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

XXXX Complaint against TransUnion : On XXXX one of my medical providers informed me that my personal information had been compromised in a cyber breach of the company system. The company advised me to sign up for credit monitoring services via XXXX and XXXX, a TransUnion company. Also I was advised to place a Fraud Alert on my credit files. On XXXX I established accounts with XXXX XXXX and TransUnion. 

When I tried to post a fraud alert with TransUnion on XXXX, at XXXX pm and XXXX XXXX  I was told : " We're unable to process your request at this time. Our system is experiencing technical difficulties. '' I tried again on XXXX, at XXXX XXXX and XXXX XXXX to post a Fraud Alert, but again received the same messages about " technical difficulties ''. Finally, on XXXX I tried to enter a Credit Freeze on the TransUnion site. Again, I was prevented from making any entries at the TransUnion site. This time the message stated : " Sorry, we're having trouble showing the status of your credit freeze right now. '' On XXXX I wrote a letter to TransUnion requesting a Fraud Alert and a copy of my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against American Express ( AMEX ) because they are reporting late payments on my credit report inaccurately. This incorrect reporting is negatively impacting my credit profile and my ability to secure a mortgage for my family. The reported late payments are not only erroneous but also mathematically impossible based on the account history. I have tried to resolve this issue with the Credit Bureaus and directly with AMEX, but it remains unresolved, and the inaccurate information is causing significant harm to my financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted EQUIFAX on XXXX at XXXX pm went through all the prompts and verification once rep came on the line asked if I could be mailed an election form which pursuant to 15 USC 1681b I can elect to have my name and address excluded from any list provided by a consumer reporting agency I was told to hold on only to be put back into the que so I hung up
Product: Credit reporting

On XXXX/XXXX/16, I disputed an entry on my ChexSystems report with Chexsystems. The entry was placed by XXXX, California in the amount of {$250.00} and reported for " Suspected Fraud Activity ''. I did not recognize this, and in my dispute to Chexsystems, I requested documentation from XXXX to substantiate both ( a ) the amount and ( b ) the suspected fraud activity. I then received a letter from ChexSystems dated XXXX/XXXX/16, that states that they have verified the information, but XXXX informed that account was opened online so requested docs were unable to be obtained. This is a completely unacceptable response. How was Chexsystems able to verify information when there is apparently no documentation to substantiate the information?
Product: Money transfer, virtual currency, or money service

I signed up with Coinbase and purchased some XXXX, XXXX, and XXXX via their website. Soon afterwards, I could n't access my account because the system required an additional " ID Verification '', which would not work. I tried contacting Coinbase through their website customer support, but only got automated responses weeks later, which did not resolve the issue. I tried other methods and finally got the verification cleared, but all my linked accounts were subsequently deleted from my Coinbase Account. When I tried to re-add them, I just got a message stating, " That bank account has already been added to your account. Please contact support to reinstate it. '' It 's been way over a month since I 've sent numerous requests via their online support, but received just one general response ( about a month after my first request ) that stated, " Thank you for contacting Coinbase Support. We sincerely apologize for not being able to provide you resolution in time.
Since we are currently working on volume of inquiries. Truly appreciate your patience over the matter. Rest assure we will address your concern and provide you with the right resolution as well.
If you are still experiencing this issue, simply reply to this email with screenshots of error messages or other relevant information that you think would help us solve and understand the issue, and we be happy to work on a resolution for you. If your issue has been resolved, no reply is needed.
Again Thank you for your patience during this time and for your continued support while we improve our service. '' [ *Case # : XXXX. ] I can not sell and recover my investment, which is valued right now at {$10000.00}, and they do not respond, there is no phone number to call and speak to a physical customer representative, and my funds are being held hostage as there is no way I can recover my money as long as they do not reinstate my back accounts.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/XXXX Dear CFPB : Concerns Regarding Credit Acceptance Practices I am writing to express my concerns about the credit acceptance practices that have become increasingly prevalent in the lending industry. As a consumer, I believe it is essential for financial institutions to uphold transparency and fairness in their credit offerings. 
My experience, i was giving a loan with a very high interest rate and also a protection plan as well. After a 4 month of driving i found out the vehicle had some transmission issues that were never serviced and were supposed to be covered under the protection plan. Credit acceptance sent out an inspector to the legitimate where i had taken my vehicle to be serviced. Upon receiving an update on the status of repairs, XXXX XXXX said that they would not cover any repairs and that it was negligence on my part. I`ve only had the vehicle for XXXX XXXX months from XXXX - XX/XX/XXXX. 
In my experience, there have been instances where the terms and conditions of credit acceptance were not adequately explained, leading to confusion and potential financial distress for consumers. I urge the CFPB to consider implementing stricter regulations that require lenders to provide clear and comprehensive information regarding credit acceptance criteria, interest rates, and fees associated with credit products. Moreover, I believe it is crucial to ensure that all consumers, regardless of their credit history or financial background, have equitable access to credit. Discriminatory practices can significantly impact individuals and communities, leading to further economic disparities. I appreciate the work that the CFPB does to protect consumers and promote fair lending practices. I hope that my concerns can contribute to ongoing discussions about improving credit acceptance standards and ensuring that consumers are treated fairly in the financial marketplace. Thank you for your attention to this matter. I look forward to your response and any updates regarding potential changes to credit acceptance policies. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan and was under the impression there would only be 1 inquiry produced from it. However, it produced many inquiries on different dates and times. These are the companies listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX US SM BUS ADMIN ODA XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

The creditor never notified me in writing that i led money and never notified me of the right to dispute. I didnt receive any notice at all until i saw a negative mark on my credit report. I dont even know what the XXXX dollar charge is for.
Product: Mortgage

Guaranteed Rate is raising my mortgage payment by {$700.00} a month because of the projected escrow amount. My 2014 taxes were paid in one installment rather than two, and they are viewing as only a half year payment and therefore doubling the projected tax amount. I have called numerous ( 6 ) times and spoken with representatives that tell me there is nothing they can do to fix the projected escrow amount even though I have faxed in all of my tax information, to which they also have access to via the XXXX county treasurer.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education XXXX XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

XXXX  is reporting three ( 3 ) delinquent accounts from XXXX XXXX As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per XXXX, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} Transunion is reporting three ( 3 ) delinquent accounts from XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my Transunion report. As per Transunion, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX is reporting three ( 3 ) closed accounts will adverse payment history from XXXX The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Late/Closed : XXXX XXXX Balance {$0.00} ; Charge-off : XXXX DEPARTMENT STORES XXXX Balance {$1700.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I took out a car loan with SANTANDER CONSUMER USA a few years back and got an XXXX XXXX was my dream car that I saved up for and put a down payment on it. I was told that the XXXX was a great car with no problems.i test drove and it was pretty much ok then problems start to occur with XXXX took back to dealer within the first XXXX weeks and complained the car was not up to par as dealer promised XXXX then told me to pay for a warranty with I was under warranty because I didnt have car for 30 days..I paid for warranty as instructed al to come across more problems with car. I told dealer that the car wasnt what he explained it to be the car was a problematic car and a big hassle.so I asked can I turn car in for another car..the dealer said yes and I got a jeep from him witch I paid another down payment on and I later find out the dealer did not leave me in good standings on my account witch I was not at XXXX a good customer that came to buy goods that wasnt good..whatever he did is affecting my Credit tremendously in a negative way..I disputed with credit company and I also disputed it with SANTANDER CONSUMER USA and nothing has happened so XXXX was taken advantage of and sold a lemon and miked out of thousands of dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following accounts listed on my credit profile ( accounts ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts do not belong to me! I AM NOT A CREDIT REPAIR COMPANY
Product: Consumer Loan

The insurance group of several leasing / loan auto companies, ( XXXX XXXX XXXX XXXX Washington I believe ), keep sending me faxes that have nothing to do with me and have the personal information of other people. The most recent one was sent at XXXX. I have called them to stop it but there is no one to talk to. I have left 5 messages. I am starting to believe that some low level employee is doing it on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SS # : XXXX | Date of Birth : XX/XX/1995 Dear Experian, I am writing to inform you of your continued violation of the Fair Credit Reporting Act ( FCRA ) and to offer a final written settlement before pursuing legal action. As you are aware, inaccurate, unverifiable, and invalidated information remains on my consumer file, despite my previous attempts to have it removed. As a result, I am entitled to pursue litigation and seek monetary damages under FCRA Sections 616, 617, 1681n, 1681o, and 1692k. 

I demand that you immediately delete the following inaccurate items from my credit report : Current address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. 
Previous address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
Account involved in litigation with incorrect high balance, inaccurate date of last activity, re-aged accounts, reinsertion without proper notice, an undated late pay, a charge-off listed as open, and a collection account with a limit. Please remove this account from my credit report. 
Late payment incorrectly reported on my XXXX account. The account was paid as agreed. Please remove the late payment from my credit report. 
Under FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), you are required to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. Despite my requests, you have failed to provide me with any original documentation, nor have you provided the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' I demand that you comply with the FCRA and delete the inaccurate information immediately. Failure to do so will result in a formal complaint to the Federal Trade Commission and litigation to enforce my rights under the FCRA. 

Thank you for your attention to this matter. 

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

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act (

FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing
documentation, these errors remain uncorrected. 
"
Product: Credit reporting or other personal consumer reports

I sent off certified letter on XX/XX/year> to the reporting depts collectors sunrise credit services and XXXX XXXX asking for validation on account XXXX also XXXX that competent evidence bearing my signature showing that I have ever had some contractual obligation to pay sunrise credit services and XXXX XXXX thats reporting XXXX account XXXX different times with different account balances.The original creditor XXXX XXXX reported this account as charge off also written off.I never received a 1099-C form which is a Cancellation of Dept or was I notified this dept was being sold off to multiple companies. Under law 15 USC 6802 Obligation with the Respect to disclose of personal information also15 USC 1692e False or Misleading Representation and section 623b Violations of the Fair Credit Act also section 807-8 Violations of the Fair Dept Collection Practices Act.I asked for these two accounts be removed immediately
Product: Debt collection

the state of Michigan and EXPERIAN are reporting inaccurately a case that has been closed! account on experian : XXXX show closed but with a comment of collection in XXXX XXXX and with a balance of {$30.00}, XXXX but i have proof enclosed that this case has been closed and the balance is {$0.00}!! I have even sent letter to experian to dispute already the issue back in XXXX! they clearly do not do their part to protect and verify our information properly and violate my rights! I have NOT given them written permission to put anything on my consumer report. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. 15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy. It is unlawful for the advertisement of any debt specially when it is INNACURATE they need to stop harassing me by reporting false information on my credit report. They have caused me severe harm and XXXX to me and my family!
Product: Debt collection

The judgement entered by the court was {$4600.00}. They have already garnished {$5100.00}. 
They continue filling new adjustments to the garnishment order with the incorrect amounts owed. They have alternated collecting on 2 separate judgements to increase interest owed and cause confusion. They have " misplaced '' money that was garnished from my wages and have no intention of correction. They refuse to provide any information on why the judgement has not been satisfied.
Product: Credit card or prepaid card

Hello, 1. Due to negative balance, AMEX issued credit balance refund check for {$1200.00} on XX/XX/2019. 

2. Since we are out of USA, we called AMEX customer service to inform that they need to cancel this check and credit the amount to our account. Promptly, AMEX cancelled the check and issued credit for {$1200.00} on XX/XX/2019. 

3. However, due to an error on their side, they issued another credit balance refund check for {$1200.00} on XX/XX/2019. 

4. We again called AMEX customer service to inform that they need to cancel this check and credit the amount to our account.

5. However, as of date, in spite of multiple calls, and after AMEX agreed to cancel the check and issue a credit, AMEX has not done the needful and our account still shows balance of {$1200.00} + fines and late fees. 

6. AMEX has now threatened to report me to credit agencies and also have reduced my spending limit. 

Please see attachments : 1. Issue Transactions - Screenshot showing credit balance refund and credit transactions made on my account by AMEX. 
2. Interest and Late Fees Charged XX/XX/XXXX to XX/XX/XXXX. 
3. Interest and Late Fees Charged XX/XX/XXXX to XX/XX/XXXX. 
4. Notification of Credit Limit Reduction. 
5. Reporting to Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to have XXXX, XXXX, and TransUnion ( XXXX XXXX ) update my credit reports for creditors XXXX XXXX XXXX XXXX ( credit card ) and XXXX XXXX XXXX XXXX ( auto loan ) to current and correct data. I have disputed these creditors at least four ( 4 ) times in the last three ( 3 ) months. They keep sending me credit report updates that state, " Results : DISPUTED INFORMATION UPDATED ; ( OR ) DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. '' After reviewing credit reports, the information is still unchanged. 

The following creditors have been disputed with NO updates on credit reports : Creditor 1 : XXXX Bank XXXX XXXX XXXX ; Dates disputed : XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX. 
Dispute : XXXX XXXX and XXXX XXXX payments not " 30 days late. '' ( Actually confirmed with XXXX XXXX XXXX XXXX XXXX that they ARE NOT late. ) Creditor 2 : XXXX XXXX XXXX XXXX ; Dates disputed : XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX. Dispute : Data entry is not current/correct.
Product: Debt collection

Someone stole my personal information and identity to open an account with XXXX XXXX. The account is an unauthorized and fraudulent account with Affiliated Credit Services. I have never applied for an account with XXXX XXXX. I have been receiving harassing, threatening and death threats telephone calls from Affiliated Credit Services in regards to a debt of {$240.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.