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

I have created an account on Transunion website where they are supposed to make a credit report available for free. Despite multiple attempts that included the following I am not able to access my free credit report. Calls to their customer support don't lead to a live agent but endless menus and are terminated with a message stating that a report will be mailed to me. 

1. I complained to Transunion on XXXX that I couldn't access my credit report. 
2. Transunion customer support asked me to use different browsers, clear browser cache etc that didnt work. 
3. Transunion deleted my account and asked me to create a new one. That didnt work I still kept on getting the " we are unable to complete your request online '' error 4. After multiple pleas to Transunion customer support on XXXX they provided XXXX phone number. When I called this it consisted of numerous long sales pitches for their product which I declines. After I got " let me get you someone who can help '' prompt the call jumped again to the main menu.
Product: Mortgage

I am very close to paying off my mortgage. Due to this I was trying to do the math and used for the first time the SC HOUSING, on line mortgage information, what I notice was that the math was not adding up. 

In XXXX, 2020 I paid {$350.00} the amount due is {$320.00}, ive paid this amount for years, to reduce the principal amount, even if its a little bit. 
I had been informed many times before that any amount paid over the monthly amount it is applied towards the principal. 

In XXXX, 2020 I ' paid an additional {$500.00}. 

On my on line account I notice that the escrow amount was paid twice, I called to inquire. 

The explanation I received varied, it was the computer, we applied it to future payments, you needed to inform us how you want the excess payment applied, etc. 

When I repeated what I was understanding the conversation came back around. On this day I was also informed more than once that the excess payment would be applied to the principal. 

I was utterly frustrated and amaze that my intelligence was totally not considered, this conversation was the same with the cashier and the manager. 

At this point I requested a history of all payments made and their breakdown. 

I now do not trust this agency because their actions are showing self interest, and I am concern because I don't believe i have the true balance of my mortgage and I believe that I may have paid interest on this loan that I should not have. 


.
Product: Credit card or prepaid card

I have Price Protection on my credit card XXXX through XXXX XXXX XXXX XXXX, address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX. I have submitted over 12+ claims this year with no problem. I submitted a claim for $ 20+ and had not received the funds, I also received a notice from my bank that one of the checks from the Price Protection was returned as unauthorized and that I would be charged a {$10.00} fee for a {$4.00} check. I called the Price Protection customer service, spoke XXXX on XX/XX/XXXX. She shared with me that I now needed to include my credit card statement showing that the charge on my receipt actually occurred as of late XX/XX/XXXX update of procedures. I had not received previous notice on this nor was it indicated when I filed my claim. She also shared that the check for {$4.00} was issued and then reversed, no explanation for it except she would look into getting my {$10.00} fee for a {$4.00} check refunded to me if I would send her a copy of the letter from my bank with a copy of the check showing that it was returned. I had not retained a copy of the claim for {$20.00} and it was no longer available for me on line. In the interim I did find that the item I purchased for the {$20.00} claim is now {$39.00} lower. I submitted my bank fee letter and the new claim for {$39.00} to XXXX 's attention per her instructions electronically in XX/XX/XXXX. I was told to given them 2-5 business days from receipt for them to process. I called onXX/XX/XXXX to determine where my refund is for bank fee and why had I not received the payment for the {$39.00}. I spoke to XXXX who advised me that my claim had gone for review and now it 's under management review, give them 5 more business days, she had no information on my bank fee reimbursement. I called today XX/XX/XXXX, spoke to XXXX who advised me nothing on my bank fee reimbursement and since it 's the weekend she does not have an update. I would need to follow-up during the business week even though they are noted as a 24 hour operation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a charged off collection to my account. However I never opened this account and it is not mine, not to mention it is past the statute in Utah. I would like this account removed as it is fraudulent and should not be on my credit.
Product: Debt collection

We received a debt collection letter from Credence debt collectors that said we owed XXXX a final payment when we closed that account. We changed our service from XXXX bundled with XXXX  internet service on XX/XX/XXXX. We paid {$170.00} to the combined internet/XXXX  charge, of which {$130.00} was our last payment to XXXX. It was paid XX/XX/XXXX, posted XX/XX/XXXX to that combined company account. We repeatedly called both XXXX and XXXX to resolve getting that final payment posted correctly when we kept getting emails that it was past due. The problem is with how XXXX XXXX XXXX, XXXX and XXXX XXXX systems are being integrated. 

Actions : XX/XX/XXXX : Talked to XXXX XXXX. He said we were paid through XX/XX/XXXX and it takes 1 billing cycle to unbundled the services. If we called XXXX to cancel before that, they would credit back any unused days. 

XX/XX/XXXX : Talked to XXXX. XXXX. We canceled our service on this day. She said our service with XXXX would end at XXXX XXXX  on XX/XX/XXXX. She said the account was being converted to the new XXXX XXXX XXXX/XXXX  system so the payment was not yet posted for XXXX. 

XX/XX/XXXX : Talked to XXXX. XXXX -- XXXX. After receiving a bill from XXXX, we called to see what is happening. He had to find our new account number after he could not find our previous XXXX/XXXX  account number. He said he could see our payment of {$130.00} in their system and it would be posted once they converted their system. He confirmed that he could see our cancellation order and that we should not be billed any further. 

XX/XX/XXXX, XXXX XXXX Talked to XXXX ( employee # XXXX ). XXXX. We did not receive a confirmation that the payment was made to XXXX so called to confirm. XXXX said there was an entire XXXX team to help with conversion, and I needed to talk to the combined billing department. 

XX/XX/XXXX, XXXX XXXX. XXXX. Talked to XXXX later that same day. He transferred me to combined billing department. I talked to XXXX  ( employee # XXXX ) who said the payment transfers are still in progress from the old system to the new system. Once the system updates, she confirmed that the payment was there, and it would be applied. She said to stop calling, and I do not have to worry, she sees all my calls on the account notes. She said to ignore the bills that will continue because she can see the payment is there. 

This is not a collection account. XXXX/XXXX XXXX XXXX can not get their system corrected. If you listen to the recorded transcript of my conversation with XXXX, she is actually annoyed that I continued to call about this. We have been XXXX customers since XXXX, never once with a late payment in 20 years and did everything we could to make this payment correctly.
Product: Credit card or prepaid card

Before the end of 2018, them my fianc and I changed, partly due to my identity was stolen and issues with our bank which is another story. So when I set up the auto pay feature on this account because we have two accounts with our bank, I mistakingly flubbed up the account numbers and I got them confused so I bit some pieces from each account number in the other one and it took a month or two to figure out why the payments werent going through, which leads me to now, twice in XXXX I called and we figured out that the account number was one digit off I was told that it was changed in the auto pay, and I was good to go, so the auto pay happens does not make the total minimum amount due only pays XXXX dollars when it shouldve been XXXX and I had been trying for at least two months to call and change the account number from the payment account and I was told it was done hum, and then the payment still werent going through, that disable the auto pay without being told it was XXXX therefore it wasnt automatically making payments, - I call just several days ago and still have not heard anything back of whats going on and now that you have marked our credit report as delinquent and they are the ones flubbing it up now - It is not our fault that the auto pay did not work as it should - What sport the original phone call was I tried to make a payment online and it wouldnt let me I have a screenshot of that as well that I will include
Product: Debt collection

Yet again after many failed attempts at contacting this company I am forced to file a complaint. The balance due on this account is inaccurate, I have proof of all payments made since agreement finalized in XX/XX/2020, called the company, emailed the company through their website and have not heard a word. I even emailed them attempting to make a settlement offer and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XX/XX/XXXXXXXX XXXX : XXXX XXXX Experian Names : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX Employers : XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XX/XX/scrub>/2024, I mailed GM Financial to request a copy of the original Retail Installment Sales Contract or Lease Agreement and Buyers Order associated with the sale and financing/leasing of this vehicle. Please include any arbitration provisions. and I also request a copy of the Credit Application. I have not received it.
Product: Debt collection

I originally opened a credit card account with First National Bank of Omaha more than 10 years ago, but due to financial hardships, I could not afford to make payments anymore, and the account was closed around XXXX or XXXX. The debt was transferred to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX. I received a letter from this law firm stating that I owe them a total of {$11000.00}. I attempted to contact them by writing a letter asking for the original contract from First National Bank of Omaha, the amount owed at the time the account was closed, and the date the account was closed. This law firm never responded to my request. Instead, they received a judgment from the Levying officer, Sheriffs Department XXXX XXXX, and attempted to withdraw {$11000.00} from my XXXX XXXX joint mortgage checking account I have with my Wife in XXXX. My bank denied their request for the total amount, but did grant a withdrawal of {$580.00} from this account. I scheduled a court date to have a claim of exemption because I could not afford to pay the amount they say I owe to due a financial hardship. During this appearance, I told the court this, and also told the court that I mailed a letter to the law firm requesting for information pertaining to this debt but did not receive a response. The law firm told the court they never received my letter ( I still have a copy of the letter as well as the reciept and post post marked date the letter was mailed ). Therefore, the judge denied my claim of exemption. As a result of this, my Wife and I had to cancel our XXXX XXXX mortgage account, for fear that the law firm would take out more money which would have prevented us from paying our mortgage, and ultimately causing our mortgage to go into default. 

Most recently, I was notified from my current employer in XXXX of XXXX that the Levying officer of XXXX received a judgment from the court to garnish my wages effectively immediately, and now 20 % of my bi-weekly wages are being garnished, which has really put me into an even deeper financial hardship. I can not afford a lawyer to represent me, and my hope is that the CFPB can look into my situation and help me determine if the debt amount is valid of not. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a second home and the loan from my current home is showing late payments and inaccurate information regarding a bankruptcy that i had in XXXX, it shows Bankruptcy was in XXXX. There has never been late payments for this mortgage and bank of America wants me to fill out reaffirmation paperwork which is not allowed in the state of Arizona. Since this loan was not reaffirmed after the bankruptcy it is not even supposed to show up on my credit reports. XXXX and XXXX do not show this but XXXX is showing this inaccurate information. I have spoke with XXXX and they have filed a dispute for me, but Bank of America keeps wanting me to hire a lawyer to reopen my bankruptcy to fill out reaffirmation paperwork but my lawyer says that is not possible. Bank of America states that I have made all my payments and on time but seen to be dragging their feet in correcting the matter. I have been on a 3 way call with them and XXXX but no resolve to the situation. Time is of the essence since I will lose the house and my earnest money on XXXX XXXX if this is not removed from my credit report with XXXX.
Product: Credit reporting

All XXXX credit bureaus are reporting a " student loan '' showing as the US Dept. of Education. Through investigation from US Dept. of Education XXXX the account was sold to XXXX - then after it was sold to a debt buyer " XXXX XXXX '' the account was paid in full by the IRS. The debt buyer XXXX XXXX is illegally misrepresenting themselves and not only showing the balance is still owed but by also falsifying their name as being the US Dept. of Education to illegally report. Debt buyers per the FTC in regards to FDCPA can not report on credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX and XXXX XXXX XXXX # XXXX have all violated my rights as a consumer.

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

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written consent
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accurate : Experian : XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX : XXXX XXXX XXXX XXXXXXXX - XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I made a domestic transfer with XXXX cash bank to my Chime debit account in the amount of {$11000.00}. Chime declined the transaction and Reversed it back to XXXX  cash. XXXX  cash is telling me since it was sent as a merchant refund they cant locate it. Chime needs to send reversal transcript information with the tracing information and Ref number. Neither is trying to help me out and give me a hard time. Ive been missing XXXX dollars for the last 2 years Ive worked hard to save up for. Can somebody please make XXXX XXXX  or chime locate the proper information that I need to recover my transfer.
Product: Vehicle loan or lease

GM Financials representative on the phone when I just called on XX/XX/XXXX told me their are issues within their app to manage a vehicle loan and I am being penalized for this. 
On XX/XX/XXXX I made a payment of XXXX - apparently this was never taken yet shows processed successfully in their app. Then I received a notification on XX/XX/XXXX that my account was 30+ days late when I just paid the prior week. No problem, I paid XXXX on XX/XX/XXXX. Now again on XX/XX/XXXX I made a payment of XXXX that I watched come out of my account was apparently returned and now I am being marked as 26 days late, when I have to make another payment in 10 days. I am constantly being forced to pay double every other month, pay for late fees, and have negative remarks on my Credit Report by GM financial because their app has issues ( their own words ). 
I keep processing payments which show they were successful, so why would I assume then its not paid. I am paid weekly - I do not stare at my bank account each day. What I do see is notifications from GM financial only when a payment is late, never that their payment system has issues.
Product: Debt collection

CREDIT ACCEPTANCE CORPOR has placed this on my credit and I have tried to dispute the amount with my loan officer ( XXXX XXXX ). After we sent a request to XXXX  the balance, they state I owe {$9200.00} when the high balance was {$5300.00}. Also, they sold the car in an auction thus collecting income and still saying I owe {$9200.00}. I feel they have improperly charged me, not reporting the accurate amount in hopes of me paying more than I owe which violates the Fair Credit Reporting Act, and possibly the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus four notarized dispute letters through certified mail on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for the bureau to furnish the original documents used in their method of verification for ten accounts which still remain unverified. After 30 days, each time the bureau failed to provide any documentation, instead merely saying the accounts are verified, which would be impossible to do without taking the previously addressed steps. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). Equifax, in particular, has also failed to correct my name on my credit report. XXXX continues to display variations of incorrect names of other people, and XXXX has submitted their responses late after 30 days on two occasions.
Product: Debt collection

In 2021 this debt was handled and paid in full, I do have the letter provided by this company. We had an agreement that amount owed after paying them is XXXX  yet now they have put this back on my credit after receiving payment which is why I had them put it in writing, this should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Last 4 of SSN : XXXX I have recently took a look at my credit file and was furious on what I saw and how my rights were violated. I have reached out directly to experian to remove these late payments. However I been getting the run around on how this is verified or accurate! 

Experian in Direct Violation of The Fair Credit Reporting Act ( DEPT OF EDUCATIONXXXX, ACCOUNT NUMBER : XXXX ), they violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S, C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I requested to withdraw {$120.00} via ACH to my bank account after the Binance fees {$100.00} was supposed to be deposited by ach on XX/XX/XXXX I received a email saying that my request was successful and that it takes 3 to 7 business days to arrive depending on my bank, its been 2 weeks and I still dont have my money Ive submitted support tickets and get no reply, Ive sent the CEO a email, Ive tried to contact Binance.us on all social platforms and gotten no replys, they are not accredited but I still filled a complaint with XXXX  regarding the problem, this is Ridiculous that Im having to go through all these hassles to get my money that I paid a heavy fee to get, crypto is super popular right now if this happened to me I can only imagine how many other people may be experiencing the same problems with me, Consumer finance Im begging yall to help me get my money I feel robbed by Binance.US sincerely XXXX XXXX