23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Hello I am having an issue with XXXX and XXXX XXXX  removing a repossession from my credit report. I had an issue with the company the entire duration I had financed the XXXX XXXX. They intentionally make it hard for you meet the terms of their agreement and to ultimately fail the program. The car was valued at {$4500.00} and I was told before signing the contract that the total cost over 3 years would be {$13000.00} which also included the price of a warranty agreement. I later find out after the finance manager went over my contract rapidly, like an auctioneer, that the total amount would be {$21000.00} with a fixed interest rate of 19.95 %. I was told that the interest rate was based on my credit score. I later find out that this rate is given to everyone no matter what their credit rating is like. 
They allow some customers to pay via phone with credit/debit while demanding others to make payments in person. This is inconsistent of their contract terms. If I were even a day late on my payment, the company would call and leave me voicemail messages several times in a day, sometimes within minutes of each other, threatening to repossess my vehicle if I did n't pay. I still have these voicemail messages. I once became ill, was out of work, and could n't make my payments. I explained this to the fiance company and was told I had to bring doctors notes explaining my diagnosis in order to keep my car from being repossessed. This is a violation of my HIPAA rights. 
In the end of XXXX I got a new job where I 'm paid monthly. I called to make the finance company aware of this and to let them know there would be a lapse in payment. The finance company then, without notifying me, repossessed my car on XX/XX/XXXX. On XX/XX/XXXX I had just withdrew the money from my bank account to bring my payments to current. If a curing default notice was sent to me, the repo could have been prevented. In addition the finance company did n't send me any notice to make me aware of what their intent was with the now repossessed vehicle. When I saw that the company was reporting late payments on my credit report, I decided to sue them for predatory and unfair business practices. I had an issue with their entire process.I sent my intent to sue. A few weeks after I sent my intent to sue, I called the finance company to learn of what happened to the car. I was told by XXXX that the car was purchased back by XXXX XXXX for {$5000.00} and my balance of {$13000.00} was forgiven and deemed as paid off. I now want this removed completely from my credit report. I was never given proper notice of their intent to repo, by phone, certified notice, or a mailed notice. They continuously harassed myself and family members when a payment was due but conveniently did n't make me aware of their intent to repossess.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my credit report and noticed a charge - off from Heights Finance account number XXXX that was charged - off in XX/XX/XXXX that is continuing to show a charge - off status every month since, and I never received a 1099 - C from this account. According to the Fair Credit Reporting Act XXXX XXXX. XXXX XXXX [ b ] - Maximum Possible Accuracy, and XXXX XXXX XXXX - XXXX g. With this account being charged- off and reporting every month since XX/XX/XXXX is an error, because a charge- off should be reported as income on my 1099-c not debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts in collections on my experian reports, I have submitted paperwork to prove this is not my accounts, I have spoke countless times with experian and they have a green multiple times that they will be taking these accounts off, it has been over 2 months now and this is affecting my family!!!
Product: Credit card

1. I applied XXXX XXXX platinum card and got approved on XXXX XXXX ; XXXX Ref : XXXX 2. I received new card and started using a card. 

3. My card was being declined on XXXX XXXX. 

4. On XXXX XXXX, I called XXXX security/fraud department number and was told that I will get a call with reference number. Once I have a reference number, I was asked to call back XXXX security/fraud department to verify the account. 

5. I did n't get a call with reference number and called back XXXX security/fraud department again on XXXX XXXX. 

6. I clarified my account and all activity and was told that I can use my card again. 

7. However, my card was still declining. 

8. I called XXXX security/fraud department again. I was told that security/fraud department canceled my account. 

9. On XXXX XXXX, I was told by XXXX customer service supervisor, XXXX, that my account is still active but no new activity can be posted due to security/fraud department action. Only way to reactive my account is closed the account and apply new one. 

I am filing this complaint against XXXX XXXX XXXX for following reasons 1. My account is still active but XXXX does n't allow any new activity. 

2. XXXX does n't allow me to use my card when I verified all my identity/activity since their security/fraud department canceled my account. On XXXX XXXX call, XXXX security/fraud department supervisor acknowledged that this cancellation was their fault. 

3. I am filing complaint against XXXX for their racial discrimination. My wife applied same card and used card for all same purchase I made. However her account was never frozen. Her last name is XXXX ' which does n't imply her XXXX XXXX. I suspect that XXXX security/fraud department selectively chosen my account since my last name implies that I am an XXXX. 

XXXX. I am being told only way for me to use XXXX Platinum product is canceled my current account and apply again. However, my current account has very attractive sign-up bonus offer which was noted in XXXX terms and conditions. XXXX is forcing me to apply to new account which offers much less sign-up bonus offer. I am suspecting that XXXX is doing this since they does n't want to honor originally offered terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 EXPERIAN 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

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 XXXX5 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

We received notification that our loan had been purchased by Mr. Cooper from XXXX in or around XX/XX/year>. On XX/XX/XXXX, we experienced significant damage from XXXX XXXX resulting in an insurance settlement of nearly {$200000.00}. Our insurance company, XXXX XXXX, released check of ~ {$100000.00} at the end of XXXX which contained the names of my wife and myself as well as Mr. Cooper ( Nationstar ). That check was endorsed and sent to Mr. Cooper which they received on XXXX. We expected to receive an initial payout of 40 % with a second payout occurring once a it could be verified that 25 % of the work had been completed. However, instead of receiving the payout expected, we only received a check for ~ {$8400.00}. We were told they were paying out based on total damages instead of percentage of claim check. However, the total they chose to pay out included reimbursements directly to contractors that had already been paid. We initially requested an inspection on XXXX, but were told we couldn't get one until the initial payout was processed. We followed up on XXXX and were told a virtual inspection would be completed. On XXXX we received a message from an inspection company ( already over the promised 6 days to schedule ) but they never followed up with the actual details. On XXXX we were told there was an error with the initial calculation and additional funds would be sent, but I was hung up and no resolution ever occured. On XXXX I followed up again and was told i would be handled, but nothing has occured. 

At this point, Mr. Cooper has had our funds for 19 days. Over {$85000.00} in work has been completed, but less than 10 % of that has been released. Timelines for inspections have not been met and no alternate solutions have been provided. At this point, my wife and I are dipping into savings and borrowing against our XXXX  just to be able to pay for work that has already been completed. This is after insurance has fully paid out for the required work.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2016 XXXX XXXX closed all my checking and savings accounts and credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts, security freezes on each of my credit reports : XXXX, Equifax and XXXX.
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I have called each credit bureau, submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail.
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Requested Action : Please contact each of the credit bureaus to remove ALL fraud alerts and security freeze notices so that my XXXX XXXX can get credit information for my ready reserve applications. My XXXX XXXX has applied five times and can not get credit information to approve my application for new reserve accounts.
Product: Credit reporting or other personal consumer reports

Early warning is reporting an account on their database that I have no knowledge of. This is a fraudulent account from XXXX XXXX XXXX  personal checking and business. These accounts have inaccurate address information linked to my name. I have never lived at any of these addresses and early warning has failed to provide me with any documentation validating these addresses are mine or that these accounts belong to me. I requested the documentation and early warning sent a message saying they do not have access to documentation. If thats the case this is indeed identity theft and these accounts must be removed immediately. Also, I never received the required notice from XXXX XXXX XXXX that I signed via certified mail that they are required to send before reporting any accounts to third parties in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Product: Mortgage

On XX/XX/XXXX, I called Fairway Independent Mortgage Company to inform them that we were filing bankruptcy and that we were going to do a reaffirmation of mortgage with them. We never missed a payment with them and were current with our mortgage payments. On XX/XX/XXXX, the reaffirmation was docketed with the courts. We paid the lawyer, paid the courts and then got a bill from Fairway aka XXXX  for our XX/XX/XXXX. bill that we owed {$120.00} for their legal fees. I inquired about this several times, but not one person would speak to me about this. They referred me to their attorneys who also would not speak to me. Paid the {$120.00} on XX/XX/XXXX -- then saw another {$120.00} added to our billing statement for XX/XX/XXXX. I called and they said we owed {$140.00} now, They could not account for the extra {$15.00} or now another {$120.00}. We were NEVER billed for anything but the original {$120.00}. I spoke to a supervisor today who informed me that we were billed for more legal fees in XX/XX/XXXX. I asked her if this was going to happen every month and she did not know. I asked her why we got no billing statement about the extra {$140.00} and she did not know. I filed a dispute with their company, but I am sure nothing will happen with that. I feel completely discriminated against by Fairway because we filed bk and because we got the reaffirmation agreement. I want to know why we are being gouged for more money when we paid the {$120.00} that we were billed for. How can they continually add on more fees without telling us what they are for?

copy of email from Fairway : Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. If this issue is not resolved to your satisfaction, you may reopen it within the next days. Thank you for allowing us to be of service to you.

Subject First of all, our bankruptcy has been discharged and we have a reaffirmation ...

Response By Email ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) RE : Loan Number : Dear Borrower, Thank you for your recent inquiry regarding your loan. We apologize that we have been unable to respond to your message within our standard processing time. We regret any inconvenience this delay may have caused.

Please be advised the payment in the amount of {$120.00} was processed on XX/XX/XXXX.

If you have a question and would like to speak with a representative, you can initiate a Chat session by Live Chat, send a secure message by selecting Ask a Question.

Thank you for providing us with the opportunity to assist you.

Sincerely, XXXX XXXX E-mail Support Representative
Product: Prepaid card

Hello, I received XXXX American Express XXXX  from a company. XXXX for {$25.00} and another for {$100.00}. I successfully activated both cards, but after multiple attempts across various retailers I was never able to access any of the funds. Big companies including XXXX and XXXX declined payment. I contacted American Express customer service and they were not able to re-issue the e-giftcards or offer any solution on how to actually use or access my money. 

These virtual cards are declined online and via XXXX XXXX XXXX XXXX no one will take these cards. 

I call AMEX customer service again today and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my XXXX unusable virtual cards to a physical card. They can not offer me a refund. They have suggested I " keep trying, perhaps at XXXX or XXXX ''. I asked if they would issue a physical card with my information attached ( since that is why they claim merchants are declining the cards ) and they said no. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. Today, customer service specifically told me that if I can not successfully use the e-giftcards before they expire ( one does in XX/XX/year> and the other in XX/XX/year> ) then I will lose the total amount and there is nothing that can be done. They have falsely advertised that their gift cards can be used anywhere that accepts American Express cards. On my e-giftcard it is the very first line! " Use at XXXX merchants that accept American Express XXXX '' This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their cards for months after multiple attempts. My money is inaccessible. All I want is the total balance on my cards in cash/check. 

I am happy to submit the relevant card information and balance if needed. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated that they properly verified an account but I have proof that they did not verify this account. 

According to fair credit reporting act, 609. disclosures to consumers [ 15 u.s.c. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor.

The fair credit reporting act 611. procedure in case of disputed accuracy [ 15 u.s.c. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 u.s.c. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Vehicle loan or lease

On XX/XX/year> I lost my vehicle due to a total loss. Credit Acceptance took over XXXX months to pay my vehicle off. XXXX sent credit acceptance the amount that they were going to pay and credit acceptance took a very long time to get gap involved in this matter. Credit acceptance refused to come forward with information on who my XXXX coverage was with. After speaking to them an abundance of times they finally told me that they offered in house coverage from XXXX Credit acceptance also wanted me to pay a car note after my car was deemed as a total loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I KEEP HAVING ACCOUNTS APPEAR ON MY CREDIT REPORT THAT I THINK ARE FROM MY IDENTITY THEFT CASE FILED SEVERAL YEARS AGO.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acct # XXXX This account was reported as a Collection charge-off and is affecting my credit score negatively.The reporting of this account is incorrect and was sold to a third party. Which violated my rights.1681 ( n ) and 605C. I urge your agency to reinvestigate and provide all the missing information.Also please explain why this account is sold to a third party and still reporting on your credit report. Im pretty sure you know that is a violation.I demand immediate deletion of this account to ensure that your agency is reporting full and only complete accurate information. according to 15 U.S.C. 1692C. You have violated my rights in lawful on lawful communications.please remove this collection off my credit report.Also 12CFR1006.34C law has been violated to.I dispute the XXXX of my profile and the method of payments to be provided.Also 15USC CODE 1681S-2 was violated. Thanks.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I opened an account on Coinbase. The purpose was to XXXX XXXX XXXX for use on a separate exchange. Coinbase offered several options for transferring funds into the account. The Coinbase website said that using XXXX would let me access my funds immediately. I transferred {$200.00}, plus {$9.00} for Coinbase 's transfer fees, for a total of {$200.00}. On XX/XX/year>, I received an email notice from Coinbase which said that my account access was restricted until XX/XX/year>. The email claimed that the delay was because it expected to receive payment from my bank. This was not the representation that Coinbase made. I needed to complete my transaction before XX/XX/year>, so I asked for a refund. 

I contacted Coinbase 's customer service and ( after an extensive delay ) was told that Coinbase could not undo the transaction and to contact XXXX. XXXX informed me that my sole recourse was to go through Coinbase. On XX/XX/year> I received another email notice which said that my account would be restricted for another 9 business days ( i.e. until XX/XX/year> ). No explanation was given. Meanwhile, I obtained proof that my bank XXXX XXXX XXXX XXXXXXXX XXXX and XXXX had both cleared the transaction and that Coinbase had my money. I have had multiple conversations with Coinbase customer service. During one of those chats, Coinbase admitted that it had my money ( my account shows a balance of {$200.00} ). 

I have made multiple attempts to withdraw the money I deposited into the account. Coinbase refuses to let me do so. It claims I must wait until XX/XX/year>. This is fraud as their representation was immediate access and I am now looking at a minimum of a 30 day delay. I am worried that I will not be able to get my money back. I expect that Coinbase will manufacture a further delay an further restrict my account for an indeterminate amount of time. Worse, I will receive no compensation, or interest for the use of my money, during this period. I am writing in the hope that XXXX can help me get my money back from Coinbase. If there is any way to penalize Coinbase, issue a fine, or implement any other disciplinary action, I will be happy to cooperate in any such effort.