23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I own a Google-branded Android phone and Google Wallet is not working on my phone. I continue to receive error messages that I have brought to the company 's attention when I try to use the necessary service to pay for goods/services with my phone ; and, despite the company saying they have been working to resolve the issue for months they still have not done so. Furthermore, Google Wallet is engaging in monopoly behavior ; google-branded Android phones only allow one digital payments wallet app -Google Wallet. But mine is not working. Therefore, I should be allowed to download an alternative competitor, such as XXXX XXXX XXXX , since Google 's is not working. But, Google does not allow this. As such, my Google Wallet account is not working ; and, because Google engages in monopolistic behavior it actively prevents me from downloading and using a competing service from a competitor such as XXXX XXXX XXXX . If Google 's internal digital payments app is not working, then as a consumer I should be allowed the choice to download a competitor digital payments app that actually does work. Google does not allow this ; this is a textbook definition of monopolistic behavior.
Product: Consumer Loan

HYUNDAI MOTOR is reporting that I owe over {$20000.00} dollars for a vehicle that I leased with them XX/XX/XXXX. I voluntarily surrender my Sonata vehicle on XX/XX/XXXX. I had asked Hyundai Financial to pick up the vehicle on XX/XX/XXXX, but they took too long to pick it up. The vehicle was in perfect condition. My credit report is reflecting a debt that does not correspond to reality. Should I have a debt for any responsibility for the vehicle, it should not be more that {$1000.00} dollars or so. I do not agree with such reporting and I oppose to any debt that Hyundai has been trying to charge to me.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or armed the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. The following accounts are inaccurate 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 sent 4 letters to TransUnion attempting to get unverified information deleted from my credit file. I have detailed in all 4 of these letter how the reporting of this unverified and false information is in violated of the law under the FCRA. Under FCRA Section 611 ( 5 ) ( A ), " In General. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- 1. ) promptly delete that item from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 2. ) promptly notify the furnisher of that information that the  information has been modified or deleted from the file of the consumer. '' TransUnion has failed continuously violated this law, and has failed to delete this unverified information from my credit file. I have requested reinvestigations 4 different times, all of which result in them saying my credit report has been modified, but the unverified accounts have not been deleted. TransUnion and their negligent practices are detrimental to my success in advancing in my career field. At this point, it is downright criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX On XX/XX/XXXX after seeing an outstanding balance on my credit report. After paying in full I was told that the item would be deleted. It still appears on my report today and I have requested multiple times that it be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX lost the payoff check and marked me 30 days late for two consecutive months. XXXX and XXXX of XXXX. The dealer has record of the check being cashed in XXXX. I sold it to them ( XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, mi ) on XX/XX/XXXX. I lost over XXXX points and XXXX XXXX now just disconnects me whenever I try to call and get it rectified. I've tried more than 10 times which is completely rediculous. How can a company mark you late after they receive a payoff. This a blatent abuse of power and gross display of ignorance on their behalf to not even acknowledge that they made huge mistakes throughout the process.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inconsistent and inaccurate reporting of my XXXX Mortgage account ( Account # XXXX ) across the three major credit bureausXXXX XXXX, and XXXX. Upon review of my credit reports, I identified several inconsistencies in the reported payment history, which constitute a violation of the Fair Credit Reporting Act ( FCRA ). I will list out each inaccuracy so that there is no confusion and to avoid a general response that all information is reporting accurately. I will also attach the account for your reference. XXXX reports XXXX consecutive months of XXXX late payments ( XXXX to XX/XX/XXXX ), which is not reflected in XXXX or XXXX reports XXXX XXXX and XXXX report XXXX, XXXX, and XXXX late payments inconsistently, with no agreement between the XXXX bureaus. XXXX lists the account status as XXXX  days past due, while XXXX shows " Paid or paying as agreed '' and XXXX lists " Pays account as agreed ''. The Date Last Active varies significantlyXXXXXXXX XXXX, XXXX, according to XXXX, while XXXX and XXXX report it as XX/XX/XXXX. These reporting discrepancies are clear evidence of negligent and inaccurate reporting in violation of FCRA guidelines, specifically 15 U.S. Code 1681e ( b ), which mandates that credit information must be reported with maximum possible accuracy.
Product: Debt collection

A company called XXXX XXXX calls continually looking for a family member. They are calling everyone in the family, disclosing personal information and threatening everyone if we do n't give them the location of this person. They continue to call my home and business number for a debt THAT IS NOT MINE, it is for the sister of my domestic partner. I was threatened with jail, a warrant for my arrest, etc. When I told them I was n't who they were looking for, they slung a stream of abuse at me and did n't believe me. I asked for their contact information and they refused to give it to me. I asked them to stop calling here, and they have continued to call five times a day, repeating their threats, looking for someone who IS NOT HERE and has never BEEN here. I am sick of their harassment and abuse. When I ask them to stop calling, they call MORE OFTEN. This has to be illegal.
Product: Mortgage

My mortgage company is Weichert Financial. 
I have Homeowner Insurance with XXXX. I have Home Mortgage with Weichert Financial Services. 
Every year Weichert put to my bill Hazard Insurance. Without any agreement. 
After I call to XXXX - XXXX faxed to Weichert the Home Insurance Declaration Page to prove my Homeowner Insurance. Usually, after the charge eliminated from my Weichert bill.

This year Weichert does the same - put Hazard Insurance {$1200.00} to my bill. 
I call to my XXXX agent to work with this problem. 
XXXX send to Weichert the Declaration Page- no result from Weichert.

I called to Weichert.

I spoke with Weichert specialist at XX/XX/23 at XXXX XXXX  - to cancel the charge for home insurance from Weichert because I pay for home insurance to XXXX. 
No result. 
That means for me - I am paying TWO insurances for same property..

Please, help me. 
Weichert must stop charging me for Hazard Insurance, because I have home Insurance from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX I sent a letter to validate a debt to both XXXX and XXXX. I did not receive a response so I sent a letter to Equifax regarding both XXXX and XXXX alleged Collection accounts in XX/XX/2022. I did not receive a response, But they updated my credit report to show it was disputed. I then sent another letter in XXXX, and still have yet to receive a response. 

Not only has the collection company not been able to provide any proof of this alleged debt, but Equifax has not AND Ive attached a copy of my credit report highlighting ALL THE FCRA violations Equifax has violated. They literally CHANGED the XXXX year history from all on time payments and all the sudden ADDED a XXXX late pay in XXXX of XXXX. Which its reporting as a collection- 1 ) collection accounts are NOT to report as an OPEN account, they are reporting a Past due balance and they can not by LAW add a 120 day late payment... THIS IS 4 VIOLATIONS OF FEDERAL LAW. 

Ive attached copies of my credit reports to show that they added the late payments and all the letters that have been written and sent certified and received. 

This is unethical and it is harming my credit.
Product: Credit reporting 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 privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : 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 : It also states a consumer reporting agency can not furnish an 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 adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15.U.S.C. 1618s-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: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to it incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, at the XXXX XXXX, TX XXXX Dealership, my husband and I went to a XXXX dealership to investigate buying a new vehicle. We told our salesman as well as the sales manager to only do a soft credit check and not to send anything off to any banks. After refusing to buy a car from their dealership, and 3 hours of waiting for some kind of offer on paper, we asked for our keys back to our trade in, and to cancel any proceedings. As we felt we had been treated poorly, and informed them we would be going to a different XXXX dealership with better customer service. After informing us of my fico score of XXXX or so, 2 hours after we left, I received multiple notifications that our questions and personal information had been forwarded to every bank they do business with, against our specific instructions, and without our knowledge to make it harder for me to purchase a car even from another XXXX dealer. It was done out of spite after refusing to buy from their location.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of accounts that are not mine : XXXX XXXX Acct # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Acct # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX   Acct # XXXX, These inquiries that are not mine : XXXX | XX/XX/2020, XXXX | XX/XX/2020, XXXX XXXX XXXX  | XX/XX/2020. I have contacted the FTC and the local police and I am doing this on my own behalf. I need those items removed as soon as possible please.
Product: Mortgage

This is my second complaint submitted to Chase. I recently submitted a complaint and forward to Chase over a month the paperwork for which I have not received not even one letter about my case. I am enclosing the package that was sent to Chase with the evidence from the Postal Service. What is the next step?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian about false and fraudulent addresses reported on my Credit report. Once by certified mail in XX/XX/XXXX. On 3 different occasions by phone on XX/XX/XXXX, XXXX, and XXXX, XXXX for the misleading information to be deleted from my profile. Experian has yet to delete the information requested. Therefore, I am moving forward with filing a complaint due to difficulty with communication.
Product: Credit reporting or other personal consumer reports

XXXX agreed to a pay to delete for an account I had with them that was in a charge off status, I paid this account however they have not deleted it and it is still being reported as a charge off/ delinquent account with the amount owe of {$0.00} to all three credit bureaus. 

Additionally, One Main Financial is continuing to report an account on my credit report that is over XXXX XXXX XXXX. This goes against The FCRA 's seven-year lookback period codified at 15 U.S.C.
Product: Debt collection

Repeated robo/computer-animated voice calls from XXXX  (? ) for XXXX XXXX (? ), which we have never heard of, used, or owed money to. There is no " XXXX '' hospital (? ) where we live. We have excellent credit and have never had overdue bills anywhere. We have received but have not answered telephone calls ( and a number of voice mails ) from ( XXXX ) XXXX on the following XXXX dates/times as documented on our Caller ID : XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XX/XX/XXXX XXXX XXXX  ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX  ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX. It's time for this scam/harassment to stop.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I noticed a series of hard inquiries from each of these credit reporting companys on my credit report. They are as listed Transunion : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXXL XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 These inquires were made without my consent or authorization I was not present for these applications these were done fraudulently I request these be removed for this is impacting my credit score negatively
Product: Money transfer, virtual currency, or money service

On XX/XX/23 my Hyperwallet was hacked into. I wasn't able to check email until XXXX but I got an email at XXXX that there was a new login and at XXXX I got two emails, one was a transfer request confirmation for {$6200.00} and the second email was also at XXXX and was to Track my payment " Your {$6200.00} USD payment has been processed and is on its way to your debit card ( XXXX '' This is NOT my debit card number. I did not authorize anyone to access my account. 

I saw the emails when i logged into my email account at XXXX and immediately called XXXX ( the company that i am an independent XXXX with and that pays my monthly commission via XXXX/Hyperwallet XXXX XXXX support told me to contact Hyperwallet and the only way to do it is via chat/email. I emailed Hyperwallet and started an email chain that went on for a couple of days w/ XXXX from customer support After looking into the issue, she said they tried to get the money back but couldn't and that there was nothing else they could do to get my SIX THOUSAND + dollars back. 
They said someone got into my account and changed the payment to their own debit card and took all of my money out. I have since contacted PayPal ( owns Hyperwallet ) and they said there is nothing they can do. I also reported this to my local police dept ( XXXX XXXX PD ), the FBI 's IC3 dept, and need to contact the XXXX XXXX XXXX  as well.
Product: Checking or savings account

I went to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CO XXXX, at approximately XXXX XXXX, XXXX XXXX of XX/XX/2018 to buy groceries, including getting XXXX dollars cash back on a personal check written from my bank, XXXX XXXX XXXX XXXX. I have written checks many times at that exact location of XXXX XXXX before with no declines of my checks. I was told today by the XXXX XXXX checkout staff to call Certegy, and was given the phone number to call, which is XXXX. 

I spoke with a woman at Certegy about XXXX XXXX over the phone, and it was a very bad call, and not what I wanted to hear. ( I do not remember her name, but all calls are recorded. And yes, I was VERY upset and I used a curse word and anger filled words because she refused to give me the exact reason, as I asked her several times. We as consumers should never be treated and punished in this way. I lost my father and uncle in the same year recently, so I was very upset. I apologize for the bad words and anger, but you can understand why I was so upset. This should not have happened. ) The amount of the check was for {$110.00}, which includes {$40.00} cash back. Same credit union and same bank as I wrote a check there before at the same location. I have a copy of my Certegy report and NO checks are outstanding or showing returned, so there is literally NO reason why this should have happened. 

I am upset, humiliated and embarrassed. I feel harassed and insulted to say the least. Consider this a direct complaint against Certegy for the way they treated me and declining my check without ANY EXACT REASON given. A cookie-cutter list of reasons is NOT the exact reason. And she REFUSED to tell me the real reason, which is unacceptable, and should be considered a direct attack on my credibility and integrity. 

I shop at that store all the time. I will not be forced to use another form of payment, when this is basically the only way I do business. I have been a victim of fraud in the past, so I can not use a debit or credit card anymore. I do not feel comfortable using any form of card now because of being a victim of fraud and theft directly towards me. 

Please, get on top of this right away for me. I would greatly appreciate it. Thank you.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX This account is being illegally reaged. Experian refuses to reinvestigate. 
An account cant be charged off more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA keeps correcting the balance I owe them on my credit report then putting it back on my credit report. They have been doing this for years when the debt has been paid in full. They are still reporting it as a current debt and keep refreshing it like it is a new debt. I want the debt removed from my credit report and I want USAA blocked from reporting on it ever again as I do not do business with them for this very reason and have no intentions of ever returning as a customer again after this poor management of my accounts.
Product: Vehicle loan or lease

US auto finance is who I leased my car through. My car was stolen and damaged back in XX/XX/2022, my car insurance company paid XXXX of the dollars off then I was told that my cpi was going to cover the rest of the payment and it should be updated on my credit report in XXXX of XXXX  which never happened. I constantly reached out to the company so then they told me that it would be a charge off on my account in XXXX of XXXX  and that never happened as well I have been goin back in fourth with this company going on a year now about the removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was for an auto loan that was refinanced more than 2 years ago. During the refinance process I was told that this auto loan would not appear on my credit profile after it was refinanced with XXXX XXXX. Currently, I have two auto loan appearing on my credit profile and I was told by Santander that I would not continue to see reporting for them. My current auto loan is with XXXX XXXX, not Santander.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute letter to Transunion on XX/XX/year> and they didn't respond within 30 days. I am submitting this complaint to get help from the CFPB with this dispute. It is my right as a consumer to dispute inaccurate accounts on my credit report. I don't understand why Transunion will not cooperate. This is causing me so much stress.

I would like for Transunion to start an investigation for the XXXX XXXX account that I included in my dispute letter.

Attached is the dispute letter, my ID and my social security card.