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

I have informed Equifax numerous of times that the account from XXXX/XXXX  in the amount of {$1000.00} is a result of identity theft. yet they fail to block this information. Both XXXX  and XXXX  have removed/blocked this account so Im confused as to the reason that Equifax fails to follow the law FCRA 605 ( b ). I am a victim of identity theft. The account XXXX/XXXX  on my credit file of {$1000.00} is a result of such act. I request that you block this account in accordance to FCRA 605B ( A ). THIS CERTIFIES AS MY STATEMENT THAT THE INFORMATION REGARDING XXXX/XXXX  IN THE AMOUNT OF {$1000.00} IS NOT INFORMATION OR AN ACCOUNT RELATING TO ANY TRANSACTION CREATED BY MYSELF.
Product: Vehicle loan or lease

I paid off my loan with Nissan Motor acceptance on XX/XX/XXXX after receiving a payoff from their live chat feature. Two weeks later they requested an additional {$300.00} because of a lease disposition fee. I resisted but Paid to expedite my title release. I filled a complaint within NMAC the next day. The manager assured me I would receive a call with a decision about refunding the {$300.00}. A few weeks later I called again and asked about my refund and my title. I was denied even though they quoted me the total payoff amount and have a record of this in their chat transcripts. They also advised an error was made with the odometer statement. I corrected the error and have resent the form multiple times however every time I call for an update I'm either disconnected, placed on hold for over a hour or told it's still processing. I reached out to Nissan Consumer affairs who advised they are a separate entity and could not provide additional assistance. I have explained several times I just want to conclude our business and I assured them this will be the last time we have to conduct business. I can't seem to find anyone competent to finalize my transaction. Any assistance you can provide would be greatly appreciated.
Product: Mortgage

I remortgaged with roundpoint loan number XXXX just under 2 years ago. A couple of months back I rang them to ask about re-valuating my property. The women on the phone said to me that if I was at 78 % I could get my mortgage insurance removed. Knowing I was very close I decided to get a valuation on my house. The valuation came in at XXXX, which means 78 % means an amount outstanding of XXXX meant I could get my MI off. I owe around XXXX. Now supposedly they tell me that since my loan is seasoned less than 5 years it has to be at 75 % at loan to value ratio, before my Mi can come off. This figure was never mentioned to me when I spoke to the agent. The recorded conversation with roundpoint advisor where I repeatedly said will it come off if it is at 78 % the answer was yes.. This is also was their website says. Now they say I can not remove my MI eventhough I am under 78 %. I want them to pay for my valuation since their agent gave me the wrong information.I only got the valuation done knowing I was close to the 78 % mark. Also I have been told legally as soon as you are under 78 % the MI has to come off. I have not missed any payments. I did fill in their form and on it does say you have to be 75 %. However since I was not clear I rang their advisers to ask them who told me it should come off at 78 %. I told Roundpoint that the mortgage has been mis- sold to me and the information I was conveyed was also incorrect. I also asked them to listen to the recorded conversation I ahd with their adviser who informed me that it will come off at 78 %. I did not get a reply. The only reply I got was to say my MI could not be cancelled and did not mention anything about the conversation I had asked them to listen to. Please can you let me know if legally they can avoid my MI coming off eventhough I am under 78 %. Also are they not legally obliged to give me the correct information when I ring them. I would like my MI to come off.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, XXXX has too many department of XXXX that appears on my credit report too many times which I only have 8 that are all discharge with zero balance. I contacted the credit bearua about this matter it still wasn't resolve. So I am asking could you please resolved this matter I greatly appreciated it.
Product: Mortgage

Step 1 : What is this complaint about? 
According to the reports provided to the Credit Bureau by 360 Mortgage Group, it shows eight ( 8 ) months of being late 30+ days and one ( 1 ) month of being late 60+ days. See below for the months/years and attached image ( Credit History - 360 Mortgage ). However, I have bank statements from XXXX XXXX XXXX XXXX ( XXXX ) showing proof of payment, and I've attempted on numerous times to work with the company with no success. I even provided the bank statements ( per their request ) to show proof of payments. For the XX/XX/XXXX late payment report, the house was sold that same month. 

Months/Years - 30+ days late XX/XX/XXXX XX/XX/XXXX - proof in bank statements XX/XX/XXXX - proof in bank statements XX/XX/XXXX - proof in bank statements XX/XX/XXXX XX/XX/XXXX - proof in bank statements XXXX proof in bank statements XX/XX/XXXX Months/Years - 60+ days late XX/XX/XXXX - house was sold, see Seller 's Final Settlement Statement Step 2 : What type of problem are you having? 
The company has refused to fix the late payment submittals to the Credit Bureau so my credit can be adjusted. 

Step 3 : What happened? 
Unsure what happen on 360 Mortgage side of the house, but I set my payments up to be automatic issued by XXXX. 

Step 4 : What company is this complaint about? 
360 Mortgage Group Step 5 : Who are the people involved? 

Customer Service and XXXX XXXX. 

Attachments 360 Mortgage Late Payment Issues 360 Mortgage Payments Credit History - 360 Mortgage Sellers Statement_CDF
Product: Prepaid card

On XX/XX/year> I purchased a XXXX gift card with {$500.00} loaded onto it. I've tried to make multiple purchases with the card, but Incomm declines every purchase attempt. This card has never worked, even though I have tried to use it as the packaging suggests.. When I check the card status online, it states the card is active with {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX  # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX  # XXXX has violated my rights. 
XXXX XXXX  # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaint number XXXX with you regarding XXXX account filed by XXXX on my Equifax credit report. You sent my complaint to the Credit Bureau asking for VALIDATION. XXXX  BOUGHT THE DEBT AND sent me a letter saying that they " verified '' the debt on XX/XX/XXXX. I then called XXXX again. I initially called in XX/XX/XXXX and obtained Reference # XXXX ; I called again XX/XX/XXXX, reference # XXXX ; and XX/XX/XXXX, reference # XXXX. Each time XXXX said I DO NOT OWE THE DEBT AS THE DEVICE WAS RETURNED DURING TRIAL PERIOD. I filed the complaint with you. XXXX RESPONDED BUT did not VALIDATE THE DEBT. I sent them a letter which I will attach. I will also attach their response. I have been denied credit because of fraudulent reporting of this debt. They have violated my rights AGAIN. I WILL ALSO REPORT THEM TO FTC. Equifax should immediately remove this from my credit report, and XXXX should destroy this debt and not sell it to someone else. IT WAS ALREADY REPORTED TO YOU AND THIS WAS THEIR RESPONSE, JUST TO SEND AN OLD BILL WITHOUT VALIDATION. I HAVE THE RECORDED CONVERSATION OF ME AND XXXX FROM XX/XX/XXXX, BUT THERE IS NOT A WAY TO UPLOAD IT TO YOU. I WILL KEEP IT FOR COURT IF I HAVE TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX/XXXX
Product: Debt collection

On XX/XX/XXXX Capital One contacted me about a bill, we came to an agreement and i paid the bill off. It was updated XX/XX/XXXX but its still on my credit report XX/XX/XXXX. The right amount was not provided in my credit report or steps to fix.
Product: Payday loan, title loan, personal loan, or advance loan

I don't know what happened to the car. It could have been stolen. All I know is that I do not have possession of the car and the loan keeps growing. I have attempted to pay it on time every month, but the interest is outrageous. They did not inform me that I would be paying 4x the amount of the money I actually received. They pushed me to purchase additional products from them and were determined to make sure I walked out in debt. This company is currently in a lawsuit, and I am experiencing the issues other consumers experienced with this company.
Product: Mortgage

XX/XX/XXXX my loan went to XXXX XXXX XXXX and my payment went up. Now XXXX my payment went up again and the reason was because of insurance and property taxes. I got in touch with my insurance company and they stated that my payment changed from XXXX to XXXX. I checked my property taxes and they havent changed. Even though XXXX increased our payment. XXXX XXXX is telling me that they paid XXXX XXXX only {$810.00} of the {$1900.00}, and XXXX XXXX is telling me thats not true. I spoke with someone at the company and she stated that this what she has on file and there isnt nothing I can do about it, but pay the increase. 
The insurance went up {$1200.00} and the taxes went up {$140.00} none of this is true, and I need to know what I can do to get this issue resolved. So, that I can get my payment at the right amount. I asked if I could pay my own taxes and insurance and was told that I might qualify next year cause my loan has to be at XXXX percent and right now XXXX at XXXX percent.
Product: Mortgage

Hi There, My name is XXXX XXXX XXXX. On XX/XX/XXXX I chose to have my adult son XXXX XXXX XXXX join me in the ownership of XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. My Son was put on the mortgage for the soul purpose of his SSN # on the XXXX to replace mine because I am XXXX and over XXXX & don't have a tax return so my Son XXXX XXXX XXXX. We had informed loan depot before we followed through with the loan that XXXX was to declare the interest with his XXXX #. I didn't find out about them not honoring what my Son and I agreed to with this company until I received the XXXX and when i contacted XXXX XXXX on XX/XX/XXXX @ XXXX, he informed me " Because my name was first on the loan and deed they automatically put the XXXX in my SSN #. I informed him the reason for the loan was for XXXX XXXX XXXX XXXX # for interest purposes and your staff told my XXXX & I they could do that so we never thought twice till I printed out the XXXX & was shocked to my SSN # instead of my sons. This is Loan Depot issue to mix and i will not do any assumption for something they messed up on. It shouldn't matter who's name is first. 
If you'll need any other documentation just reach out Sicerely XXXX XXXX ( mom ) XXXX XXXX XXXX ( XXXX )
Product: Mortgage

My XXXX and I both became very ill with XXXX. After recovering from XXXX I had a XXXX XXXX. My XXXX has recently been diagnosed with XXXX XXXX and is having XXXX on XX/XX/2023. When my lender offered me a forbearance plan while we recovered, we thought it was a godsend. However, my lender did not explain that they would not be helping me afterward. Now I owe a large sum that we do not have or we are at risk of foreclosure. We have been through so much and this is adding to our stress. We would like to pay our mortgage again. Please help, thank you.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an unknown Bank of America account in my credit report at the end of XXXX. I contacted XXXX and try to dispute it. Then XXXX told me the result is accurate on XX/XX/XXXX. The unknown BOA account was opened in XXXX, and my first arrived in US is XXXX. I have no idea why both Bank of America and XXXX said the credit card account was belonged to me. I only have one authorized BOA credit card account from my wife. It was opened in XXXX and I checked the account number is different.
Product: Debt collection

I am writing to formally dispute the inaccurate information regarding late payments on my credit report. After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : XXXX XXXXXXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there XXXX have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.
Product: Credit reporting

TransUnion has incorrect and outdated information on my credit report such as : past addresses, work history, credit accounts opened if my name fraudulently, and is allowing 3rd party lenders who view my report and send me offers even after I 've called the XXXX number and opted out.
Product: Checking or savings account

Capital one froze my credit card and asked me for documents I sent in the documents and they said I have to wait up to XXXX business days. That it way too long I need access to my money now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company violated its covid 19 arrangement. Multiple reps and supervisors advised account minimums were reset to XXXX  due for two consecutive billing cycles. 

XXXX and XX/XX/2020 were not late at all and the account was paid off completely XXXX XX/XX/2020 important to note Ive been a customer for 8+ years never once have I been 30 days late
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX : XX/XX/year> To : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I am writing as a victim of identity theft, which I believe is related to the Equifax data breach. I am requesting that all accounts that were fraudulently opened or used under my name and personal information be blocked and permanently deleted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ).
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I received a letter via mail from Phoenix Financial Services on XX/XX/XXXX stating I owed a debt totaling {$1500.00} from XXXX XXXX XXXX XXXX XXXX for a XX/XX/XXXX date of service. I confirmed I was seen in the emergency room of XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX  on XX/XX/XXXX via my online account and visit history, and did receive a bill for this amount, however I confirmed with the original creditor verbally via phone on XX/XX/XXXX that it was paid in full on XX/XX/XXXX and I do not currently have any outstanding debts. Furthermore, I was advised that the creditor does not work with this debt collection agency and has no idea why they would be contacting me. Due to the letter I received stating I needed to " call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. ", I contacted the phone number listed to verbally dispute the debt and advised them to contact the original creditor if they have any further questions as it was paid in full and provided the date of payment. I find it suspicious that I was contacted randomly by a debt collector after 4 years from the service date advising that I owed a debt in full that was already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I contacted XXXX services about a debt of {$760.00} that was reported on my credit report to validate the debt, the company DID NOT respond to my request at all, so I disputed the account to both XXXX, XXXX  and Experian. I first received a response from XXXX stated its not reporting to my file, XXXX  stated the debt could NOT BE VALIDATED and it has been deleted from my report. I sent a letter to Experian certified on XX/XX/XXXX tracking # XXXX asking for proof of how the debt was validated and they have ignored my request by just simply updating inaccurate information without proof of validating the debt as well as violating the FCRA by continuing to report inaccurate, unverfiable information this has been going on for months and its causing me way too much stress when they are not following the law of the FCRA. Unless they are able to provide me verifiable proof I demand the law be upheld and the account be deleted from my file.