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

CFPB Writeup I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ).

15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter of denial from Guaranteed Rate Affinity. In the letter it reads. Disclosure of use of information obtained from an outside source. 

The outside reporting agency is. XXXX XXXX XXXX. This agency listed my credit worthy from XXXX, XXXX and XXXX. 

It states under XXXX : Serious delinquency, number of accounts with delinquency. 
Under XXXX : Serious delinquency, number of accounts with delinquency. 
Under XXXX : Derogatory public record or collection filed, length of time since derogatory public record. collections too short. 

I contacted XXXX and I was told to contact XXXX, XXXX and XXXX. Non of what XXXX report to Guaranteed Rate Affinity is true. I received copies of my credit report and none of what XXXX reported is on my credit report with XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a mortgage account that was opened in my name. This is the 3rd time disputing, with bureaus EX and XXXX. They continue to say that they have verified that the information and it is true and accurate. I disputed again asking for proof that in fact this mortgage is mine ( ie : copy of signature, deed, or previous proof payments ). I was told on a phone call on XX/XX/XXXX at XXXX that they did not have to provide any proof that they verified anything I HAVE A COPY OF THE RECORDED CALL. Within a couple days I received noticed that they have " certified proof that the account is mine. The next day I sent a dispute asking to provide me with a copy of the certified proof to validate this account. I have not received anything from them other than a dispute result that the account is verified and mine, I provided certified proof that I never lived at this address not did I have a mortgage with this company. I have been at my current address since XXXX. I provided a copy of the deed and a certified letter from my home owners association along with a start date of the utilities for my current address in my name to support my claim/dispute. I am certain that the XXXX and Experian has not done a proper investigation. I am a victim of Identity theft and I have a valid police report and FTC report with list investigative findings a person that was arrested and now making restitution for fraud, id theft and a list of other financial crimes. Additionally I contacted XXXX whom they said that they verified this account with on XX/XX/XXXX at XXXX. On XX/XX/XXXX at XXXX I spoke to XXXX XXXX at XXXX. She told me that they have no information in their system that validated the deed or any public record for XXXX XXXX  to substantiate validation of a dispute from Ex or XXXX. Furthermore they have no record of a dispute or validation request from either XXXX  or Ex concerning a Mortgage I had or have with XXXX XXXX XXXX.
Product: Prepaid card

On XX/XX/year>, I received a My Prepaid Center XXXX from a class action lawsuit in the amount of {$1900.00}. Upon activation I learned its a digital card only and can only be used online. Id prefer to use the card in real life or transfer the funds to my checking account and checked to see if there was a way to transfer the funds. Ill list all my attempts to transfer money and use this card in order. 

1- I followed the prompts on the website to transfer off of the card. There is a link that takes you to digital disbursements and it gives the options to transfer to XXXX, XXXX, XXXX, or your checking account. Over the next week, I tried all four with about 48 hours between each. No money was ever transferred. Ive emailed the help contact for digital disbursements and they provided no solution. 

2- I tried to add money to my XXXX by adding this card. However, XXXX requires a zip code to add a card. Ive searched all over online to find a zip code for XXXX XXXX XXXX and cant find one that works in XXXX. 

3- I tried adding this card to my XXXX but it comes back with an error. 

4- I tried adding this card to my phone ( XXXX ) wallet and it comes back with an error. 

5- becoming concerned I wouldnt be able to move the funds off of the card, I tried using it for an XXXX purchase. It declined. It has declined with two other online retailers, too.

Im becoming worried that not only can I transfer this money to my checking account, but I cant use it at all. The website gives the option to transfer funds and says its accepted anywhere XXXX is accepted, but I feel like Ive exhausted all options.
Product: Checking or savings account

I opened an account with Citibank in XXXX, XXXX, in response to an offer of an incentive of {$500.00} to be credited to the account after 60 days. I deposited a total of {$15000.00} as required and the only other requirement was that the account remain open and active during the 60 day period. No withdrawals were made and the account continues to have a balance of {$15000.00}. I have received statements and the {$500.00} has not been credited as of XX/XX/XXXX. I telephoned repeatedly and received no satisfactory response, speaking to " representatives '' from the XXXX on multiple occasions and once a person who said she was located " close to XXXX '' One of the representatives admitted he provided to me a false identity. I was hung up on three separate times, transferred to a " supervisor '' once and then he hung up. I was given an " XXXX  number '' which proved to be inaccurate. In the interim I have attempted to access the account with the password and security word established ( which I wrote down upon starting the account ) and the account is locked with no ability to reset the pw and security word. Citibank says I must maintain the account and it must be active at the time the credit is made for the incentive, and accordingly I can not close the account, or I will lose the incentive earned. Accordingly I have lost the use of the funds indefinitely. In the first conversation with a Citibank " representative '' I was provided with a code XXXX and assured that the matter would be " resolved '' within 7 days. Instead, more than a week later, on XX/XX/XXXX, I received an item of form correspondence acknowledging my " inquiry '' regarding my account and it stated they are " in the process of completing our review. '' I telephoned on XX/XX/XXXX, after receiving no further response, and I was advised that the record indicated the complaint, but it had not been resolved. No information was provided as to when and how it would be " resolved '' and I was told I could file " another complaint ''. I asked what that would accomplish and ultimately the person disconnected. The conduct of the bank is clearly conversion and consumer fraud. They have my money, refuse to credit my account, locked the account preventing my access and accordingly they are very simply thieves. How does this international criminal bank continue in existence? I am aware of the innumerable similar complaints. What is the CFPB doing about it? Any fines? Any court actions? How can this be resolved? I want my money, and I want additional compensation for the time my account has been held from me without the ability to invest it or obtain interest income.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being filed because of the constant non-compliance of TransUnion. I have attached proof of letters sent to them that was ignored or not read by a human being. On XX/XX/2022 I mailed a letter to TransUnion challenging the accuracy, compliance and reportability of ACCT # XXXX XXXX XXXX XXXX. I recd a letter alleging that I was a Credit repair Company. On XX/XX/2022 I wrote another letter and mailed it certified to TransUnion informing them I had recd no response and pointed out to them inaccuracy being reported. I requested account be remove due to inaccurate reporting. The account number was different from XXXX and XXXX so I requested correct account number. The address given for the alleged account owner was also inaccurate and different from XXXX and XXXX. On XX/XX/2022 I received a letter from Transunion that the account was verified accurate and updated. On XX/XX/2022 I mailed a certified letter to Transunion Attn : Dispute Manager I explained I was left with no choice but to file a complaint with the CFPB, Attorney General, XXXX and XXXX against XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to they were in non-compliance and also in violation of the XXXX Law. I also sent the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they had sent a letter to the credit reporting agencies for deletion of the account. Why is this account still on my credit report? When I sent proof, it should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX XXXX XXXX XXXX XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XXXX XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I switched my loans to the XXXX plan recently. When I look at the federal estimator it shows my possible loan payment amount at XXXX $ a month, when I complete the application for ALL of my loans it shows my payment amount at XXXX $ a month. Mohela seems to have XXXX separate lines for my loans XXXX on it's own and the other XXXX grouped together. Both under the save plan but calculated separately. This is resulting in {$230.00} and XXXX or XXXX a month. This is clearly a mistake of how they've decided to separate the loans which should be grouped together. When I call to ask about it I spend hours on the phone where they ask me to recalculate through the federal student aid office ( done ), where they tell me that the amounts are accurate ( wrong ) or they otherwise refuse to resolve it. When I ask what the numbers they have based my calculation on are they refuse to give it to me leading into a perpetual cycle of calling and not resolving the problem. I have not been able to get a single person to understand why calculating the XXXX loans separately is incorrect and why they should be grouped together under a single payment and calculated together and they tell me they are going to have someone 'review ' my account and offer XXXX business days to complete the review. There is never any review which seems to occur and when I call to ask again I get the same run around.
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 Equifax 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 Equifax has NOT complied with the FairCreditReporting 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX. I have had excellent payment history on my account, until the national lockdown in XXXX, 2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted XXXX XXXX immediately without the ability to contact a rep. We continued timely payments even though our NJ XXXX  is only at XXXX XXXX XXXX ( which equals XXXX seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting onthis account lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a XXXX XXXX XXXX  survive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. Thank you!
Product: Vehicle loan or lease

I financed a new car through Hyundai Motor Finance and made our payments every month on time and paid off the car on XX/XX/XXXX. I mistakenly made another payment in the amount of {$620.00} on XX/XX/XXXX. Within a matter of days we realized the mistake and contacted Hyundai Motor Finance to let them know that there was an overpayment of {$620.00}. They told us at the time that they would send an email to the correct department and we should receive reimbursement for the overpayment within 6 weeks. About 7 weeks passed in XX/XX/XXXX and we still had not received the refund and so we called them again. At that time they said there had been an error and we would receive a refund of {$620.00} within 4 weeks. After the 4 weeks passed with no refund we contacted Hyundai Motor Finance again in XXXX of XXXX and they said that it had been denied but there was no reason given and would submit it again. About a month ( XX/XX/XXXX ) passed and we contacted them again and they told us the same thing that it had been submitted and we should receive a refund. After several months my wife and I contacted my bank to dispute the charge. After several weeks the claim was denied because they stated that I needed a letter from Hyundai Motor Finance stating that the car had been overpaid. Today XX/XX/XXXX I called and spoke with a representative with no resolution,. My wife called and was finally able to get a supervisor on the phone. She spoke with XXXX. She told her that none of the emails had ever been responded to and would not send a letter stating there was an overpayment even though the website and bank statements clearly show that there was an overpayment of {$620.00}. I called back and they refused to let me speak with a supervisor and was hung up on. It has been over 7 months and I still have no relief from the {$620.00} that should have been returned.
Product: Credit card or prepaid card

On XX/XX/XXXX I had been checking my account balance at the atm machine around me throughout the day. When I got home I checked again and it gave me a message its was unable to verify my account so I chose the option to be connected with an agent and he told me I wasnt able to check anything on my card because I had ordered a new card I told the agent that I didnt authorize that and how was that done he said online I then told him I did sign up for an account and have been trying to get access to log on but have been unsuccessful so it was not me who ordered the card and to cancel what was ordered cause I still have my card and I dont need a new one and he then told me nothing can be done about it cause the new card was sent already. And thats when the unauthorized transfers happened on my account. I filed a dispute on XX/XX/XXXX and the date keeps changing every time I call and everything thats told to me also. BofA agents has not done anything for me Ive spoke with agents, supervisors, managers, and every department there is but am still getting no where with my claim I have tried to resolve this matter and I get nothing but the run around from BofA they do nothing but put me on hold and tell me its gon na be handled and taken care of just so I can get off the phone and find out the next time I call they havent done nothing but taken notes. Please help me resolve this matter because I need my money back from BofA ... .they should have a copy of all my conversations with them recorded and they know they are doing nothing for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


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

Theres incorrectly information on my credit report
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. XXXX XXXX XXXX Date Open : XXXX XXXX, XXXX Balance : {$2800.00}, XXXX  XXXX XXXX Date Open : XX/XX/XXXX Balance : {$7200.00}, XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Balance : {$1900.00}, XXXX - XXXX XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$820.00}, XXXX, XXXX. XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Open : XX/XX/XXXX Balance : {$4900.00}, and XXXX  XXXX XXXX Date Open : XX/XX/XXXX Balance : {$4800.00}. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies which are Transunion, XXXX, & XXXX have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Product: Consumer Loan

On XXXX/XXXX/2015, I applied for a personal loan through Avant, also known as XXXX. I applied through this lender due to successfully receiving and paying off a loan with them previously. That evening I followed up via telephone to ensure the bank had all needed documents from me ; upon completing my application earlier that day their Web based system notified me that I would receive a response in XXXX hours. During my XXXX phone conversation I was told that no other items were needed from me and I would receive a decision within XXXX hours. ON XXXX I called avant XXXX different times and they gave me a different answer each time as to why the process was delayed. I then grew concerned that my personal information was compromised because I was getting conflicting stories each time I contacted avant. I followed up again on XXXX and was told by a manager " there was a system error directly affecting my application '' but refused to tell me what the issue was. I grew ever more increasingly concerned that the issue might truly be nefarious in nature and that the lender may be illegally and unethically using my personal private information. I was assured upon asking that my information was indeed safe but the representatives would not expand on how my information was being protected and refused to explain to me how my personal information was safe from this " system issue directly affecting my application ''. I followed up once again on XXXX ( bear in mind, I was told on Thursday XXXX/XXXX/15 that I would receive an approval or denial decision within XXXX hours and as I am filing this complaint it has been going on over XXXX hours ) and spoke to XXXX who had been a representative I had spoke with several days ago. When I had spoken with her on XXXX she told me all needed documentation was in and verified and that I would for sure have a decision by the next day. This time on XXXX, XXXX informed me that there was in fact a system glitch holding up my application and affecting my personal information. She said the system glitch was directly related to my personal loan application. I repeatedly expressed to her my growing concerns about the safety of my information and was each time simply apologized to. I continued to tell her that I did not need an apology but wanted a specific answer to what precisely the glitch was and how exactly it was affecting my personal application which contained my personal information. The representative refused to explain the glitch and each time basically told me that I should take her word that my information was safe. My complaint is in regards to how this lender is handling my personal information. They have refused to disclose to me facts material to my personal information. They have refused to disclose there internal safe guarding practices. They have lied, been unethical, and secretive. They never answer any questions that I ask them, only offer half hearted apologies. I firmly believe that my personal information has been compromised and I ask for Avant to be investigated.