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

GM Financial unfairly and improperly submitted late and/or delinquent reports to the credit agencies. I made every lease payment on time or early. I had a perfect payment record. The problem came after the lease ended. GM Financial charged me {$33.00} after the lease ( for unknown reasons ), and I never received a notice of the charge. I had signed up for paperless billing and notifications, but I did not receive any notice, either electronic or by regular mail. 

The first notice I received regarding the " late '' payment was from my credit monitoring service, which let me know that my credit score had changed. Meanwhile, GM Financial had been reporting me for the " late '' payment notwithstanding the lack of notice or any attempt whatsoever to contact me, a loyal leaseholder for 3 years. My credit score has now gone from XXXX to XXXX, solely due to GM Financial 's unfair reporting. 

I have called, messaged, and texted with GM Financial to no avail the call center is not staffed appropriately, the chat help center is incompetent, and the text message service does not respond appropriately. I have also written a letter to GM Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at the time the account was opened. XXXX XXXX XXXX XXXX XXXX 
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 instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, XXXX and XXXX XXXX submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XXXX XXXX XXXX  Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

XXXX XXXX ( I never had a credit card in my life ) Commenity bank XXXX XXXX XXXX I never lived in XXXX XXXX I live in XXXX ca. I had to come all the way out here to wait at the location until an officer came to do the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the accounts XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX After sending dispute letters to Transunion, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.
Product: Mortgage

DHI Mortgage : Failure to represent 2-1 Buy Down promotion in all loan estimates -- A 2-1 buydown promotion was not reflected in any of the loan estimates provided to the buyer, despite knowledge by seller and lender from day 1 that the buydown would be an incentive for this sale.

-- As a result, all provided loan estimates ( 2 ) were misleading, and prevented the buyer from making accurate judgements on affordability and accurate comparisons to other lenders based on DHI Mortgages provided information.

-- The monetary consequence of this exclusion is that the initial Closing Disclosure stated that the cost to close was {$1900.00} higher than what was provided in the most recent loan estimate a +13.75 % increase. 

-- The lender provided a loan estimate on XX/XX/XXXX, and a 2-1 buydown subsidy payment schedule on XX/XX/XXXX. When the second loan estimate was provided on XX/XX/XXXX, the lender clearly had full knowledge of the 2-1 buydown promotional yet did not include this promotional as a variable in the loan estimate. 

-- The lender claims it could not include the 2-1 buydown in the estimation without the buydown addendum. A competent lender would have requested such an addendum from the seller in a timely manner, along with all other documents required, to accurately portray the true cost of sale to the buyer. Therefore, the buyer believes its exclusion was a conscious decision intended to mislead the buyer and make the loan offer more appealing than it truly was. 

-- It must be noted that the lender ( DHI Mortgage ) and seller agent ( DHI XXXX XXXX XXXX  XXXX XXXX ) are subsidiaries of one company, XXXX. XXXX. DHI XXXX provides buyers with seller incentives for financing their loan with DHI Mortgage. The buyer contends it would be well within the lender 's power to request these documents from the seller given they operate under a single parent company. 

-- The acquisition of the 2-1 buy down addendum was a quick process, once initiated. The sellers agent requested the buyer sign the addendum, had the buyer sign the addendum, and had the lender provide the CD on the same day, XX/XX/XXXX, exactly 15 days after the Uniform Residential Loan Application was submitted on XXXXXXXX ( which marks the buyers credit with a hard inquiry ). 

-- Its an incredible coincidence that, while the buyer has exactly 14 days to compare rates with other lenders without impacting their credit score, the Closing Disclosure with the 13.75 % higher cost to close was generated on day 15. 

-- In other words, DHI Mortgage intentionally chose to forgo requesting critical addendums from the seller that they knew would be part of the final sale in order to intentionally misrepresent the terms of the sale to the buyer, until such time, that if the buyer were to seek competitive offers, it would adversely affect the buyers credit rating and risk the pending sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX : XXXX XX/XX/20 Experian : XX/XX/20
Product: Credit card or prepaid card

On XX/XX/2021 a charge {$12.00} from park receipts in XXXX  appeared on my mastercard HSBC. I live in XXXX. I contacted and reported disputing this charge 3 times. After waiting 3 weeks my card was closed but now I can view my statements and balances on line but can not make any payments or transactions. The disputed charge still remains.

They sent me a letter attached asking for a response. On XXXX I faxed response and letter back. Attached. HSBC on XX/XX/2021 wrote me another letter saying attempts to contact me have been unsuccessful. 
SUCH XXXX! Instead of writing nasty letters and miscommunicating they should recognize an Obvious fraudulent charge. INVESTIGATE XXXX! Thats your job HSBC. WILL NEVER USE HSBC AGAIN!! It is illegal for me not to be able to access my account and pay these XXXX off! I have contacted you numerous times. HSBC has been unresponsive and negligent in bogus fraudulent charges and terms of agreement with card holder. Now HSBC has the balls to tell me 10 calender days or else. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C. 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as rollows : Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX XXXX, XXXX XXXX  and XXXX are reporting late payments in the past. 
I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance
Product: Student loan

I am the co-signer on my daughter 's private student loan. She obtained a XXXX XXXX XXXX XXXX degree in XX/XX/2014. She obtained a wonderful job approximately two months later with a well-known international company. She travels around the world doing XXXXXXXX XXXX XXXX XXXX XXXX XXXX.

It is nearly impossible for her to make her private student payments on time ( in addition to her federal loan payments ) due to her pay schedules and the exorbitant amount of the loan payments. Her payments on this loan alone well exceed her rent payment, she owes more than she borrowed even after three years of payments, and we have just learned that she has only been paying the interest ( at 8.73 % )! Soon, LendKey will begin tacking on principal, tool.

Worse, LendKey 's website never seems to accept payments correctly, resulting in missed/late payments and nasty penalties and credit problems. She has no choice but to call LendKey representatives in person at the end of each month to make payments manually. The company has been promising to fix their horrible site for many months now and yet nothing has been done. 
This student loan scam is a crime. How is this not illegal? These loans seem designed never to be repaid and to keep the former student in debt forever. How can today 's young professionals expected to buy a car or a house when they have no money left over each month to even buy food? This is a terrible, corrupt system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about the company XXXX, which seems to refuse to remove their information about charge-offs on my credit reports. The account was opened in XXXX. I am also complaining about XXXX and Experian. On XX/XX/XXXX of XXXX, I disputed XXXX card services and XXXX with all three credit bureaus. XXXX is the only one that actually deleted both from my credit report. I have contacted Experian and XXXX several times about this. Experian and XXXX still show the XXXX card services and the XXXX account. I have tried contacting XXXX several times at the number provided, which is XXXX. You can not get anyone if you do not have your account number. It asks you for your account number or if you want to put in your Social Security number. I put in my Social Security number. Then it asks for the last XXXX of the account number. I can not speak with anyone about this because I no longer have that information. 
Whenever I contact Experian or XXXX or dispute this with them, they tell me that it will remain on my credit report. Even though I have advised them there is no way for me to get in contact with them via the phone, this is still their response. I was told the first delinquency for XXXX was on XX/XX/XXXX. If bad credit is supposed to stay on your credit reports for XXXX years, this should have been removed on XX/XX/XXXX. When I called in to speak with advisors from Experian about these XXXX accounts, They stated that the removal date for the XXXX card services was on XX/XX/XXXX, and in XXXX. They stated that the removal date for XXXX would be XX/XX/XXXX. Today 's date is XX/XX/XXXX. Experian should have removed these already. When I spoke with advocates from XXXX, they told me that the XXXX card services removal date would be in XX/XX/XXXX, and the removal for XXXX would be in XX/XX/XXXX. I honestly do not trust that XXXX will remove those XXXX cards when XXXX of this year gets here. If all three credit bureaus are supposed to report the same information, then they should be deleted immediately because XXXX has already done so after I disputed these cards/ loans with them. Another thing I'm incredibly concerned about is the fact that Experian does not show that this account is closed, which it has been for years now. Something needs to be done about this fast because it affects my ability to apply for certain types of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 Equifax was sent a correspondent with written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to remove accounts and late payments from my consumer report which was received on XX/XX/21. Equifax failed to follow my specific written instructions when it came to my consumer report. Ive called several times to have the items removed and was not successful. On XX/XX/21 I sent Equifax a notarized Affidavit of Truth in Support of Criminal Support explaining the violations they committed they received that correspondent on XX/XX/21. I also attached my consumer report and labeled 10 adverse items pursuant to 15 U.S. Code 1681c ( a ) ( 5 ) that should have been excluded from my consumer report. I have not received and update on the written instructions that was provided to Equifax nor did I receive and update on the adverse items that should have been excluded from my consumer report.
Product: Vehicle loan or lease

I purchased the vehicle from XXXX XXXX  Around XXXX of XXXX. I made every payment on time up till XXXX of XXXX when I turned the vehicle back over to them. The loan for the vehicle was through XXXX XXXX which is owned by the dealership. The reason for turning the vehicle back over was because I XXXX to XXXX in XXXX of XXXX and that I did not want to continue letting someone else use the vehicle and being liable for any damages that may have occurred during that period. 
I contacted XXXX XXXX prior to turning the vehicle in and was told that this would not be reported on my credit because I was on orders and was not able to take the vehicle with me to XXXX. 

Since XXXX of XXXX, the vehicle has been reported missing payments till XXXX of XXXX when it was listed closed and being reported as part of a XXXX. I have reached out to them several times including during the purchase of my new vehicle to have it removed off my credit or at a minimum report it correctly. As of now, I have not received a collection notice or a XXXX  day notice that the vehicle would be resold as per XXXX  law. The vehicle has already been resold to another customer at XXXX XXXX. 

I have spoken to the XXXX there and have been told someone would reach back out to me. I have went as far as asking them if they are even able to call international and they said yes but I have yet to hear from them at this time. If you need any further information regarding this, I will be more than happy to provide it. 

As of XXXX of this year, I have again contested it about it being reported incorrectly as a XXXX  and submitted a letter stating this fact along with all of the emails to them and orders that I was in XXXX at that time. Thank you
Product: Checking or savings account

Hello I was just logged in to my CoinBase account at my XXXX vacation. CoinBase Auto Ban-Ip system banned my account suddenly. I just wanted to check my balance and to see charts and whats going on. It has been 2 months that i reached them about this case and i sent them all of my proof documents ( PASSPORT, Driver License, Bank Account Payments ) but i didnt get any results. Im still waiting for ID verification but i still dont get any response from www.coinbase.com.
Product: Mortgage

Starting in 2023 I started a new job and wasnt able to work at my part time job during the XXXX phase of my new full time job. I then got sick in the XXXX with XXXX and had to get recycled. In between that I wasnt getting my full amount. Then shortly after I finished the XXXX I got back to working trying to catch up on all of my bills. Then got behind again due to getting XXXX and it was XXXX XXXX so they put me out of work. In this time I had a 30 day waiting period for short term disability then finally that kicked it and has not been enough to eat and pay for my mortgage and utilities. I was on a forbearance plan during this time but do not have the financial ability to catch up. I have been trying to sell my home to avoid foreclosure.
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.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX PREAKNESS XXXX XXXX, CO XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXXccount Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

under tx law the collection of a debt has to include a sworn account this is not sworn to and so may not be mine I have no recollection fo being in this place at this time arringin by ambulance etc I have been to XXXX XXXX XXXX XXXX but I am thinking that this is not me I had care and care insurance under medicare a medicare replacement insurance co privately funded insurance that takes some of the financial burden off medicare social security and provides also supplemental ( ie more than medicare allows to its patients. ) I don't have the funds due to income stolen but these collection agencies just send bills that is why the tx law requires at least a sworn account of all of it.. under another insurance co XXXX XXXXXXXX XXXX a regular inspection of underlying documentation I found in XX/XX/XXXX XXXX that was wrongly billed for a XXXX XXXX and XXXX of my kid. so I want the details to make sure this is me and not been paid by my insurance co and that this is not just late fees and someone elses bill I had been starved by the XXXX county probate court which took over 150000 in assets and would not even provide m a cent for food transportation anything for 5 months from XX/XX/XXXX to after XX/XX/XXXX when I ended up in XXXX for XXXX I lived on samples from XXXX XXXX and XXXX to which I walked 12 mis a day this situation has been declared void under t sup court XXXX all my stuff in trust and unsubjects to guardianships and no personal jurisdiction over me.