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

the credit bureaus are not reporting the same information about accounts listed on my credit report. 
XXXX shows my XXXX XXXX XXXX XXXX account has an different monthly payment and balance then is listed Tranunion and XXXX. 

XXXX reports on my XXXX XXXX XXXX XXXX XXXX that it is open and that consumer pays as agreed. Transunion and XXXX  reports this account as closed and delequint. 

XXXX reports a different balance on my XXXX XXXX XXXX, then the other XXXX reporting agencies. 

transunion reports dept. of ed/XXXX  as a closed account the other XXXX reports it as opened.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX, Experian and XXXX credit reports and I can see accounts reporting inaccurately. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Consumer Loan

add to complaint XXXX XXXX Titlemax XXXX XX/XX/XXXX On XX/XX/XXXX Titlemax sent a repossession agent to my home. 
The XX/XX/XXXX XXXX XXXX that was repossessed contained personal property that was NOT on the TitleMAx loan. Also the repossession agent is in direct violation of the below Texas XXXX. 

The tow truck operator must send the registered owner a notice by certified mail, return receipt, within XXXX days of the repossession. Texas Occupations XXXX XXXX. This notice has to explain the daily vehicle storage rate, the first day on which storage charges are calculated, the type and amount of any other charges to be paid when the vehicle is claimed ( such as personal property fees XXXX, and the facility 's operating hours. Texas Occupations XXXX XXXX. 

The list of inventory taken with the XX/XX/XXXX XXXX liberty XXXX. XXXX XXXX Boxes full of tools. 
XXXX. Battery charger, car start kit XXXX. Documents, Forms XXXX. XXXX jumper cables XXXX. XXXX pair of sun glasses
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Flagship  Credit Acceptance Corporation :  I have been an account holder sin ce 2014  and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I hav e two late p ayments on the above referenced account that date back  to 2014    since that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the las t two  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on   XXXX   XXXX   my last month of   XXXX  no  pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope tha t Flagship Credit Acceptance is willing to work with m e on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers. Flagship has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.      May Flagsh  ip  please remove all negative remarks off my credit report. In good faith.       Sincerely,
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 items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items 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 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

This letter serves as a formal demand for the immediate removal of the following inaccurate items from my credit report :
Product: Money transfer, virtual currency, or money service

Hi guys, re : CoinBase.com Opened an account today ( X/XX/2018 ) and verified with my passport and linked my accounts. Made my first test purchase for {$100.00} and all was ok and had the purchased Bitcoin in the account with them.

Later on, I went to add my personal home address to the account section of their site and when I did this and pressed save, it redirected me straight away to an account closure page for simply no reason. The account is locked and I now have to extract the money somehow from them.

After trying to contact them with no luck and also reading through what seems like an endless number of cases of the same thing happening online I wanted to file a complaint.

I appreciate your help where possible.

Sincerely Their note as below : " Unfortunately we have had to close your Coinbase account. Before your account can be closed, you will need to withdraw your funds to an external wallet and any other funds to an attached bank account. Please be sure to delete any references to digital currency addresses generated by Coinbase, as funds sent to those addresses will not be retrievable once the account is closed. If you have any questions you may visit https : //support.coinbase.com. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my credit card account in XXXX was issued another in account in XXXX. The account that was close had {$43.00} credit new account with renewal fee open at {$49.00} which never received the bill because I never access the card XXXX. XXXX XXXX reported I was 30 days late on {$49.00}, I called explaining that on the close account I have a {$43.00} credit. Can you please add it to the new account and I owe you seven dollars they refused closed my account ruin my credit score I attempted to fax their fax machine for a goodwill adjustment. One of their employees stated their fax machine have been down from XXXX XXXX XXXX XXXX, and was re-working sometime in XXXX, I still have two bills that I just received in XXXX saying {$49.00} I owe one bill saying {$43.00} credit. They have ruined my credit I lost XXXX and something points and theyre continually reporting XXXX XXXX late on my credit report then they will re-reset and re-report a XXXX, XXXX I can not contact you because I do not have an open account. They are violating the FRC rules and I need to be compensated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Inquiries reporting on to my consumer report, reporting that I inquired about a car from several loan companies. I do not recognize any of the listed inquiries EXCEPT FOR XXXX XXXX. I OPENED A CAR LOAN WITH XXXX XXXX BUT I DO NOT RECOGNIZE ANY OF THE LISTED INQUIRIES : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I, hereby opt out of all third-party companies of consumer reporting agencies such as XXXX, XXXX and TransUnion to disclose information such as my student loan and credit card information such as : XXXX ) SLOAN/NELNET SERVICES Account Type XXXX Student Loan XXXX ) SYNCB/PPC Account Type : Credit Card XXXX ) US TREASURY-FNCL XXXX Account Type : XXXX Account XXXX ) MOHELA/DEPT OF XXXX Account Type : Student Loan I have not given them full authorization to disclose any of my information of student loans. Please do immediately remove all student loan and credit card accounts listed on non-affiliated third party companies of XXXX, XXXX and TransUnion Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option Thank you for assisting me on this crucial request and I hope to hear form you within 4-10 business days.
Product: Debt collection

I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Below is the contact information. 

CAC FINANCIAL CORP Original creditor : XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX XXXX Balance on XX/XX/XXXX Original balance {$120.00} {$120.00} Payment Info Original balance {$120.00} Balance {$120.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX OKLAHOMA XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Product: Vehicle loan or lease

XXXX of 2020 I didnt receive the usual bill in the mail, I guess it was sent to the wrong house, and with coronavirus raging on the news I had other more pressing worries on my mind, however payment was sent but it was reported as late. It was the only time I had a late payment reported on my loan and this has deeply affected my credit score.
Product: Mortgage

In XXXX I inquired with Wells Fargo mortgage about a forbearance. I was told due to the current pandemic, I do not have to pay for 3 months and towards the end of the 3 months, a Wells Fargo specialist would work with me to get these 3 missed payments, either at the end of the loan or break up payments and pay monthly in addition to my regular scheduled payment. But not to worry as something would be worked out. 
After I reached out stating I can resume payments and over a month of answering questions and providing paperwork, the only option they gave me was a short sale. I owe only XXXX. I have since been paying my regular scheduled payments. I will not short sale the home. It being such a small amount, I was ensured by multiple specialist this would not be an option. I owe a total of XXXX on the home. I can sell it, if I wanted, for XXXX, make money off it and pay back the XXXX, so a short sale would be silly. 
I am so disheartened that I was deceived from the beginning. I was told worse case scenario is that I would not be approved ( loan modification ) but almost every one is. 
I wouldve found a way to pay if I was not told this. 
It is only XXXX, why wont they break it up or place at the end of the loan? Its not a lot of money. Isnt the Cares Act supposed to help people like me, willing to work it out and pay back what is owed? Not short sale my home for a XXXX default? Im so upset I dont know what to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$2500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and notice multiple errors. Please remove all other addresses off my credit report as they are not deliverable to me by the US Postal service. 

My name is XXXX XXXX. Please delete all other alias or names that you may have they're incorrect. 

My correct phone number is XXXX. Please delete all inaccuracies associated with my phone number. 

My current address is XXXX XXXX XXXX XXXX XXXX TX, XXXX Please delete the following incorrect addresses XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX NY XXXX I also request a free copy of my credit report with the correct and updated information as listed above to my current address. 

Thank you
Product: Money transfer, virtual currency, or money service

I tranfer money using XXXX  a total of XXXX and the receipient did not received it. So I try again and was not received. Then I try with XXXX dollar and same thing kept happening. I call the bank XXXX and created a ticket and I was given a reference # and was told they would look into it. Its been XXXX   days and still I havent gotten my refund. 

Date of tranfer was XX/XX/XXXX for a total of {$400.00}
Product: Consumer Loan

On XXXX XXXX my vehicle was involved in an accident. I notified Credit Acceptance of this and continued to check back in with them to keep them updated on the situation. I received a call on XXXX XXXX from Credit Acceptance and they requested payment which was not due to XXXX plus towing fees because they stated I abandon the vehicle, therefore they went and got it and charged me with the fees. First, I never abandon the vehicle I have a paper trial with the company from the day that this begin and has informed them of every action that I am taking. For the last month they have stated that because I " abandon '' the vehicle and they are the lien holder, they went in got the vehicle from towing yard because the vehicle was incurring fees by sitting in the yard, I was aware of that, I called them and told them that. I spoke with several agent about this issue and they all reviewed the notes and agreed that is why they picked up the vehicle, around XXXX XXXX I Spoke with a agent by the name of XXXX and she stated to me that someone at their company went in and place the abandon status on the vehicle and that is what cause them to tow the vehicle. That is what concerns me the most, Each time that I have reached out to them about this issue, Credit Acceptance has given me the run around and I am exhausted from dealing with this, Please assist me with issue.
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter in the mail today ( XX/XX/XXXX ) regarding a credit denial for a loan that I did not apply for. I called and spoke with XXXX XXXX and she stated I applied for a loan online on XX/XX/XXXX and it was incomplete. They made their credit decision based on an incomplete application. They marked the denial reason as delinquent accounts on my credit profile.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi, I had a Chase debit card need to renew in XX/XX/XXXX this year. But I did not received an information from Chase before I contact Chase. They did not inform me that a new card sent to me or mail the new debit to me directly. I had to contact to Chase by phone on XX/XX/XXXX for asking for renew card, they said the new should be arrived within one week. After contacted them, I also got a email confirmation that the new debit card would be sent out on XX/XX/XXXX, but I did not received the new card before XX/XX/XXXX, I called them again Chase customer service said they just sent the new card out, I should received it next week. But I did not received it in next week. I had to contact them again by secure message through Chase bank system on XX/XX/XXXX and XX/XX/XXXX, but no one answer me. Today is XX/XX/XXXX, I still do not received my new debit card or received any information from Chase. That means I have Chase account, but I do not have Chase debit card, how can I do deposit on Chase ATM? I only have to go to Chase field branch 's counter to do this. I think this is bad experience with Chase service.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I called XXXX, XXXX and Equifax after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, STATE OF MDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$25000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$44000.00}, XXXX XXXX BANK XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. A copy of my Driver 's License, Proof of Address and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXX XXXX and Equifax not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit on XXXX through synchrony bank. they approved my card and I even used it. They then send me a letter saying that they could not assign the credit limit they approved because my credit score from XXXX XXXX is XXXX. This is over 200 points off from any of the other credit bureaus. if you look into this company, they have been teaming up with banks and giving tons of people incorrect scores so that the bank can charge you more interest. If you try to request a report, they require you to send them copies of your personally indentifiable information such as passport, license, social security card. They have incorrect information, and there is no way to fix it with them. Please do something. XXXX it yourself, there are millions of people reporting to you and to the FTC because this company is blatantly scamming people under your watch. 



Thank you
Product: Debt collection

XXXXComenity Bank They will start calling first thing at XXXX then the calls are repeated every hour or numerous times each hour. I would say it started on XXXX. I have tried to talk to the company and let them know when I would send a payment in but the phone calls wont stop even though I have spoken to a representive, Im just like I just talked to someone from the company why are they still calling non stop. I know Im over due with my account/ Bill but now the calls are becoming harassing/ annoying in where I cant sleep.