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

I noticed that if you click " get credit report '' on transunions website, it takes you through the process of signup and confirming identity. 

The website does not tell you your being charged for a service and it does not reveal a confirmation page for the amount being charged. It does not indicate the amount being billed. 

What it does ask you for, is your credit card number to verify your identity. After you input a credit card to confirm your identity, it does not tell you your being charged for a service, nor does it present you with a confirmation screen. 

Transunion did not send a receipt for any transaction to my provided email. 

I disputed the charges and cancelled the " credit monitoring services '' i supposedly signed up for, even though i was only trying to obtain my free credit report. 

After receiving a refund back to my card, i tried to request for my free credit report online and it had said i already received it. I did not receive anything. 

I am very disturbed by their website functions, and it was not clear what product i had selected until i reached the homepage dashboard, and even then, i had to go into the preferences and deep into that i found out it was a subscription service. 

I would have expected to see " {$24.00} '' displayed on any one of the signup screens and the name of the service i was subscribing to.
Product: Vehicle loan or lease

I was in an car accident XXXX of 2022 and my vehicle was totaled. I had gap insurance in which I was told would be covering the loan and they took it away from me without me knowing. 2 years later, It is not reporting to my credit report with late payments and a large installment loan which is affecting my ENTIRE life as far as getting a new car, getting an apartment or anything to even help me live. I was told it was going to be removed and they never removed it. Ive tried disputing it multiple times and it has no been removed. I was also told the car was for XXXX and the pricing has drastically changed as well. Credit Acceptance is the worst company for auto loans and due to their neglect of their customers they are refusing to do what should have been done.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts with XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX they all say they have missed payments but also have XXXX charges connected to them. according to 15 U.S code 1605 ( a ) a finance charge is the sum of all charges so I can't be penalized for something paid in full. Also 15 the U.S code 1681 a ( 2 ) ( A ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also under 15 U.S. Code 1681b ( A ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Mortgage

OnXX/XX/XXXX my mortgage company did multiple reallocations that amounted to subtracting payments totaling {$8300.00}. It resulted in adding over {$4500.00}. to principal, and almost $ 2k to  escrow and interest, each. OnXX/XX/XXXX, In  their detailed payment statement ( that I requested ),  that amount was distributed back into my account, but it never happened. All that was shown for XX/XX/XXXX was a payment received. * I have called since XX/XX/XXXXrequesting an explanation and review, at least every other week. I have been assured of : a review, a call back within a few days and a written explanation but, have received none of these. The review of the Escrow account did finally result in a refund in that part. I have brought this information to my accountant, and we had a group discussion with the Customer Care representative, to the same end. I have turned my file over to him and my lawyer, at this time. I 'm hoping the pressure that your bureau can provide will finally get us a response. Thank you for your time and attention.
Product: Debt collection

I am writing to file a formal complaint against Westlake Portfolio Management for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Westlake Portfolio Management is reporting an account on my credit report that I dispute, and they have failed to validate the alleged debt as required by federal law.

Details of the Complaint : Failure to Validate Debt : Under 15 U.S.C. 1692g of the FDCPA, consumers have the right to request validation of alleged debts. I have requested that Westlake Portfolio Management validate the debt by providing documentation that verifies its legitimacy, including proof of the original agreement, the amount owed, and evidence linking the debt to me. To date, they have not provided sufficient validation of this debt, violating federal regulations. 

Improper Credit Reporting : Westlake Portfolio Management continues to report this disputed and unvalidated debt to the three major credit bureaus ( XXXX, XXXX, and XXXX ). This is a violation of 15 U.S.C. 1681s-2 of the FCRA, which requires furnishers of information to ensure the accuracy and integrity of the data they report. Reporting a debt without validation constitutes inaccurate and misleading reporting.

Harm Caused : The improper reporting of this unvalidated debt has negatively affected my credit score and financial standing, causing undue stress and limiting my access to c
redit opportunities.

Relief Requested : I request that Westlake Portfolio Management immediately validate the debt in compliance with the FDCPA. This includes providing detailed documentation verifying the debt, identifying the original creditor, and confirming the amount owed.

If the debt can not be validated, I request the immediate removal of the account from all three major credit bureaus. 

I request written confirmation from Westlake Portfolio Management stating that the account has been removed or, if validated, providing all supporting documentation. 

Proposed Resolution : To resolve this issue, Westlake Portfolio Management must comply with federal laws by either validating the debt or removing the account from my credit reports. Failure to address this matter appropriately may result in additional complaints to the Federal Trade Commission ( FTC ) and potential legal action to protect my rights under the FDCPA and FCRA. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Westlake Portfolio Management adheres to all laws governing debt collection and credit reporting. 

Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

I would like to dispute the inaccurate accounts on my credit report. 

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 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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX : {$57000.00}
Product: Student loan

I took a 5 student loans out in XXXX, for school totaling less than 6000 dollars. I never graduated. I consolidated these loans at 7 % and paid most if not all in full. 

I have had financial bumps in the road and have filed Chapter XXXX twice. Now I am told my loan in totaling XXXX dollars. I have asked for a detailed payments that have been applied, tax refunds that were taken. 

I never have gotten a detailed statement. Only a statement of what they think I owe I was told that the interest and fines accrues quickly. Also the 7 % interest rate I signed is on each separate loan consolidated. Which is an interest rate really of 35 % That in my opinion is a preditory loan Now they want to garnish my wages. I am still very financial unstable. 

I cant believe that this type of federally sponcered loan practice can happen
Product: Debt collection

XX/XX/2021, {$680.00}, Portfolio Recovery Associates is trying to collect a debt that I will not pay. I have never agreed to pay a debt with this debt collector. I have not signed any documents stating that I agree to pay Portfolio Recovery {$680.00} cents. Portfolio Recovery Associate I refuse to pay a debt that you claim I owe your company. You do NOT have my WRITTEN SIGNATURE show that I agree to pay Portfolio Recovery any amount of money. Cease further communication with me. 15 U.S code 1681c ( c ) clearly states the law on communication with the CONSUMER. I have all the documents that Portfolio Recovery has mailed to me that show the incorrect address. I have documents asking me to file out a documents for fraud. These documents are clear violations of the Fair Debt Collection Practices Act. 15 U.S code 1692.
Product: Debt collection

XXXX XXXX XXXX turned over a delinquent bill to XXXX XXXX XXXX. It was incurred by someone named XXXX XXXX from XXXX XXXX I am XXXX XXXX from XXXX and it was not my bill. ). XXXX didn't believe me that I was not the person that incurred this bill. They threatened me with court action and said they would report it on my Credit Report, which they did. 

During our phone conversation, they indicated that they had my social security number and address and phone number. They lied and said XXXX XXXX XXXX gave that information to them. I was never a XXXX XXXX XXXX customer, so there was no way they would have had that information. XXXX obtained my personal information, illegally and without my permission and used to to erroneously effect my XXXX XXXX on my credit report. Since I discovered their illegal fishing expedition, trying to force me to make a full payment, they will not return my phone calls or answer my texts or reply to my email correspondence. FYI : XXXX XXXX XXXX fully acknowledges it was not my bill and have been fully cooperative and said they would handle the matter with XXXX, to get this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information received back from dispute to XXXX XXXX validates my reason for dispute. 
Letter from XXXX XXXX states the reporting is accurate. ( See attached documents of reports showing multiple errors. ) 1. Letter states account was a collection as of XX/XX/XXXX? How is this possible when my last reported payment in full is XX/XX/XXXX? 

2. Account is still on report as collection as of today. XX/XX/XXXX. This is clearly inaccurate. 

3. Letter states that first delinquency date was XX/XX/XXXX? Credit Report clearly shows first delinquency date of XX/XX/XXXX. Which indicates rollback and illegal re-aging. 

4. One report shows paid, and other shows as derogatory thats still in collections. 

These are multiple inaccuracies which are in violation of my rights under FCRA law.
Product: Money transfer, virtual currency, or money service

I have {$260.00} in my Paypal account. Paypal emailed me to inform me that my account was blocked by them and that i can not use my money for six moths. They don't want to give me any information upon why my account was blocked and i can not retrieve my money from the account at this point. 
I want to finish my business with Paypal and get my money from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received an inquiry from XXXX XXXX which I did not apply for. I have no recollection of ever applying for their credit products and live about 2 hours away from the nearest XXXX XXXX XXXX. 

I also got 2 inquiries on the same week from American Express. One on the XXXX of XX/XX/2020 and another one on the XXXX of XXXX of 2020. I am unaware of how these inquires got on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX- Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4.

I need them delete this unauthorized inquiries off my credit report.

You can't go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers " Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( XXXX  ) and others who furnish third party disputes free of charge, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

*XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX* {$730.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX *XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX* {$650.00} XXXX XX/XX/XXXX *XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX* XXXX XX/XX/XXXX *XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX *XXXX  XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX* {$480.00} XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Identity theft!!! Proper documentation was sent to ( XXXX, XXXX, Experian ) about these fraudulent accounts and transactions made over a year and a half ago. PoliceReports of identity theft, Identity theft affidavit, complaints of fraud and identity theft through cfpb, fcra, XXXX.These accounts are still reporting after validated documents was sent to all involved institutions. I would like information of how I go about starting an class action lawsuit against these deceptive practices from these credit agencies.
Product: Bank account or service

XX/XX/2015 I signed up for a Citigold account via a promotional offer # XXXX that advertised XXXX XXXX XXXX miles after completion of XXXX requirements : { { {$1000.00} } } dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. I was told I had been enrolled for the offer and just needed to complete the above requirements in order to obtain my bonus. So I completed these requirements within the allotted time, confirmed conditions were met with Citibank, and waited for my points to arrive. After more than 90 days had passed, I had still not received my bonus, so sent an inquiry via secure message. I was told to continue waiting. After more time had passed, I reached out again, and was told they would investigate the bonus offer. I also went into my branch where I have the account with {$50000.00} balance several times and was told I would receive the bonus but I have not yet received it. I was then sent a secure message that that I would not receive a bonus. I was eligible under the terms and conditions and met the requirements, yet they still would not make good on their bonus offer.
Product: Credit card

I just received an update on my credit score and went down and reason was an old balance that has had multiple months to update but failed to due so. So disappointing since paid down the whole balance. So fast to hurt my credit but very slow to update. Unacceptable!
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Transunion does not truly look in to my disputes. I show proof of the incorrect information and they either ignore or deny the responsibility. I have called and finally after repeating my S.S multiple times and waiting for hours to a response of being sent to incorrect department just to finally be told they can not do anything about it. Here lately I received my dispute by the next day or XXXX only to told its verified and updated. Im reaching out to CFPB for help. XXXX XXXX and Transunion is absolutely not for Consumers. The phone number they ( XXXX ) list only offers you to change your freeze. If you ask to speak to a representative will only leave the option of a repeat computer response.Transunion expects you to pay for your own credit score? How is this legal? Transunion only allows XXXX dispute until they are completed with the other. These XXXX bureaus are running a sham and should be against the law for them to treat consumers this way. Reaching a representative at Transunion is just as bad. Each one of these bureaus has received my disputes over the last couple of years. XXXX XXXX XXXX also has ignored my disputed proof only to be told sorry for the mistake but only to see nothing has been done to correct. I have been denied loans because of these companies reporting incorrect information.
Product: Mortgage

My family is now basically homeless because of Chase and XXXX. The sale of our home and purchase of the new home was scheduled for a same day closing. Today we had to spend {$1200.00} to place all of our household into XXXX. I 'm hoping you can help light a fire for them to make this right. As of tomorrow my family will be living in our 5th wheel. 

We had a short sale with Chase dated XXXX/XXXX/XXXX. Chase incorrectly reported it as a foreclosure and updated the credit bureau to a short sale in XXXX. XXXX is pulling over that short sale is now late in XXXX because of the update Chase did. XXXX reps just tell my lender we see the error, but at this time have no override code to fix. In the mean time we sold our home and now have no home to go to. XXXX has literally left my family with no home to go to because their underwriting system is incorrectly pulling the update of XXXX as if we had new lates. Common sense if the short sale was completed XXXX/XXXX/XXXX there is no way new lates could happen on the same account years later. I also have a letter from Chase confirming along with credit report. 

I 've been dealing with Chase executive office since XXXX and no one has been able to fix. Each person has said they are on it and never get back to us. Reps at XXXX are absolutely awful and the rudest most unprofessional people I 've ever spoken to. One of the ladies told me that they are aware of the issue, it will get fixed during a release and next out of her mouth in an irritated tone was anything else mam. They refuse to let you speak to a supervisor and refuse to escalate the issue. 

XXXX XXXX XXXX Chase Executive XXXX XXXX XXXX ext XXXX
Product: Checking or savings account

A direct deposit was supposed to hit my account on the XXXX and XXXX of every month. I still haven't been paid and my account is getting hit with multiple overdraft fees.
Product: Credit reporting or other personal consumer reports

On XXXX I sent the first letter to Experian, XXXX and XXXX requesting inquiring why they are continually violating my FCRA and FDCPA rights by reporting inaccurate information on an account that is showing on my credit report as sold or transferred. On XXXX I sent a follow up letter requesting all documentation regarding this account : how this account was applied to my credit report, all documentation used to verify this account belongs to me, all documentation bearing my signature in regards to this account. As of today XXXX I have not received any response, no documentation. This is a clear violation of my FCRA rights to have accurate information reported XXXX percent of the time.