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

Several letters have been written and sent to Transunion, XXXX  and XXXX  in regards to the following duplicate accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The letters dated XX/XX/XXXX have been sent certified mail and more than 30 days have went by with no response from all. Proof will be attatched. 

1. XXXX ; Account # : XXXX ( reporting on XXXX  ) 2. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  I ) ; Account # : XXXX ( reporting on Transunion , XXXX  ) 3. XXXX ; Account # : XXXX ( reporting on Transunion , XXXX  , XXXX  ) 1. Sent certified mail to XXXX  for accounts XXXX ; Account # : XXXX AND XXXX  XXXX Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX 2. Sent certified mail to Transunion for account XXXX  ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX 3. Sent certified mail to XXXX  for account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX Outside of having proof that several letters have been sent and ignored this is a FCRA VIOLATION to have the same account reporting multiple times. 

There are also several errors amongst the same exact accounts as follows : XXXX. XXXX ; Account # : XXXX ( reporting on XXXX  ) is reporting a high credit of {$9200.00} AND XXXX  ; Account # : XXXX ( reporting on Transunion, XXXX, ) is reporting a high credit of {$18000.00} 2.XXXX ; Account # XXXX XXXX ( reporting on Transunion, XXXX, XXXX  ) ; Transunion and XXXX  are reporting a high credit of {$18000.00} and XXXX  is reporting a high credit of {$0.00}. 

3. The date of last active are reporting different dates between all 3 of the same accounts. Makes absolutely no sense.

4. The date of last payments differ between all 3 of the same accounts. For example ; XXXX ; Account # : XXXX ( reporting on XXXX  ) is reporting date of last payment as XX/XX/XXXX AND XXXX ; Account # : XXXX ( reporting on Transunion, XXXX XXXX ) XXXX is reporting date of last payment as XX/XX/XXXX. 

THERES WAY TOO MANY ERRORS THAT I CAN GO ON AND ON ABOUT. AND THESE ARE SUPPOSED TO BE THE SAME ACCOUNTS??? HOW??? THERE IS NO POSSIBLE WAY THESE ACCOUNTS WERE VALIDATED AND VERIFIED FOR ACCURACY. DELETE ALL 3 ACCOUNTS
Product: Mortgage

I am having problems trying to prove my father in law 's death. XXXX XXXX XXXX XXXX died last year in XXXX due to XXXX. I have presented all financial documents for a loss mitigation review. However, to this date, proving my father in law 's death is holding up the review. I want to go forward with this loss mitigation review. I want the XXXX of the XXXX, or whatever higher office Mr. Cooper has to help me achieving my desire. I have extended my forbearance plan for three months.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ACCOUNTS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is NO WAY XXXX XXXX, XXXX  or Experian can generate a factual timely up to date and correct credit score based on their method of operation.= a flawed fraudulent method by opinion of scores and reporting facts! As example- to get a Heloc loan a creditor must hold a XXXX score- HA Most Americans fall woefully short! What Credit Score Do I Need to Get a Home Equity Loan or HELOC? Your credit score is an important factor in qualifying for a home equity loan or HELOC. A FICO Score of at least XXXX gives you the best shot at qualifying for a home equity loan or line with good terms You may be able to qualify for a home equity loan or HELOC with a score between XXXX and XXXX, but you will be charged a higher interest rate, and lenders may require that other financial factorssuch as your overall debtare in extra good shape. This agency is a culprit in that their recent report to me and my wife reflect an abundance of incorrect information. The fact they rely on the banks and lenders is by an opinion a biased incorrect and damaging approach. We are all being held hostage by them all by design or incompetence. To this statement anyone can apply the facts and truth as I have stated. To think the CFPB will act for the individal is also a misnomer and charade/
Product: Credit reporting or other personal consumer reports

The below listed LATE PAYMENTS that are being reported within my credit report is inaccurate account information. Based on the 15 U.S. Code 1681a- Definitions ; Rules Of Construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you can see, the transaction history being reported in my credit report on this account is excluded. If transactions are excluded from my report, that means a late payment can not exist because that is part of the transaction. By law thi is being reported unlawfully and fraudulently. Therefore, this late payment must be removed from my report as this is in complete violation of my rights as a consumer under 15 U.S. Code 1681a. 

LATE PAYMENT CREDITORS : XXXX XXXX XXXX NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, On my Equifax credit report shows an " other accounts '' with self rent - level credit ( see attached screen shot of location on Equifax. ) I spoke with the company- and they have agreed to close and remove this completely from my Equifax credit report ( see attached email exchange with them confirming they sent in the request to Equifax on XX/XX/2023 ). 

Please have this account closed and removed from my Equifax credit report as soon as possible. 

Attached to this complaint is : - my drivers license - my mailing address - my social security card - email exchange confirming from " self rent - level credit '' - screen shot where its located in Equifax
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I have a chase bank account were i use for my pay checks and savings and to make purchases. I recently had to chance my account because I kept seeing money missing from my account and when I contacted chase about it they said it had something to do with Zelle. When I contacted those that work with Zelle they didnt want to give me any type of answers as to why the money in my account was missing
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reporting, for credit and FICO Score purposes, issues with Pentagon Federal Credit Union. PENFED is currently reporting my credit score in the low 400 's, without just cause. Each of my FICO scores, as reported by XXXX XXXX, XXXX ; XXXX, XXXX, and XXXX  XXXX, are as follows. While I disagree with my XXXX  and XXXX  reports and have repeatedly reported they are carrying erroneous information on my reports, the FICO score reported is considerably higher than the PENFED reporting. PENFED indicates they receive data from the referenced credit bureaus. There is no reason for this type of error, specifically in our given national emergency,
Product: Student loan

I submitted a school misconduct application with Navient for my student loans to be discharged as I attended XXXX XXXX XXXXXXXX XXXX XXXX which the U.S. Department of Education ( ED ) has determined that the federal student loan ( s ) you received to attend XXXX XXXX XXXXXXXX on or after XXXX XXXX, XXXX, and on or before XXXX XXXX, XXXX, are eligible for a full discharge. This means the remaining balance on the eligible loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). I submitted the application and supporting documents of misconduct and the application was denied. I got the following generic explanation. 

Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

The Department of Education found that XXXX XXXXXXXX XXXX made false claims about employment rates, salaries, and career services to students. 

XXXX XXXX XXXX  have been found guilty of misleading all students, and I would like someone to look into why they would offer a application for discharge, deny it, and then not tell you the specific reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

greetings, I have followed all the rules and regulations and i have submitted all the required documents that trans union have asked of me and they are still saying that they can not verify my identity and that i did not send in the info that was requested from me, which is a lie and they are doing that not just to me but a lot of other individuals.
Product: Payday loan, title loan, or personal loan

This Complaint is in regards to a boat and trailer loan that began in XXXX. 

This loan was on auto payments for about 10 years. On XX/XX/XXXX, I received what I thought was my final statement via email. It showed a balance due of {$280.00}. Around the same time I received a call from Bank of America, they left a message. On XX/XX/XXXX, I returned the call, it was to their collections team. The gentleman told me that he didn't know why i received the call, the loan was not past due, and the final payment was scheduled for automatic withdrawal from my checking account as has happened for the previous decade. 

on XXXX XXXX, XXXX I received another statment from BOA via email. This Statement showed an " Amount Due of {$3300.00}. This email was opened on XX/XX/XXXX. 

On XX/XX/XXXX. I checked my banking acount to verify that the {$280.00} was indeed taken. Only {$260.00} was, this was the standard payment. I immediatley schedule a payment to pay the difference, and Called BOA to clarify the balance. 

I was unable to get an answer from the agent, and was also unable to speak with a manager. I was told a manager would call back.

A few Days later I received a call from the manager stating every payment was paid late and the charges would not be reversed. 

He forwarded me a statement of my account showing all of these charges. 

Shortly thereafter I received a notification from XXXX XXXX that my credit rating had dropped. Upon investigation I found that BOA changed the reporting from 100 % payments on time to 41 %. 

It is absurd that BOA whom is responsible for drafting the money from my account monthly, can intentionally do so late every month, then hide those late charges until the loan has been paid in full. In prior years, I paid more monthly than was required. I'm certain that I've already overpaid hundreds of dollars as those payments went to late charges that I didn't know existed, and not to lower the principle which they were intended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not find a way to contact Equifax to access my online credit report and dispute a claim. Through XXXX XXXX, I have a claim that is my fathers debt, not mine. I can not access an online portal because they claim i tried to get a credit card in the past that i never tried to get. My complaint is their ineffective website and its lack of ability to assist my needs. I just want to be able to access my free report and dispute he claim. I can not do this because I am being accused of attempting a credit card and auto lease that I never signed up for ( identity theft ). I do not know the company these claims attempted to go through because i did not do it myself. I need a way to contact them and their customer service failed to assist me.
Product: Mortgage

I applied for an increase in my interest-only HELOC. I was offered an increase after submitting the required paperwork and paying for the appraisal. I did not have a closing due to the pandemic. I was never told that PNC Bank had created a new loans and that the terms of the loan included the payment of principal and interest. I did not receive notice of the change until I received a statement that required principal and interest. 

The interest only loan is essential to my qualification for a loan to buy another home without having to sell my current home. I discussed this with PNC when I applied for my increase and was assured that it would not be a problem. The principal and interest loan causes my debt to income ratio to be too high to qualify for the home loan that I am hoping to close on in 45 days. That was the purpose I sought the increase in my HELOC. 

XXXX XXXX promised to research the issue and get back to me a week ago. I have left a number of unreturned calls. His supervisor promised to call me back but also failed to do so. A couple of weeks ago I was assigned complaint number XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX Credit Card Account Reporting Dear Credit Reporting Agency I am writing to formally dispute the reporting of my XXXX XXXXXXXX Credit Card account , which was opened on XX/XX/year>, with a current balance of {$1200.00}. This account has been reported in violation of the Uniform Commercial Code ( UCC ) and several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, 15 USC 1604 ( a ), and 15 USC 1666 ( b ).

According to 15 USC 1681, I have a right to privacy regarding my financial information. I did not provide permission to XXXX XXXX to furnish my account information to credit reporting agencies, which is mandated under 15 USC 1604 ( a ). Additionally, under 15 USC 1666 ( b ), a creditor can not treat a late payment on an open-ended account as late for any purposes, and I believe this has been incorrectly applied in my case. 

As such, I am requesting that you conduct an investigation into this matter and remove the XXXX XXXX Credit Card account from my credit report. I have not authorized the reporting of this account, and it is essential that my rights under the UCC and FCRA are respected. 

Please provide a thorough investigation and written confirmation of the results. If the account is found to be inaccurately reported or unverified, I expect it to be removed from all credit reporting agencies promptly. 

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

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, GM Financial, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Checking or savings account

This complaint is a followup to XXXX. There were errors and omissions in the bank 's response to me. This complaint is on those errors and omissions. 

XX/XX/2020 XXXX XXXX Assistant Vice President, Executive Services Sun Trust now Truist XXXX XXXX  XXXX XXXX, VA XXXX Re : Everyday Checking Account ending in XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX Federal Deposit Insurance Corporation ( FDIC ) Case XXXX North Carolina Commissioner of Banks ( NCCoB ) File XXXX Dear Ms. XXXX, While I have already spent more than an intended amount of time on this matter, I would like to continue to address the important points of my complaint that were either omitted or incorrectly characterized by your response letter, dated XX/XX/2020. 

To facilitate review I have now enumerated the errors and failures of Sun Trust Bank now Truist. 

1. You now state that my account was suspended due to high risk suspicious activity. You do not state the nature nor the details of the suspicious activity. 

2. You state that upon further review and verification of the transactions the suspension was removed. 
You do not state the length of time it took to remove the suspension nor do you state why the reactivation email sent to me by Sun Trust failed to explain the suspension and reactivation. 

3. In reference to contact information you discuss how this is achieved once you sign in. However you do not explain how this can be done if you can not sign in. This is what happens when the account is blocked. You can not sign in. 

4. You have omitted the issue of Sun Trust now Truist not having a contact written reference on a website or even a postal address. You have provided no solution for written contact correspondence to Sun Trust now Truist. 

5. Concerning the outdated information in my profile, you state it is the client 's responsibility. I would expect this to be a joint responsibility, particularly regarding a 10 year old password date. Time spent on alleged suspicious activity would be better reallocated to client profile review. 

Sincerely, XXXX XXXX Copies to : Consumer Financial Protection Bureau Federal Deposit Insurance Corporation North Carolina Commissioner of Banks
Product: Vehicle loan or lease

I have had financial difficulties paying my car. I tried making arrangements with American Credit Acceptance. I was told they couldnt help until I was caught back up. I was 3 payments behind. On XX/XX/XXXX at XXXX XXXX my car was picked up. I call today to find out about getting my car back and was told XXXX bought my car back and they could not give me anymore information. I have made all my payments to American Credit Acceptance never to XXXX. I contacted XXXX and was told by one rep they did not have any loan with them. Then was transferred to collections and was told something about a register and transferred to collections. They have never notified me at my address of anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

After contacting debt collector about settling a disputed debt, Agency sent me a letter in a different name that Im not known by, additionally the debt is over 10 years old. The agency claims that I still owe the debt which is in violation.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX  XXXX Balance Owed : {$3200.00} XXXX XXXX  XXXX Balance Owed : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry on my consumer report from TransUnion via XXXX XXXX XXXX. I did not give TransUnion written permission that contained my signature to pull my report. I have no knowledge of XXXX  XXXX XXXX  or any products from XXXX  XXXX XXXX. I have contacted TransUnion and XXXX XXXX XXXX  regarding the issue