23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Trusted Id sent me my report showing that there was a collection on my file. This is from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Tx. The amount is for XXXX dollars. I have no idea who this is or what the debt is for. Ive never done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency is reporting fraudulent information on my credit report. 
The credit agency removed a fraudulent address from my report. 
( FRAUD ADDRESS- XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ) ( Correct Address - XXXX XXXX XXXX XXXX XXXX, XXXX , NY XXXX ) Accounts associated with FRAUDULENT address : XXXX XXXX  XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX   XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I got collection for two amounts, one of {$510.00} and another for {$280.00} due to the hospital getting my insurance wrong. Im covered by XXXX ( Iowa total plan care ), never notified i owed. While I normally make every effort to pay my debts and fulfill my responsibilities, in this instance I was, unfortunately, unable to do so. I am writing today because I am now trying to access a auto loan and I am having difficulties due to having a collection on my account. Given the date and amount of this collection, I am kindly requesting your agency consider removing this collection from my credit report as a gesture of goodwill. 
Doing so would sincerely be appreciated and represent an invaluable gift to my family and me. 
Thank you so much
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

HOME DEPOT Online On XXXX XXXX I was looking at an XXXX $ item on homedepot website. Below the add to cart button there was a message stating my price would be XXXX $ for a new account promo if I applied for, and used the HOMEDEPOT credit card. I did so, was immediately approved, however after adding the item ( XXXX XXXX XXXX  XXXX ) to my cart along with the promo code, it only applied a {$25.00} credit. 

I contacted HomeDepot and was told that the {$100.00} credit were only for orders over {$1000.00}. I requested to be made whole by having the card canceled and the inquiry removed from my credit report. I was told they could cancel the card but not remove the inquiry from my credit report. As they refused to remove the inquiry, i requested they leave it all as is until I could contact a consumer advocate. 

I feel this is an unfair and deceptive practice that has resulted in an impact on my credit report for an account I applied for under false advertisement. I would like to be made whole. 

Most Sincerely,
Product: Mortgage

My husband and I applied for a mortgage in XX/XX/2017 through PrimeLending for an investment property we were wanting to purchase. D We were given XXXX XXXX 's information to use him as a lender and got the pre-approval letter on XX/XX/2017. Upon applying for the mortgage, XXXX was informed that I had purchased a new car in XXXX and it had not yet hit our credit report. He stated that it would not be a problem and to go ahead and proceed. We signed a contract with the seller and ordered appraisals and inspections. After appraisals and inspections came back clear my realtor asked if we would like to close 2 weeks early. Everything had gone smooth so far so we figured it would be a green light to close. XXXX informed us that he needed to see our down payment for the house in our bank account. We were withdrawing from a 401k in order to partly fund our down payment. ( $ XXXX ) and we sold a vehicle ( $ XXXX ) to fund the other half. My husband cashed out his 401k and we sold the car to have the est. $ 40k in  the bank account. At this point XXXX passed us off to his assistant to finish the closing. This drug on for an additional 3 weeks. An old collection account was on our credit report and I had disputed it years ago. I was told the account would have to be paid and the dispute removed. I spent 4 days working on that to get it taken care of. On the date we were originally supposed to close PrimeLending was still asking for documents from our 401k 's. We had to push closing off another week. I asked his assistant numerous times if this was a go. I did not want to cash out our 401k if this loan wasn't going to go through. I was assured by her, XXXX XXXX himself and our realtor that everything was fine. The week we were finally set to close, I get a phone call from my realtor informing me that our file had gotten passed off to another lender to try and approve but that she couldn't get it done either. Upon further talking to my realtor, she informed me that XXXX XXXX didn't run the initial pre-approval as an investment property, but as a primary residence. They both informed me that had they run the pre-approval as an investment property to begin with, the dispute would have a flagged and we wouldn't have been pre-approved at all due to our debt to income ratio. We have acquired fees for the inspection and appraisal, we are out the earnest money and our option money along with several thousand dollars in extra taxes for withdrawing our 401k 's out. I feel like we followed every step required of us and had this been done correctly to begin with, we wouldn't be out this money.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to respond to my dispute letter regarding inaccuracies on my credit report. On XX/XX/2024, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking number : XXXX ), requesting an investigation into inaccurate items on my report. I also disputed incorrect personal information listed on my credit report. 

To assist TransUnion in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. Despite providing all the necessary documentation, I did not receive any response or investigation results from TransUnion. 

According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as mandated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai is reporting INACCURATE late payments to my credit report from an Auto loan that is now closed and paid. I have disputed these inaccurate late payments with them directly along to XXXX, XXXX, and XXXX and neither company has been able to validated this information correctly and have failed to provide me with transcripts proving these late payments are accurate! They are reporting 17 late payments and that is inaccurate! See attached copy from my credit report showing how they are being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

You must delete now! 


602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

603.Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the XXXX XXXX XXXX  in response to inaccurate information posted on my Equifax credit report. When I received the debt validation letter from XXXX XXXX XXXX, it became clear that the account on my report does not belong to me. The information on the documents provided are not my own. The name, address, and social security on the document is not mine.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation!

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. 

Listed below are the Personal Information that are being challenged Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Incorrect Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Incorrect Name : XXXX XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX  | XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I got an {$12000.00} personal/home improvement loan from Navy Federal Credit Union ( NFCU ) with monthly payments around {$380.00} a month for 48 months. On XX/XX/XXXX I received a two month extension on the loan and NFCU extended my loan 2 months with last payment on XX/XX/XXXX. After I paid my last payment there was a balance of {$1200.00} remaining on the loan even though the loan should be paid in full. NFCU loan management first told me that was accrued interest from the two month extension but I ask for an explanation on the excessive interest. The second time I spoke with someone from NFCU loan department in the branch. They told me {$350.00} was for late fees, {$130.00} for accrued interest for the two months extension, and the rest for the two months I missed on XXXX and XX/XX/XXXX. The problem I have with NFCU is that they extended my loan from 48 months to 50 months and making me pay the two months the loan was extended in XXXX even though I paid two extra months. I paid the loan off with the exception of {$350.00} dollars in late fees and {$130.00} in accrued interest during the two months extension. I've contact NFCU several times about the issue on ways to dispute the problem with no resolve. NFCU is telling me I have to pay them for the two months I extended the loan even though they added two extra months to my loan agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

Submitted all proper identification along with police report from town that identity theft was based out of and experience still wo n't remove. This is my second time disputing with them. 1st they tell me I need to send in a Police report. Now finally I get the police report. They want it notarized. My credit has suffered long enough. This will also be the 2nd time you guys get involved as well with my fight with experian.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TRANSUNION for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TRANSUNION has failed to comply with the law and has retained the inaccurate account information. 
The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TRANSUNION to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TRANSUNION upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, my car was totaled and Hyundai Motor Finance ( HMF ) provided an inaccurate payoff letter to my insurance XXXX on around XX/XX/XXXX. It was inaccurate as the amount did not include an extended warranty refund that was cancelled prematurely and without my consent. I contacted the dealer on around XX/XX/XXXX for cancellation of the warranty but more information was needed from me- which I had not provided yet as I was waiting for the account to be paid off before submitting the paperwork ( which took place only a day or two later ). Despite multiple requests to HMF for a corrected payoff letter, HMF refused to provide one, further delaying the resolution of my claim. 

Furthermore, on XX/XX/XXXX, HMF helped themselves to an extra {$700.00} from my new cars account for a payment that wasn't due until XXXX, and before a statement had even been generated, causing further financial strain. 

I contacted HMF XX/XX/XXXX for refunds for both the {$1700.00} for the warranty cancellation, and the {$700.00} overpayment. I received the {$700.00} overpayment, but was advised that the {$1700.00} was sent to the wrong location - despite confirming my address twice on the XX/XX/XXXX call. 

Despite numerous attempts to resolve these issues, including contacting customer care and speaking with several managers, I have yet to receive a satisfactory resolution or my money. Instead, they have refused to assist, and passed the responsibility onto other organizations, including my insurance company. This is money that HMF owes me, and the lack of urgency, accountability, and assistance from HMF has left me frustrated, disappointed, and in financial strain due to their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction Experian is ignoring my dispute request
Product: Money transfer, virtual currency, or money service

I am concerned about zelles handling of disputes especially now regarding the CFPB lawsuit. When I tried to dispute my transactions, zelle said they could not track the transactions and could not do anything on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not accurate status and not our responsibility from XXXX XXXX  during COVID-19 in 2020 and should not have been placed on my credit file. This account is also a joint account and removed from my husband 's EQUIFAX but remains on my file. Please remove.
Product: Credit reporting or other personal consumer reports

Around the third week of XXXX I sent a personal information update letter to TransUnion XXXX and XXXX, after which I did not receive any response to. I then sent the second letter on XX/XX/year> ( see attachment ) and since then I have yet to receive any responses from neither TransUnion XXXX nor XXXX. Now here we are almost seven weeks after the first letter sent still no response, I decided to contact the Consumer Financial Protection Bureau ( CFPB ) and I demand that they make the corrections to my credit report by removing all non-mailable addresses. After reading the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and Transunion are consumer reporting agencies, and I am the consumer. So be responsible, fair, and impartial and make sure my non-public personal information is accurate. Also, the current address, please DO NOT omit the suite number, update the FULL ADDRESS.

Thanks
Product: Money transfers

Interested in buying my car through XXXX when I put my ad. Immediately he sends me check XXXX dollars in 2 days, I deposited the check to my bank account from company XXXX XXXX XXXX now assuming its fake one and wo n't get cleared. The next day he calls me to transfer XXXX dollar, I send through MoneyGram service for some movers in Florida location as though he is moving to nearby location I send them XXXX including fees to someone name XXXX XXXX in Florida. Again the next day calls me saying sorry could not buy my car since he already got one from mother in law with cheaper price and asking me again to transfer remaining amount to different location for about XXXX dollars this time I found out he is kind of guy and fraudulent I stop replying to his messages on XXXX ( XXXX ) XXXX or sending emails he keep contacting from unknown numbers. Any help /support would be appreciated to get my money back which I paid through MoneyGram XXXX for XXXX dollars I have receipt of the payment I did and other details please take action and resolve the matter and also moreover bring these people to justice ripping the consumers online.
Product: Credit card

On XX/XX/XXXX your front door ran a credit card of mine for XXXX dollars and took off with the money and ran. I have not been able to get a refund. Your front door is now not answering my calls and stripe the credit card processing company is saying that the merchant has the money and they cant do anything about it and keep on telling me that I need to dispute this with american express. I have done this and American express has not done anyting to help me with this! The FBI is also now involved in this manner and so is a lawsuit against the merchant. but it has ruined my life because american express had put it on my credit report
Product: Debt collection

I was notified several years ago of a debt that I allegedly owed to a school. 
The name of the school is/was XXXX XXXX.Upon information and belief It was/is an online school. 

The amount of the loan was XXXX. After looking at it I noticed that the date of birth didnt match mine nor was any phone number ever used by myself. The company continues to attempt to collect despite the FTC Identity theft report and my many calls and correspondences. Ive called and was hung up on on numerous occasions. 

The name of the company is Ability Recovery Services XXXX XXXX XXXX XXXX, XXXX , PA This account was opened and/or loan was taken out while I had a freeze on my credit report and statement that says dont extend any credit to anyone without calling me first.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Mortgage

I recently received a tax bill from XXXX XXXX XXXX XXXX for a total of XXXX XXXX My lender- Wells Fargo already has an escrow account setup but looks like they made a mistake and paid taxes to a different property. The XXXX XXXX says that a tax lien will be issued if taxes are not paid and I am at a risk of foreclosure.