23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion and the associated information furnisher for inaccurately reporting late payments on my Credit Card account with account number XXXX. 
This incorrect information in my credit report violates several regulations, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Protection Against Non-Payment of Obligations Act ( PAANL ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). 
1. FCRA : The credit bureau and the information furnisher have failed to ensure the accuracy of the data in my report, and the incorrect information continues to appear despite my request for a manual and thorough verification, as required by the FCRA. The lack of manual investigation, as well as possible reliance on the automated E-Oscar system, constitutes a violation of 15 U.S.C. 1681i and 1681s-2.

2. TILA : I have not received periodic billing statements within the legal timeframe of 21 days before the payment due date, which has resulted in the incorrect reporting of late payments. I request the provision of records demonstrating compliance with TILA requirements, specifically 15 U.S.C. 1637 ( b ) and 12 CFR 1026.5.

3. UDAAP : The inaccurate information regarding my late payments affects my credit score and may mislead potential creditors. I believe this constitutes a deceptive practice under UDAAP regulations overseen by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Has been Hacked 143 million, They finely gave a news cast They are not concerned enough about me or any of there customer to contact them personally.
I contacted Equifax.
Equifax finely said Thursday, hackers STOLD, sensitive personal data, Social Security numbers, birth dates and home addresses.
Equifax said the breach began in XX/XX/XXXXand continued until it discovered in late XX/XX/XXXX.
Poss ably my Social Security numbers and birth date and other information about me, is in the hand of thieves ...
Equifax also lost control of drivers licenses, credit card numbers and credit dispute documents for 182,000 people.
What little information I have got is not enough ...
I need answers, Not token responses to this problem.
At there web sight, no help They said check back on a certain date.
I have to do the work they are lackadaisical.
Product: Money transfer, virtual currency, or money service

Hi, I've made a wire deposit from XXXX XXXX XXXX to Coinbase ( XXXX XXXX XXXX   ) on XX/XX/XXXX amount of {$25000.00}. However, the amount is still not showing up on my Coinbase account. I've called the XXXX XXXX XXXX  customer service and they told me that $ XXXX has been deposited to Coinbase on XX/XX/XXXX. I've contacted Coinbase several times in many ways but have not heard anything from them yet. 
For me, this is a large amount of money and I am very concerned about this issue. Could please please help me on this issue? I really want to know what is going on with my money? Below are the details of my transaction. Please let me know if you need anything else. 

Thanks for your help in advance! 

- Amount : {$25000.00} - Date sent : XX/XX/XXXX - Name of sending bank : XXXX XXXX XXXX - Personal name : XXXX XXXX - Email on Coinbase account : XXXX - Reference # : XXXX XXXX XXXX numberXXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : 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 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: Vehicle loan or lease

I have my auto loan with Capital One, and even though I am not late and have never been late on my monthly payments, I wanted to request 1 month extension because I didn't work for a whole month ( due to the Covid-19 ), their response was that I had the option to do so BUT they will charge me interest fee on my loan. I personally find this inhumane because the crisis we are going through right now and based on the government laws, we, the consumers were supposed to have a break until everything goes back to normal. 

I called on XX/XX/2020 and my monthly payment is {$380.00}, which if I extend 1 month into my loan they will charge me around {$180.00} in interests fee. I find this so unfair specially for a consumer that has never been late on any payment and also has a credit card with them and never paid late on neither of the accounts. I understand how business works, but we are in a crisis that a LOT of people are going through difficult times, they should consider that and work better with us. I am so disappointed that as soon I can refinance my car I will do so, as well as closed my CC card.
Product: Credit card or prepaid card

PenFed is violating the Credit Card Act of XX/XX/XXXXand are in breach of the terms of their promotional advertisement for Balance Transfers at Zero percent interest for 12 months. 
Pursuant to the CCA of XX/XX/XXXX, no interest is to be charged if the entire balance is paid by the due date. Since the inception of my XXXX XXXX Visa, I have always paid for all of my purchases IN FULL BY THE DUE DATE which is the XXXX  of each month. 

In XX/XX/XXXX, I took advantage of PenFed 's promotional Balance Transfer where they clearly stated " no interest would be charged for 12 months. In this case, it was to expire on XX/XX/XXXX. However, PenFed began assessing interest to my credit card and/or my " deferred '' balance transfer in breach of the promotional. They have refused to credit my account even after speaking with their representative, stating that I would need to pay the balance in FULL including the deferred amount which is a part of the promotion. The closing date on my credit card is the XXXX  of each month and ALL CHARGES are paid in full with an extra amount towards the deferred balance transfer. PENFED 's Credit Card Agreement for BALANCE TRANSFERS and their credit card in general are both deceptive and ambiquous as it states as follows : " C. BALANCE TRANSFERS. ( 1 ) There is no grace period on balance transfers. Finance charges accrue on all regular or promotional balance transfer amounts from the date posted to your Account and continue so long as such amounts remain outstanding. ( 2 ) A finance charge will be imposed on the average daily balance of balance transfers, which is the sum of the balance transfers outstanding each day during the billing cycle, divided by the number of days in the billing cycle. The sum of balance transfers is determined by including new balance transfers and deducting any payments or credit and excluding any unpaid finance charge. A balance transfer appearing on the periodic statement is considered a part of the outstanding balance from the date of posting. ( 3 ) The amount of finance charge is calculated by multiplying the average daily balance for each balance transfer by its monthly periodic rate. The monthly periodic rate is the yearly interest rate divided by 12. If you transfer a balance from another financial institution to us, you will immediately incur finance charges at the regular or promotional APR available at the time of the balance transfer and on purchases at the purchase APR. For instance if you transfer {$1000.00} at a promotional rate of 0 % APR and then make a purchase of {$200.00}, you will immediately accrue finance charges at the purchase rate, forgoing the grace period. To avoid finance charges on new purchases after you transfer a balance, you must pay all balances on your Account including any balances that you transfer in full by the due date. '' Such wording, contradicts the Credit Card Act of XX/XX/XXXXas well as the promotionals they would offer. Such wording and documents violate consumer protections, related to interest rates and how they are calculated, fees, disclosures and marketing.
Product: Money transfer, virtual currency, or money service

Capital One Shopping ( XXXX ) is an online shopping portal that provides cash back on other merchants you purchase through the link they provided. 

I transferred 3 phone lines to XXXX XXXX XXXX wireless on XX/XX/XXXX, with activated Capital One Shopping browser extension that says " {$450.00} cash back for each new line ''. 

However, I never get any pending reward. I then contacted Capital One Shopping at XXXX, on XX/XX/XXXX, XX/XX/XXXX, and XXXX but never got a reply. 

However, if I use any other email address, they would give me a reply says " please use the email associated with your account ''. But when I send with the email associated with my account, I still never hear back from them. 

They refused to provide any other customer service methods such as phone number, online chat or mail, and also refused to go into my account if I email with another personal email-address. They refused to change the email address on my account, other than delete the account and creating a new one, which stated in the website. 

All I am looking for is a way to get support, but I never hear back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX bankruptcy XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : U.S. Bankruptcy Court XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A deposit was made on the XXXX XXXX XXXX XXXX XXXX and i was informed that it will take up to 7 business days to verify the funds even though I was connected with instant deposit and withdraw as they claim after connecting my bank account. The money was withdrawn from my account within 3 business days and I was able to purchase crypto with it that I needed to transfer to another external wallet. Past forward 8 business days later I am still not able to withdraw or transfer anything from crypto.com wallet. More frustrating about the situation that you try to contact their support through the app chat only and they day respond time within 2 hours but no one ever answer even after more than 72 hours passing and its always like that never resolved any issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Resurgent Capital Services I see you took full advantage of the system behind our backs when you couldn't legitimately prove I owed anyone for what you were attempting to collect so what did you do? You turned around and had LVFUNDING place it on the reporting services agencies like XXXX, I guess that collusion has worked for now, good work, but now that I'm recovering from a long illness we noticed this collusion and have taken a snapshot of it to send to the FTC. 
This kind of activity on your part shows you have no regard to what the rules are under the FDCPA OR THE FCRA and it certainly isn't XXXX XXXX compliant therefore, we will be suing you for this collusion behind our backs.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated, or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

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

my information has been affected by a data breach numerous time please delete all negative information from credit report. and remove collections accounts and clear report the law states if there is a data breach to the consumer we are not liable..i have been breached numeros times..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # ( LISTED BELOW ), 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. 
XXXX NAME ; XXXX # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Chap XXXX XXXX
Product: Credit card or prepaid card

Someone named XXXX called my business to confirm info re my amex card. i called amex directly they confirmed it was not their number and it was a scam. phone # he requested i call back is XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S.

Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S.

Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

remove the following accounts from my profile immediately XXXX XXXX  XXXX XXXX XXXX Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

You, CREDIT REPORTING AGENCY, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 
XXXX, Equifax, XXXX and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family. 
I need the information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in middle of the month of XX/XX/2020, I had my only public record drop off my credit reporting bureaus. This was a Chapter XXXX Bankruptcy. ALL my other bills, car payments, credit card accounts, every single one of my accounts were current/ not a single payment late, or missed. When the Chapter XXXX Bankruptcy fell off, my credit went DOWN over 40 points that day, and it had dropped 30 plus points on other occasions, for no reason whatsoever. 
I called Trans Union, and asked them if there was some incorrect information, a collection, repossession, anything, which was causing these enormous drops. They were very evasive about giving me information, but I made it very clear that there was a 133 point difference between the Trans Union Credit Bureau ; which is currently XX/XX/XXXX-today ), and my XXXX report ( which is at XX/XX/XXXX-today )., which was a bit over 700 Points. AGAIN, no missed payments, nothing whatsoever in collections, no judgments. 
Trans Union obviously has some false information, or they are simply judging me/ rating my credit HIGHLY unfairly. I am do WELL understand there may be small variances, but this is absolutely ridiculous. I even looked into having to hire a credit specific attorney if the XXXX, Colorado area to file a suit, or formal complaint against them. They need to correct my credit bureau in a very fast manner as it is costing me higher insurance rates, and much higher rates on financial products I am being offered.
Product: Mortgage

I tried to refinance through my existing mortgage company, Freedom Mortgage. I had a closing disclosure issued to me on XX/XX/20 with closing costs at {$5600.00}. At my closing date, XX/XX/20 my paperwork showed up with closing costs at {$7700.00}. I received no notice prior to closing that my closing costs had went up {$2000.00} ( a 36 % increase ). I contacted my loan advisor, XXXX, while the signing agent was still present at my house. I had to leave a message for XXXX. That day I called Freedom Mortgage three more times trying to get ahold of XXXX or a manager that could help me, but was only passed around to different employees. It was discovered that the VA funding fee was not included in my closing costs and it should have been. The next day, XX/XX/20, I finally got to leave a message for a manager, XXXX, at around XXXX XXXX.. I received a phone call back from XXXX at around XXXX XXXX.. He said the increase was due to the VA funding fee, but said that he would look into it and get back to me tomorrow. I impressed upon him the importance of time, because I had only three days from closing ( XX/XX/20 at midnight ) to decide if I was going to cancel my refinance. Now XX/XX/20, I heard from XXXX in the afternoon around XXXX XXXX.. XXXX XXXX that there was not going to be a VA funding fee, but that he was working on the closing disclosure with the closing department and to not sign the " Right to Cancel '' form. I specifically told him that I would need the disclosure sent to me first thing in the morning, as I had to work and that day and it was the last day I would be able to cancel my refinance if the  figures were not satisfactory. XXXX also stated that the numbers would not be the same as my original disclosure statement, but was unable to tell me exactly what the numbers would be. I tried calling him later that day only to leave a message stating the numbers needed to be the same, this was not an opportunity for Freedom Mortgage to invent other fees to add to my closing disclosure. On XX/XX/20, I had no paperwork for my closing disclosure. XXXX called me in the afternoon, and still no closing disclosure. I informed XXXX that I needed that paperwork earlier today and they had three days to get me a new closing disclosure, which was still not available!!! I canceled my refinance as well as let him know that what occurred was unethical and illegal. Mortgage companies have to give you three days notice before closing if the closing disclosure amount changes and it should not vary more than 10 percent.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesn't belong to me and need to be removed .also, the nest as well .Thanks. 
XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024