23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I created a TransUnion account and logged in on XX/XX/2020 to try to access my one free annual credit report. I looked at different pages on the website, could not find where or how to access my free report, and logged out and left the website. I did not click to purchase anything. 

I then received an email on the same day, XX/XX/2020, with a receipt for a subscription product -- I was billed an initial charge of {$24.00}, and the email says I would be billed that amount monthly. The product I was billed for was " TransUnion Report, Score, and XXXX-Bureau Credit Monitoring. '' I did not purchase this, nor do I want this service. 

I tried calling customer service to dispute this claim on Sunday XX/XX/2020, but their hours are Monday-Friday only. I called twice at different times on Monday XX/XX/2020, and heard an automated message with instructions on how to cancel my subscription by logging into my TransUnion account ( which I did ). Both times I called, I was told by an automated message that no representative was available to take my call. I was not given the option to remain on hold or provide a call-back number, the call was simply terminated both times. 

I would like to dispute the charge of {$24.00} I was billed, since I did NOT purchase this service. Thank you for your assistance.
Product: Debt collection

I am a victim of identity theft. The company MIDLAND CREDIT MANAGEMENT, claim to have miss placed or have not received my FTC report after being sent though fax and mail several times. The accounts are still on my report and affecting my progress of purchasing a home for my family. I am depressed and stressed by the lack of empathy with each representative I have spoken to. They either transfer me five or six times, give me other numbers to call and act as if they are not able to assist even when the fraud department handle fraud
Product: Credit card

For the billing period from XX/XX/XXXX to XX/XX/XXXX balance {$1900.00} I paid in full on the due date, XX/XX/XXXX. I still got charged an interest of {$23.00}. 
Called Chase customer service on XX/XX/XXXX, when asked why did I get charged interest when I paid in full, I got referred to 2 people who kept on referring back to statements from XXXX XXXX which have been paid off. They also kept saying that I am owing around {$2000.00} which was not reflected in my original statement that was due on XX/XX/XXXX. These customer representatives could not provide me with where the residual interest came from when I paid in full for last billing cycle and billing cycle billed on XX/XX/XXXX. 

At the back of my credit card statement " If you pay your account in full each billing period by the date and time due, no interest is charged on purchases month to month. '' This is what I did. I paid in full on the due date. Why would I be charged residual interest?
Product: Mortgage

Received an XXXX report today dated XX/XX/XXXX  & verified as accurate. Shows a XXXX payment of {$1100.00} but a scheduled payment amount of {$1200.00}!! Also shows a terms Duration of 30 months! 
Fay REFUSES to provide me with accurate account information sent to my address. I was NEVER notified of an increase in the monthly payment. I have NO POSSIBLE WAY TO MANAGE THIS ACCOUNT WITHOUT FULL DISCLOSURE OF ACCOUNT INFORMATION!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  FINANCE with an account ending in # XXXX, has violated my rights and the law. All 3 Credit Bureaus XXXX XXXX, Equifax XXXX XXXX ) have also violated my rights and therefore the law by refusing to do a true investigation that provides me with the copy of transaction records such as applications for credit and all the information that validated the above account and any another. The information and history and personal data must all match and also be given to me within the allotted time according to the law, or the account must be deleted. 

( I've disputed and called over 7 times while being denied and lied to about the laws and process ) FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) - 15 U.S.C 1681 section 602 A - 15 U.S.C 1681 section 604 A - 15 U.S.C 1666B : The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. 

A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another persons identification. For example, if your business opened a cell phone account in the victims name or extended credit to someone misusing the victims identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victims behalf.

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. ** Below are the sections that make it very clear ** 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 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a withdrawal of XXXX BTC out of my BTC Vault ( held in " cold storage '' by Coinbase.com ) to my BTC Wallet. This requires " multi-factor authentication '' that requires me to initiate the withdrawal after logging into my account, to confirm via an SMS code, clicking through an authentication link on my personal email, and clicking through an authentication link on my work email address. Due to me no longer being employed with my current firm, I no longer have access to work email address. Coinbase.com does not allow for the secondary email to be changed. 

After XXXX emails and a number of support tickets through XX/XX/XXXX, submitted by me to Coinbase, Coinbase has not responded with the exception of automated emails. The automated emails do not provide resolution and are redundant.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is apparent you do NOT read the Replies. Do the Defendants Pay your Wages? I am under the Impression Taxpayers support this agency. There is quite a deficiency here. 
I am, again, continuing with the abuse directed at me by the hands of Lexis Nexis. In  reference to the dismissal as I was a XXXX, XXXX. I am appalled you accepted this and Dismissed the case. I responded as Feedback the TRUTH, I tried to add Documents, FAILURE. I CALLED THE NEXT DAY. I was instructed to Fax Documents. After 2.5 HRS, I called again and was told to file another Complaint. Here we GO! 
The first page with all the NUMBERS are the RECORD of the Times I contacted Lexis Nexis. The Reply states no data without the ( silly implied ) surname does not appear  withing the " FIXED and Repaired, all better NOW Reports ''. The names on some of these Internet Providers are my Father 's. My Wages of XXXX ARE NOT MINE! To fix this is a LIFE THREATENING situation. Ask me, I 'll tell you why I must Fix this False Reporting. Some of the Phone Numbers listed as MY FATHER '' S are Mine! Lexis Nexis and I 've been over all these DETAILS more than thrice. I see this as DELIBERATE! I was told my Father 's name as my own was gathered from a REPORT from XXXX XXXX OHIO. I contacted XXXX XXXX, the Copy is attached. My name of XXXX XXXX is on there. I contacted the Attorney of Record, the Copies are attached. My name of XXXX XXXX is on there, both times. The copies from the Attorney Cost me {$25.00}. I am billing Lexis Nexis for this. I am XXXX XXXX ONLY. No AKA 's are Legal!
Product: Debt collection

Sunrise Assessment services repeatedly made numerous collection violations and errors in their collection practice by failing to properly notify of attempted debit collection by Sunrise Assessment services to the proper party. Sunrise failed at any attempts to ensure accurate records of party 's contact information and address in order to make proper notification and attempts of debit collection. 

Additionally it is believed Sunrise Assessment services illegally disclosed and discussed debit matters with persons other than parties pertaining to claimed debit.
Product: Payday loan, title loan, or personal loan

From start of loan, my first payment I tried to make I could not get my bank account to link with their website. When I called in to make a payment I was told my debit card was not active in their system so I could not make a payment with my debit card. a week or so later i call and try to pay again now that I have a late charge. And then, that day my debit card was active in their system and I was able to make a payment. Next months payment was the same thing and month after. I Literally was only ALLOWED by upstart to pay with my debit card over the phone until AFTER I incurred a late charge. They had the ability to go into the system and turn the use of my debit card on and off but would not allow me to pay on time or early causing me to incur later charges and the worst part hits on my credit report each time. I have not been able to purchase a home due to these marks on my report when I clearly tried to pay on time every month but was denied the right to use my debit card until it was past 30 days late. This is appalling and down right criminal. My lifes progress and stability has been hindered by the pure greediness of this company.
Product: Debt collection

I contacted the debt collection agency in an attempt to settle a debt. We came to an agreement that once the amount was paid and posted the company would delete the Tradelines from my credit report on all credit reporting platforms. My bank account shows this account was satisfied on XX/XX/202, I just pulled my credit report an the above mentions were still being reported on my credit report, however it states that the account were paid in full for less than full amount. They took the money immediately and took XXXX weeks to send a notice that they received the money. So they took the money but forgot to delete the Tradelines as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an inaccurate account on my credit report. I sent a letter to the company XXXX asking them to validate the account in which they couldn't so XXXX and XXXX removed it from my credit report. I am having a hard time believing that TransUnion conducted an investigation because if they did, they would have known that the company was not able to validate the debt and that they are not licensed in the state of Texas to collect debt. This is a violation of the FCRA, and I am liable for compensation. At this time, I am only asking for the deletion of the inaccurate account. If I have to take legal action, I will be pursuing {$1000.00} per violation. Please see the attached documents of the dispute letter and my credit report showing that Transunion is the only credit reporting agency that has yet to remove this inaccurate account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Amount reported- {$4500.00} The account information and payment information are not correct I did not open my account on XX/XX/XXXX, is not correct information account was open XXXX XXXX it stated the charge of date was XXXX which is incorrect, also have missing payment from XX/XX/XXXX, XX/XX/XXXX no data available per my credit report- If your data furnisher provided with this information, you would have accurate information. 
It's been over 90 days that this account is being disputed, you legally did not provide any proof and still updated my credit report incorrectly. 

The consumer reporting agencies need to report all information with complete accuracy, The following XXXX XXXX accounts have been reporting inaccurately. 

This is my 4th request with no updates no answer and you keep updating incorrect information on my credit report. You have not responded to my previous request and keep updating information wrong every time. 

Remove this account off my credit report you have not investigated or updated information on my credit report correctly, I have asked for you to update my credit report accurately and it's been more than 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent in a dispute to XXXX XXXX XXXX regarding a collection that was placed on my report. I asked for the original contract stating where I signed with my signature proving that they owe the debt they say I owe. Instead of sending me back what I asked for, they sent me a statement instead. I requested for validation not verification. Furthermore, when reading the letter- I came across multiple violations that this company has endured. 

1. They have listed the interest due and balance due. Under 15 USC 1692 F ( 1 ) states ( 1 ) it is a violation to collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

2. Furthermore, under 15 USC 1692 F it states that it is a violation to state the consumer owes any such debt. In the letter that was sent, it reads, " this communication from a debt collector is an attempt to collect a debt, and any information obtained will be used for that purpose. '' 3. In addition to, they have also included a logo/letterhead which according to 15 USC 1692 B ( 5 ) is a violation as well. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; This is more than one violation that has occurred. I am seeking litigation if this account is not removed. 

ACCOUNT NUMBER :
Product: Credit card

I had misplaced/lost my citi credit card and promptly reported this ( online to block the account ) and called the customer service on XXXX XXXX, 2015. I was informed that I would be receiving a new card in XXXX days. In addition, was given some bull about the card, which I know for a fact to be untrue. On pressing for additional details, the agent clammed up. 
I called back on XXXX XXXX to inquire about the status. The rep ordered an additional card ( which I did not ask for, all I wanted to know was the status ). 
Been 14 days since the XXXX report ( call ) and 7 days since the XXXX and no card yet. Called again today, XXXX XXXX and was asked by the rep if I would like to close my account. 
Been a citibank customer for over 7 years and this is the XXXX time that I 've faced such an issue with the card not being sent out and jerked around by the call center reps. 
It 's getting increasingly difficult to deal with call center employees who do not understand/care, do not give a straightforward answer and cause additional hassle, after getting through the IVR and waiting on queue to speak to a human being with the expectation that the problem will be solved.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) regarding my credit report dispute. Specifically : 1. They did not conduct a reasonable reinvestigation of the disputed information 2. This has resulted in inaccurate and unverifiable accounts remaining unresolved 3. Their handling of my case aligns with the systemic issues identified in the CFPB 's recent lawsuit against XXXX, including : - Failure to properly forward consumer-provided evidence - Acceptance of unreliable responses - Inadequate notification to consumers about dispute outcomes Despite multiple attempts to resolve this issue via phone, XXXX has neither corrected nor removed the disputed information from my report. This continues to impact my credit standing negatively. 
Disputed XXXX XXXX  has outdated and incorrect information and should be positive standinXXXX XXXX XXXX  Accounts should not be showing negative XXXX XXXX XXXX XXXX were not properly investigated XXXX Account is reported negative and should be updated
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX in Maryland. I felt pressured by the salesman into buying a vehicle that day. Every time I tried to end negotiations I was told that the incentives were ending that day and that it would only be minutes for the manager and finance office to complete the sale. I was eventually there for XXXX hours. At contract signing, the finance manager added on an extended vehicle warranty, wheel and tire warranty, and a XXXX insurance policy with Toyota Motor Services , Inc. I did not request those add-ons and when I stated that I did not want them, I was told that it was required by the lien holder that I have those products in order to receive the auto loan. I was pressured into signing the sales agreement with terms that I did not agree to. I later attempted to cancel the warranties ( provided by Toyota Motor Services , Inc. ), but was told by Toyota Motor Services , Inc. that my car payment would remain the same, even if I canceled the nearly {$10000.00} in warranties. I was forced to keep warranties that I did not request or want. 

Then, on XX/XX/XXXX the vehicle was totaled in a collision. My auto insurance company promptly paid their portion of the total loss claim. However, Toyota Motor Services , Inc. has repeatedly impeded the completion of vehicle pay-off by giving me false information regarding deadlines, coverage amounts, and actions taken to settle my total loss claim. Toyota Motor Services , Inc. sent me a check list of documents needed for claim processing, but kept asserting that the documents were not received, and requested additional documents not previously requested. I attempted to fax documents 11 times but could not get through. I was told that their fax machine was working but was " not compatible will some fax machines ''. I then sent documents by XXXX and through a commercial fax service. I spent about {$90.00} in total getting documents to Toyota Motor Services , Inc. The company still claimed not to have received them ( until I produced delivery receipts ). To date, they are refusing to pay the full remaining balance of the vehicle, as agreed upon, citing vehicle depreciation that was already deducted from the vehicle evaluation and payment from my auto insurance company. They are also erroneously claiming that I had late and missed auto loan payments. When I call their office in XXXX, TX, I get conflicting statements as to whether the artificially deflated pay-off check has been sent to my lien holder . I was eventually told that it was mailed by standard XXXX mail, but then told that the check was pending approval. I have continuously been denied phone transfers to speak with a supervisor or manager. We are midway to the 90-day cut-off for my claim, and Toyoyta Motors, Inc. has yet to honor the terms of our agreement that I was forced to sign.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus12-08-22 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about a collection on my credit file that was initially listed as being from XXXX XXXX XXXX with a balance of {$120.00} and had a status of UNPAIDthen after contacting the company requesting proof of the account and threatening legal action the account was then updated to PAID with a XXXX balance. However this does not fix the problem that the account never should have been on my report in the first place. I already spoke with a supervisor named XXXX XXXX who then provided information that was completely wrong, so I contacted XXXX XXXX directly and had them provide the entire statement history of my account in order to show that the amounts and dates they were claimed were factually incorrect. I have uploaded that information directly to Equifax as they requested it however just in case they try to claim they didnt receive it I am including it here along with proof of the fax being received. This is a direct violation of federal law since they claimed to have verified the information as accurate despite it not being so. 

Both Date of Last payment and Amount of Last payment are both incorrect and therefore the account should be deleted immediately. 

XXXX XXXX XXXX Account number : XXXX Original Amount : {$120.00} Last Payment Date : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$3600.00}