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

I have always had extreme difficulty accessing my transunion account to freeze and unfreeze credit and to obtain free credit reports. In most cases it takes over 1 hour to be able to get these tasks done and requires assistance from technical support. On my last attempt, I was advised to cancel my existing account and create a new account. So far I have not been able to log in to the new account to determine status of my credit freeze and be able to view a credit report.

There are two other credit reporting agencies that I never have any problems with.

What is it about transunion that is so broken? I am entrusting them to safely guard my confidential personal information and it appears their system is broken and has been for some time. How can this be allowed to continue?
Product: Credit reporting or other personal consumer reports

On XXXXXX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.
Product: Vehicle loan or lease

they swaped my car with a clone after purchase was not what i test grove help
Product: Credit card or prepaid card

This complaint regards the American Express Blue Cash Everyday credit card. In XXXX AmEx offered a sign-up bonus in which if you spend {$1000.00} within 3 months, you are promised a {$250.00} cash credit, as long as your account is in good standing. I opened up my Blue Cash Everyday card account in the first week of XXXX XXXX and met the threshold by XXXX/XXXX/XXXX, spending {$1300.00} on qualified purchases. I paid it back in full well within the 3 month period, thereby meeting all required conditions. However, after numerous calls, they keep repeating that it is being researched by specialists and my request is still pending. Every time I speak with an AmEx employee, they tell me I will definitely get my bonus, but after 6 months of calling them over and over, they tell me it is still pending and refuse to send me any official notification of such. These illegal practices are ongoing, since at least XXXX, and this is criminal behavior. 

I know from research on CFPB itself that thousands of consumers have made this exact complaint, and that AmEx knows it, and furthermore that the company has already been fined XXXX XXXX dollars to pay to 250,000 customers who have been defrauded by American Express ' illegal business practices. They have been doing this willfully and criminally, since at least XXXX and get away with it the vast majority of the time. Unfortunately CFPB 's statement that " 97 % of consumers get timely replies when we send their complaints to companies. ", does not take into account that In the case of American Express, a timely reply means nothing, and gets you nothing. I urge all who have been preyed upon to keep fighting, and pursue a class action suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a cosigner on a loan for a vehicle for my mother. My mother XXXX had missed a bunch of payments and beginning of last year she filed for bankruptcy. She included the vehicle in the bankruptcy. XXXX XXXX XXXX XXXX then removed the vehicle and its balances from our credit. Then a few months later re added the account with a past due balance of {$110000.00}. The vehicle original loan amount was {$20000.00}. It is impossible for the past due to be XXXX dollars. I have filed multiple disputes and they keep coming back stating the information is verified and correct. I have a signed document from Capital Ones lawyer from the bankruptcy hearing stating that the amount owed is {$14000.00}. When i call Capital One and ask where on my account it shows I owe {$110000.00} and I have a recorded phone of the rep stating I do not owe them anything near {$110000.00}. The rep also states that they are not reporting to my credit which is false as it shows on all XXXX credit bureau. They are also reporting different amount on the credit report. XXXX and XXXX show {$110000.00} and XXXX only shows {$60000.00}. I have tried again and again to have them fix this mistake and they will not. This is hurting my life severely as I'm in the process of trying to buy a house which I am being denied for due to have a debt of {$110000.00}.
Product: Student loan

I received a XXXX tax for from the school loan company ACS ( XXXX XXXX XXXX ) stating I was paid {$710.00} in other income. When I called to inquire about this, ACS told me they had made a mistake on my loan payment in 2011 and had to make an adjustment this year. I asked when this adjustment occurred, since I could not see it on my payment record. They told me the adjustment was applied 'behind the scenes ' and would not show on my payment records screen. This leads to my specific concerns : 1. I do not see how an adjustment for a mistake on their end becomes taxable income on my part ( I was in school at the time these funds should have been applied and would not have had to pay tax on them ). 

2. The corrections are too opaque. If there is no evidence of an adjustment, how to I know it occurred. 

3. This reported income has changed the amount of interest they are claiming I paid on my loans this year. According to my online payment records on the ACS website, I have paid {$1600.00} in total on my loans this year, with {$630.00} being applied to interest. Yet, my XXXX reports that I have only paid {$10.00} in interest this year. 

4. The XXXX form was sent to my house without any indication as to why and what it was. I had to investigate on my own only to discover the form was for payments issued by a company, which surprised me because I did not receive any funds from ACS.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my credit report please remove them from my credit immediately. 

XXXX XXXX XXXX XXXX ALLY FINANCIAL ALLY FINANCIAL 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 card or prepaid card

XX/XX/XXXX CONTINUATION to MY FORMAL COMPLAINT Pin # XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Capital One Cases : XXXX, XXXX CFPB No : XXXX Dear XXXX XXXX and Capital One : This letter again is in response to my complaint to ( CFPB ) regarding my complaint of receiving XXXX XXXX credit card account personal information being sent to my email address, and sending mail/offers to my home address. 

You stated as of the date of the last letter, you removed my name and address as it appears above, from your mailing list, however, on XX/XX/XXXX I received a letter from the following : Capital One Quicksilver Rewards, XXXX XXXX XXXX XXXX, XXXX, VA XXXXand I spoke with someone there in reference to it and she never responded. XX/XX/XXXX letter from Capital One VentureOne Rewards to the name and address you have supposedly removed. ( Copies of envelope attached ). 

As I stated to you in my complaint, this is very stressful dealing with this continually and as I stated in my earlier complaint, that if this continues, You are still sending me offers at the same name and address you claim that you have removed. Each time I have to deal with this situation it is costing me a stressful time and you all need to compensate me for my time and stress, in my original complaint I asked for a {$1000.00}, now I am asking for more {$1500.00} because it is continuing and for my pain and suffering and time and aggravation in dealing with this continued matter. I am asking you for the last time to CEASE AND DESIST and remove my name, address, email and any other information relating to me from your records, all records, offers, etc. I am not a customer and do not want to be a customer of Capital One. I will be contacting Consumer Affairs to file another complaint if this is not resolved in a timely manner. If I can not get this resolved, I will be contacting a lawyer. 

This letter will serve as your legal notice to CEASE AND DESIST all further mail, emails, correspondence and all further mail actions described above. You are hereby instructed to comply with this letter immediately or face legal actions under applicable Federal and State laws. 

I may utilize recordings to document any telephone conversations that we may have in the future if u fail to comply with this cease and desist letter. I intend to keep a log of any contacts you make with me after you receive this letter. 

Please give this very important matter the utmost attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX or XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX fax # XXXX ) XXXX
Product: Debt collection

XXXX XXXX Debt collector mailed stipulation and order and financial disclosure form for me to sign and date for paymen i i owe. 
XXXX XXXX Debt collection enter Judgment/and order me to pay. XXXX XXXX I wrote the Judge stated I do not owe this company any I was told to fill out earning garnishment debtor answer. I did not. 
XXXX XXXX Debt collector agency mailed me an letter demanding for full payment XXXX XXXX debt collector mailed my job earning garnishment.I informed my job please do not mail any payment to this company. 
XXXX XXXX Debt collector agency Attorney faxed my job letter demanding mutually agreeable terms to resolves debt account and wanted me to sign stipulation and calling my cell phone.Therefore my job was order to garnishment. I wrote the Judge again to reopen the case and motion was granted XXXX XXXX XXXX at XXXX was court day and the Attorney did n't show up. The next day I got and Letter from the company and the Clerk of Court Plaintiff respectfully requests to dismissed the hearing base on documents provided by the Defendant XXXX XXXX XXXX XXXX another Debt collector demanding full payment past 2 years this XXXX debt collection Attorney has been harrashing me and my job. this case has been scheduled Pre trail conference, court hearing. The first court day the judge ask for any documentation stated not owe this Company. I shown the account is closed, company has no record, and I file for dispute status from XXXX to prove this account is close, and I shown the judge copy of my old account I saved from the company bill statement. 
XXXX Judge close the case. Debt Collector reopen XXXX Mailled me another for Court for Notice of Hearing to Garnishment Wages. Than the company Mailed my Job Affidavit of mailing to payroll department Months later another court date to reopen this case and this continue each time during school has stated for work. During these Month this company has Garnish my wages with out any order for garnishment. This company has been fishing for information from the system from the first Debt Collector who ender judgement. 
XXXX XXXX asked the court to reopen this case again therefore, motion to reopen was granted. 
XXXX XXXX court day Attorney always order phone appearance. 
XXXX XXXX Debt Collector mail form to fill out for exception filled it out.and no respone from Debt collector XXXX XXXX Debt Collector mailed court order for court day XXXX XXXX I wrote judge a letter to dismiss this case and why, new judge for this case and I had to explain all over again Court date was XXXX XXXX XXXX at XXXX I was late for my court day coming from work and the judge order wages garnishment. what hurts so badly this company garnish my wages before court order and am paying a company I do n't owe.
Product: Credit reporting or other personal consumer reports

I am a victim of the security breach my information was used to obtain loans I made the companies aware and they refuse to remove the inaccuracies violating my rights under the FCRA. XXXX XXXX XXXX {$23000.00}, XXXX XXXX XXXX {$11000.00} which has been on my credit for 8 years and 3 months, also a credit card from XXXX XXXX  {$1100.00}. i have put the companies on notice these accounts are inaccurately reported. Under 15 U.S Code 1681 ( e ) 15 U.S Code 1681 ( I ). 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a )
Product: Debt collection

This company is repoting 4 different accounts on all 3 bureaus and I haven't received any written notification or validation/verification of these debts
Product: Debt collection

My husband and I signed up for a campground membership at XXXX XXXX XXXX in XXXX MI in 2008. We used it for 2 years and found it was not what they promoted it to be. The sister parks did not want to honor our memberships and we were not happy with the quality of the parks around the country we visited. They were not the quality we were sold. We contacted them by letter and repeated phone messages that I had come down with XXXX. We live 4 hours away. We wanted to cancel. I have continued to send them letters and try to call- they never call me back and now I find the numbers are disconnected. I have just tried to get a loan and have found they have put in for collection for the annual membership fees for the past years since I sent them the letter. I need help! We can not find anyone to contact and resolve this. Membership fees are voluntary. We paid the initial cost in full. How do we get out of this?
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXXFederal Trade Commission** XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Experian CRA XXXX Credit Reporting Agency ) accessed my credit report without my consent on XX/XX/year> and closed XXXX XXXX account. on my credit report. This is considered identity theft, as it involves someone using my personal information without my permission to significantly alter my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. However, it has been more than 30 days, and I have not received a response regarding my investigation. This is not making any sense. To follow up, I sent another letter last week with certified mail with tracking number ( Equifax ) XXXX XXXX : XXXX, ( XXXX ) XXXX XXXX : XXXX, ( XXXX ) XXXX XXXX : XXXX Based on the documents I provided, the credit bureaus can see that I am aware of my consumer rights. Therefore, I demand that all accounts that negatively affect my credit score and violate my consumer rights be removed immediately. 

In accordance with Fair Credit Reporting act, everything has to be 100 % accurate on my credit report. 

Please see the attached documents as confirmation of my identity.
Product: Mortgage

Dear Sir or Madam, We are very disturbed due to the COVID epidemic. And based on the Public information floating in various media, we decided to take all possible protections as recommended by the various Authorities and Experts. 

On the Mortage side, we were curious to explore the precautions. 

We tried to contact the Mortgage company SLS directly on phone to get full information. However on their website, it was clearly said that they are experiencing a very high volume of inquiries, so the only way to contact them in Via Email. 

The details of the Mortage Company are : Specialized Loan Servicing LLC XXXX. XXXX XXXX XXXX, CO XXXX So we contacted via Email, sometimes in XX/XX/2020. 

And we continued making regular mortgage payments in XXXX, XXXX in time, and would continue doing so in the future, as per the contract. 

However, we were shocked to get an ALERT in the second week of XX/XX/2020, from our XXXX XXXX XXXX, that SLS has made public notings/comments on the Credit Reports. 

We have never defaulted on our payments and have always made payments to them in time. 

We immediately contacted them for the reasons for the notings as we never took any assistance and have been paying in time. 

They responded that " someone '' would get back to us in 7 to 10 days, and did not offer any explanations or clarifications for those Public  Notings on our account We find this behavior inappropriate and we are being unnecessary being given a hard time by them. 

We have NEVER missed a payment and all payments have been made in the right amount and time to date. We will continue making payments on time. 

We therefore request removal of the comments as they are causing us massive distress in these times, and we are being needlessly targeted, despite fulfilling all the terms. We are NOT taking any assistance from them, for paying our Mortage loan. 

Please freely contact us for any information/clarification. We shall be happy to provide the same promptly. 

Thanking you and looking forward to your help. 

Sincerely Shocked and Disturbed Mortgage Holder.
Product: Credit card or prepaid card

today I realized my Macys credit card was charged A XXXX XXXX FEE which was {$18.00} when I took a look at my statements I was been charge this same fee every month. I call Macys and they told me they don't deal with it and its a 3rd party company who serves as insurance of the card I tried to explain I never sign up for it but they wouldn't hear me so I call XXXX XXXX directly. when I called I spoke to a lady and she told yes " I been part of the program since I opened the card back in XXXX  and I being paying a percentage of my balance, I tried to explain to her I never sign up for this and at the moment I opened my Macys credit card the sales person at the store helped me with the transaction, I close the membership at the time and I requested my money back because it was something I never signed up for and maybe the person who helped me open the card ( a macys employee ) did it for me ". I asked to be refunded from XXXX XXXX
Product: Credit reporting or other personal consumer reports

Having meticulously reviewed the Fair Credit Reporting Act ( 15 USC 1681, 602 ), I am both enlightened and resolute in my understanding of its mandate : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX, being consumer reporting agencies, are bound by this statutory duty, and I, as the XXXX  XXXX, command that my private information be protected, as upheld by 15 USC 6801, which declares, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The financial institutions that furnish information to these credit reporting agencies fall under this obligation by definition. Furthermore, 15 USC 1681 604 ( a ) ( 2 ) explicitly states : " No consumer reporting agency may furnish a consumer report except in accordance with the written instructions of the consumer to whom it relates. '' I hereby affirm that no such written instructions have been provided by me to XXXX, XXXX, or any furnisher of information, and any alleged consent, whether verbal, non-verbal, implied, or otherwise, is unequivocally revoked. 

Additionally, pursuant to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I have never been informed of this right by the furnishers of information. This failure constitutes a blatant violation of federal law.

Moreover, 15 USC 1681c ( a ) ( 5 ) mandates that no consumer reporting agency may include in its reports adverse information predating seven years, except for criminal convictions. Yet, these agencies continue to unlawfully report adverse items without my consent, flouting legal boundaries. 

The furnishers of this information are further restrained by 15 USC 1681s-2 ( A ) ( 1 ) ( A ), which forbids the transmission of any information that is inaccurate or that they have reason to believe is inaccurate. Similarly, 15 USC 1681e commands all consumer reporting agencies to maintain procedures that prevent such violations. XXXX and XXXX have failed in this regard, disregarding the statutes that bind them. 

Finally, under 12 CFR 1016.7, I exercise my unalienable right to opt out of these reporting services at my discretion and at any time. As of this declaration, I am opting out. 

Let this serve as an authoritative decree : my rights as the XXXX XXXX shall not be infringed. All parties are hereby noticed of their violations and compelled to cease and desist from further unauthorized reporting or sharing of my information. 

Signed, By My Own Hand, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the 15 U.S.C. 1681 aka the Fair Credit Reporting Acts ( FCRA ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. DEPT OF EDXXXX Reason for Dispute. This account doesn't belong to XXXX XXXX I never opening up a loan with up with DEPT OF ED/XXXX in XXXX REMOVE INCORRECT PERSONAL INFORMATION & UPDATE PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Pursuant to FCRA {$1600.00} under reinvestigation procedures, youre allowed you 30 days to complete this investigation, after which I authorize you to mail me my updated credit reports along with the investigation results, I am asking that your verify the account directly with the source of the information. If the account is verified, I will require that you provide me the mode and method of communication and verification you received from the furnisher. 

Truly, XXXX XXXX
Product: Debt collection

This XXXX or XXXX XXXX called my XXXX year old daughter 's phone and left message that she is wanting to serve me and is threatening to take legal action against me. stated she has my name and social. I returned the call but went to recording stating the company name is A R M? So i researched this XXXX XXXX and this company A R M on the internet and read these people are scammers. how in the world did they get my daughter 's phone number? this is not the first " phantom debt " collector threatening me and repeatedly calling my several daughter 's phone and also calling my employer! these companies need to be stopped please Help! I have never received one piece of correspondence from this person nor this company.