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

When I pull my XXXX, XXXX, and Transuion credit reports from XXXX or from each credit reporting site directly, I see my full credit history going back over 20 years with dozens of accounts and with only small variations between each report that are normal given that various creditors may report to different agencies. But when creditors request my report from Transunion, they are receiving a credit report that has almost no accounts and no credit history on it. For example, XXXX card says that they are receiving a credit report from Transunion that shows I have only two accounts open with a credit age of 6 months even though I have had a XXXX credit card open for 17 years. XXXX XXXX  tells me that they see I have no open accounts or credit history at all despite the fact I have XXXX loans with that bank. Other lenders have reported receiving similar reports that show I have little to no credit history. 

I contacted Transunion to complain about this. They said that my credit report looks fine on their end. They told me that when they send out credit reports in response to requests from lenders that data is sent through a company called XXXX that Transunion bought a few years ago. Transunion told me to call XXXX. When I called XXXX, they told me the data they are receiving from Transunion shows I have nearly no credit profile with no accounts open. XXXX told me to file a dispute on their website, factortrust.com. When I went to that website, it redirected me to the Transunion website. When I tried to log in to file a dispute, I was sent to a webpage that did not load anything. When I called Transunion, I was asked about 20 verification questions by their voicemail system to verify my identity and was then disconnected. At this point I am unable to proceed so ask for help from the CFPB in getting my report information correctly transmitted to banks, lendors, etc. This incorrect reporting of my credit history is causing me substantial financial harm as it has limited my ability to apply for credit as many lendors use Transunion to check credit during the application process. 

I have uploaded pdfs of what XXXX is receiving ( limited, incorrect info ) and what XXXX shows ( correct info ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX account number : XXXX is being reported as being delinquent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XXXX XXXX credit report, XXXX has the account listed twice, one with the delinquency and one in good standing ; which they all should be in good standing with no delinquencies. The account has been closed and paid in full. I have notified Experian, XXXX XXXX, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. XXXX have removed the late status. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/XXXX, they had removed the account delinquencies and later put them back on my report driving my score down. XXXX and Experian only sent me a report stating that the accounts were verified. They did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the delinquencies be deleted immediately from my credit report.
Product: Mortgage

I am asking for help to have CMG Financial correct my escrow account. I have sent email requests and called on XX/XX/XXXX requesting to have CMG Financial review and correct my escrow account. My escrow account only included the City Property Tax and Hazard Insurance,  nothing else. CMG Financial has decided to start paying the Fire Tax of {$970.00} which is causing a shortage in my escrow account and now they want to increase my payment for their error. I have followed the process and waiting over 30 days but they have not responded or fixed their error. I called again today and they don't know how long it will take to research and correct the issue but want me to make the increased monthly payment due to no error on my part. 

I thank you ahead of time for your help.
Product: Credit card

I have a rush card. They claim to have had a system update 3 days ago which was only supposed to take 3 hours. It 's now going on 4 days and I have no access to my money. I missed worked today because I ca n't buy gas. I need groceries for my family. I call the customer service line and I get hung up on it told to call back. No answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account I had with XXXX XXXX XXXX XXXX was sold without my knowledge to Elan financial services. I was on an automatic pay plan with XXXX XXXX and when I was not made aware of the ownership change the account went 30 days past due because the automatic payment arrangement did not persist with the new account transferred to Elan. Additionally during the period of the transfer of ownership I had a new job and was relocating so XXXX XXXX did not have updated address information that I could not provide until I found a new residence. As a result I did not receive any communication from XXXX XXXX or Elan about the change. I opened a dispute with the major credit bureaus. I want the 30 days past due removed from my credit report.
Product: Credit card

I use my bank to autopay the amount owed on a XXXX Credit Card for a cell phone. The monthly payment is due on the XXXX, I have it setup with my bank to pay on the XXXX, they have repeatedly held payment for more than 4 days to say it was not received ontime. My bank sent me proof they had the funds in their account on or before the XXXX, yet XXXX XXXX charges me increased interests amounts and XXXX late fee. They have then added interests on late fees they have put on my account. 

This has happened at least 4 times costing me over XXXX in late fees, plus a 29 % interest rate on a 0 % for 24 months card. I have sent final payment and I am closing the account when they cash the check but I want someone to know the shady business practices this company is using and see what can be done about it.
Product: Credit card

I had a Capital One credit card that required {$600.00} cash deposit at opening. 

XX/XX/2024 I had a balance due and I made a payment of {$610.00} but there was a mistake on my part, I gave them a bank account number that had been closed, to charge from. 
XX/XX/2024 The charge was denied obviously, then I realized I gave the wrong account number. 
XX/XX/2024 I paid again {$780.00}, this time on the right bank account, so it went through. 

Apparently because the mistake I made, they closed my account. That's fine by me. 
Now they owe me the deposit minus some balance due which comes to {$540.00} ( credit balance ). 

It has been 47 days and I haven't received my money back. The automated phone service said it'll take XXXX days to get the check in the mail. 

My complaint is, that is my money they're holding for no reason, I paid my balance due. I'm sure it does not take more than a week at most to process a closing account. It's all in the computer. 

I was never late on payments and on a single mistake they closed my account with no warning. But they can be as late as they want to refund my deposit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to XXXX, Experian, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do.
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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$300.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$370.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/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

I received XXXX deposits on XX/XX/year>. This was my XXXX and XXXX monthly income. On the XXXX and XXXX over XXXX transactions was made on my account, in another state, without my permission, and my alert texts were bypassed and turned off. I didn't know this had happened until XX/XX/year>. I immediately contacted Chime and they had me file a dispute, my dispute was denied twice. I wrote a dispute, it was denied. Chime said they couldn't see any errors. I live in XXXX, these transactions was made in XXXX and XXXX I've never been to these states, or gave anyone permission to use my account. There was numerous XXXX payments, I don't have XXXX  or use it to send money. I haven't had XXXX in a year. Everyone I talked to at Chime was rude and unconcerned. I couldn't pay all of my monthly bills. Thank you.
Product: Credit card or prepaid card

I called the HSBC to close my account of 2 credit cards XXXX XXXX, 2016. I specifically told them to cancel both cards and not open new ones. I then paid the balances of both cards shortly thereafter and expected to have no further dealings with the company. After several weeks I find out that 2 new credit cards were opened and charges were allowed to occur on both of them, without my knowledge or authorization. The charges amounted about {$30.00} per card, but to date, due to interest and late fees, the total is now several hundred dollars on each card. I have called HSBC multiple times this past year to try to resolve this problem and I keep getting bounced back and forth between the customer service dept. and the fraud dept. I have spent hours on the phone to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. Today I am going to contact CFPB, FTC, XXXX, XXXX, and the NATIONAL CREDIT UNION ADMINISTRATION ( XXXX ) .The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were required they just waited. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, TRANSUNION and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP. It doesn't take this long to write off a hardship and delete it from a report.
Product: Debt collection

On XX/XX/XXXX, I received a debt collection letter from Credit Control , LLC concerning a alleged credit card debt with XXXX XXXX I never had any dealings with this company so on XX/XX/XXXX, I sent a debt validation letter to the company requesting validation of this debt. I never heard back from them. On XX/XX/XXXX I received another debt collection letter from XXXX XXXX XXXX about the same debt, in XX/XX/XXXX, I sent a debt validation letter to them requesting validation of the debt. I didnt hear back from them. On XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX from XXXX XXXX and on XX/XX/XXXX, I sent a debt validation letter requesting validation of the debt. I didnt hear back. On XX/XX/XXXX & XX/XX/XXXX, I disputed the debt to all three credit bureaus and the only thing I heard from XXXX  stating that they received a electronic verification from the company stating the debt is validated, a gentleman stated that they arent required to get a validation if the debt just notify them that a dispute. On XX/XX/XXXX, my neighbor brings me a stack of mail stating it was put in his mailbox by mistake and I had another neighbors mail. One of the letters were from Scott & Associates , PC dated XX/XX/XXXX threatening a lawsuit against me. I generated another debt validation letter requesting validation of the debt and I also received advertisement from local attorneys stating I have a lawsuit in civil court against me by XXXX XXXX, I contacted the Scott & Associates asking about this debt and I just received the letter, she stated they filed suit in XX/XX/XXXX and sent a letter out on XX/XX/XXXX. I advised them that they never gave me an opportunity to respond and they stated they sent a letter back in XXXX which I never received and stated that I should be getting served anyway now. This is a total violation of the Fair Debt Collections Act because I wasnt given due process and if I received a letter I would have responded. As of this date I still havent been served a lawsuit
Product: Credit reporting

I disputed XXXX trade lines reporting in my credit report with Trans Union, I attached a copy of the credit report with red marked items, attached a XXXX search from Secretary if State office of MA. After the " investigation '' all XXXX trade lines remind unchanged. 
I am attaching in this file all my filing. 

thank youXXXX
Product: Mortgage

Our mortgage was with a company named XXXX. After filing bankruptcy discharged in XXXX XXXX we applied for mortgage modification in XXXX XXXX. After 9 months of supplying information we were approved for the modification. Our XXXX trial payment was due XXXX. We sent our first trial payment to XXXX. They received the payment before the due date as the record shows and cashed our check. Unknown to us, the mortgage was transferred the same day of the due date of the first trial payment XXXX XXXX XXXX XXXX. We were not notified of the trabnsfer until later in XXXX. We sent the next trial payment due XXXX XXXX. to PHH Mortgage they received the payment on time and cashed the check as the record shows. Our third trial payment was due XXXX XXXX. I called PHH on XXXX XXXX. and with the assistance of XXXX XXXX I made the third and trial payment with an ACH check which I will attach showing PHH received it on XXXX XXXX XXXX XXXX and the funds were transferred to their bank account on that date. After much confusing and misinformation by PHH we received the attached letter dated XXXX XXXX, XXXX saying they are honoring the terms of the modification in paragraph XXXX, upon receipt of the XXXX trial payment. They had already received it. We want them to comply with their commitment to honor the terms of the modification. The terms were met. Also the terms of the loan modification state the insurance and taxes are included in our payments as the record shows. This letter states in paragraph XXXX, XXXX failed to inform PHH of the loan modification. They also failed to notify us of the mortgage transfer in a timely manner. Also in the attached letter dated XXXX XXXX, XXXX, she states the record shows we appied for mortgage assistance with PHH on the loan. This is false as we had already been approved. I was asked if I wanted to apply on this loan and I said no as we were already approved. Their is nothing in the record showing we applied for mortgage assistance on loan # XXXX. The statement in paragraph XXXX is false in saying we applied.The " package was incomplete '' because their was n't XXXX. We just want to get on with our lives as this has been going on now for over a year. They need to do what they say they are going to do. Please see attached trial agreement with XXXX showing the XXXX trial payments are due on the first of the month starting XXXX XXXX. XXXX. The letter from XXXX XXXX, XXXX from XXXX XXXX stating they are honoring the terms of the modification. The ach check to PHH drawn from our bank and into theirs XXXX XXXX st. the due date complying with the terms of the agreement. XXXX XXXX told me to send the same amount of the trial payment for our regular payment XXXX XXXX. which we did and it was returned to us. They have said they will accept no more payments. I will also attach the original trial payment agreement with XXXX showing the payments were due on the XXXX XXXX of each month not the XXXX. as stated by XXXX XXXX with PHH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Bank of America using the number XXXX XXXX XXXX with my secured credit card number as XXXX to resolve. The Bank of America refused to correct and listen. I told them that I just found out from XXXX report that the Bank of America gave the APR info and it ruins my credit report. The percentage was 17.29 %. The Bank of America said no, it was 25.99 %. I told the Bank of America that when I requested for a SECURED credit card, he did not mention of the APR. Because if I KNEW it was that high, I would not accept their SECURED credit card and would look else. I did not know it was either 25.99 % according to the Bank of America yesterday or 17.29 % according to XXXX report. 

XXXX gave me a score of XXXX and I was happy with it. But as soon as I let XXXX  to look at my another bank which is XXXX XXXX XXXX XXXX XXXX to BOOST my credit score by using my phone bill ( XXXX ) as a way to gain points to prove of my ability to pay on time as I did in the past. However, the XXXX explored further other than utility bills and use the credit card information and punished me and reduced 10 points off. My credit score is now XXXX. I am not happy! The Bank of America never told me about the secured credit card with the APR. Honestly, I would not accept it at all! I am now looking for another bank 's SECURED credit card to help my credit record. As soon as I find one that is low on APR, I will shut account with Bank of America because they ripped me off by charging me every month on maintain fee and never told me about the APR. It is a dirty business. 
I don't know why XXXX has to hurt my credit report. It is MY MONEY I PUT INTO my secured credit card! It was {$8000.00}!! If I leave it in a checking account or saving accounting, it wont help with my credit record at all, so that is why I ordered a SECURED credit card, but it backfired!
Product: Student loan

I had paid off a student loan in the amount of {$24000.00} on XX/XX/2022 on the EdFinancial website. Recently, the Biden Administration announced their student debt forgiveness program, and I now qualify for {$10000.00} of student loan relief. On XX/XX/2022, I called EdFinancial to request a {$10000.00} refund. When I called them on XX/XX/2022, they noted that my request was still in queue and no progress has been made. EdFinancial has failed to provide a timeline for when the refund will be processed and they have provided no reference number to track the progress of the request.
Product: Debt collection

On XX/XX/year> I emailed all XXXX email contacts for this company. The company responded on XX/XX/year>. I noticed this company flagged my credit account with the credit bureau on XX/XX/year>. Then I sent a follow up email on XX/XX/year>. As of, XXXX XX/XX/year> I have not received anything from this company. 

Dear XXXX XXXX, I hope this message finds you well. 

I am writing in to your communication regarding the debt you claim I owe. I would like to formally request verification of this debt, as is my right under the Fair Debt Collection Practices Act. Please provide me with the following information : XXXX. **Verification of the Debt** : Please provide documentation verifying that I owe this debt, including the amount, the original creditor 's name, and any relevant account numbers. 

2. **Detailed Account Information** : I request a complete payment history, including any fees, interest, or penalties that may apply.

3. **Proof of Your Authority** : Please provide evidence that your agency is authorized to collect on this debt. 

Until I receive the requested verification, I kindly ask that you cease all collection activities and refrain from reporting this debt to credit bureaus. 

On XX/XX/year> your company reported to XXXX credit bureau. Your violating the Fair Debt Collection Practices Act ( FDCPA ) by not properly validating the debt before reporting it to credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX reply on XX/XX/year> : Dear XXXX, Thank you for contacting XXXX XXXX regarding account number XXXX, We need additional time to obtain the required documentation. As soon as we have the documentation on hand, we will promptly forward to your attention. 

If you have any questions, please feel free to contact our office at XXXX. Hours of operation M-F XXXX EST. We look forward to helping you resolve this matter.
Product: Checking or savings account

I noticed that funds were rapidly decreasing from my account until the funds were all gone and didn't stop until I was {$1200.00} in the negative. I contacted the Chase claims department and informed them that there were unauthorized transactions made on my account. .the unauthorized transaction began very subtly dating back to XX/XX/XXXX XXXX the first transaction was for around {$20.00}. then again in late XXXX, two more debits were made that I didn't authorize. then again in XXXX for a little more ... All of the unauthorized charges had odd names attached to them and I didn't recognize any of them. Chase told me that the unauthorized charges were all coming from XXXX. I disputed all of the unauthorized charges from XXXX and XXXX. At the time I was unaware of the XXXX and XXXX charges. Once it was brought to my attention that more transactions were made from XXXX I filed a second dispute ... ..I was told that they were going to investigate the charges and they would let me know if they needed any additional info ... The unauthorized charges stopped immediately once the first dispute was filed ... I thought they blocked international charges from my account and were investigating the claim. Turns out I was wrong ... Chase said that because I didn't catch the initial 20 unauthorized charges back in XXXX I was responsible for all of the unauthorized charges. They said that the unauthorized charges were not covered under visas fraud protection because the first sign of fraud was in XXXX and when I asked if I could appeal their decision they keep telling me No. They locked me out of my account and I am only allowed to log into chase .com but it says not able to review any accounts. They stole XXXX out of my account and have denied me a fair chance to appeal their decision ... 
Is there anything I can do to appeal their decision?