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

On XX/XX/XXXX I sent my first dispute to TransUnion where they failed to response to me so I sent another follow up letter on XX/XX/XXXX and all I got back was a letter dated XX/XX/XXXX and another letter dated XX/XX/XXXX on XX/XX/XXXX explaining the procedures and still have not gotten a response from them for the following accounts that is causing serious harm to my credit. 

XXXX/XXXX  Charge off {$1000.00} This account is still questionable since my dispute on XX/XX/XXXX with a follow up on XX/XX/XXXX with no response. The date of last payment on my TransUnion report shows XX/XX/XXXX with the date of last active XX/XX/XXXX. When the date of last Payment on XXXX  shows XX/XX/XXXX with the date of last active on TransUnion shows XX/XX/XXXX. How can this information be accurate? 

I also had a collection agency XXXX XXXX who was attempting to collect this debt and was unable to provide me with any information that is linked to this account but a simple bill with a balance. No date of first delinquency or any information on the correct balance or breakdown. 

XXXX XXXX {$620.00} This account is still questionable since my dispute on XX/XX/XXXX with no response and see changes where made and I was not given any information on why or how the information can now be different. On my report on XX/XX/XXXX the date reported was XX/XX/XXXX and now you have a date reported of XX/XX/XXXX. Also your date of last active shows XX/XX/XXXX but shows no information on the date of last payment to compare. No investigation results have been sent to me on this account or why it has any changes. 

XXXX XXXX This account is being reported twice with the same balance of {$1100.00}, same account number XXXX one with an open date of XX/XX/XXXX with a past due balance of {$730.00} and the other with an opened date of XX/XX/XXXX with a balance of {$1100.00}. I have addressed this to TransUnion already on XX/XX/XXXX and again on XX/XX/XXXX with no response. This account is inaccurately being reported twice making a duplicate derogatory remark on my TransUnion account and needs to be removed immediately. 

XXXX  XXXX This account is being reported twice with same account number XXXX one with an open date of XX/XX/XXXX with a balance of {$12000.00} and a past due balance of {$12000.00} and the other with an opened date of XX/XX/XXXX with a balance of {$12000.00} and with a past due balance of {$1500.00}. I have addressed this to TransUnion already on XX/XX/XXXX and again on XX/XX/XXXX with no response. This account is inaccurately being reported twice making a duplicate derogatory remark on my TransUnion account and needs to be removed immediately. 

The XXXX  XXXX, XXXX XXXX and XXXX/XXXX  clearly have not even been looked into since there isn't even disputed notes on the remarks
Product: Debt collection

Received a letter stating that I owe an amount to this company. 

Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4. 


This company has violated my right to privacy, & has stolen my identity, as I do not have a contract with this company,
Product: Credit reporting or other personal consumer reports

I am submitting this third -round dispute regarding six ( 6 ) late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that remain unverified on my credit report, despite my initial dispute on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ), creditors are required to verify the accuracy of information within 30 days. As of today, no such verification has been provided, making the continued reporting of these late payments a violation of the FCRA. I request the immediate removal of these unverified late payments from my credit report under FCRA 611 ( a ) ( 5 ), which mandates that unverifiable information be deleted. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX bank # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

I am a former employee of AUTOPAY aka AC AUTOPAY. The company consistently and knowingly engages in fraud at multiple levels of the operation. They knowingly provide false/unverified information to their federally insured credit union partners. They send credit applications without verifying length of employment, length of residence, vehicle trim levels and general vehicle options. The lending partners are not aware of this. It's done internally, again, knowingly, with the goal of increasing the number of approvals and ultimately the amount or revenue. This has gone on for several years. 

Additionally, at one point during the operation they collected sales tax on hundreds if not thousands of transactions, when in fact no sales tax was actually due. This was around XXXX. These were straight refinance transactions and they were collecting sales tax, it was itemized into the loans. 

Autopay willingly and knowingly allows their employees to use illegal sales tactics. These tactics include lying about the cost of ancillary products, not disclosing basic details such as loan term, and insinuating that the lender is requiring you to buy ancillary products. Only if a lending partner catches on to the lies, will they take any corrective action. 

Autopay has consistently engaged in illegal advertising. They quote customers rates that they know they will not be approved for, at times, even quoting rates that dont exist. This is done both on their website and through channel lead partners. 

Finally, Autopay engages in illegal workplace standards, such as, not allowing employees to take full lunches, not paying overtime in any way, and filing false time cards. 

This is a boileroom operation that needs to be investigated in depth.
Product: Credit reporting or other personal consumer reports

XXXX XXXX have completely in full concealed the fraud by XXXX XXXX XXXX on their records against me. Now the truth is in the open by first American title XXXX under CFPB # XXXX and is fraud so to XXXX XXXX and XXXX XXXX please disclose the facts to the fullest.
Product: Debt collection

Report Number : XXXX Date Generated : XX/XX/XXXX Account Name LOANME XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$2500.00} written off. 

Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$2600.00} Highest Balance {$0.00} Terms 47 Months
Product: Student loan

Nelnet is inconsistently reporting XXXX student loan accounts on all XXXX of my consumer credit reports for account # XXXX. Each report shows a different " status. '' These loans were sold or transferred and are now consolidated. I demand that Nelnet deletes these XXXX negative accounts. I do not have a balance with this company, so I do not understand why they are reporting that my current status is 120 days past due. Please delete these accounts.
Product: Debt collection

Section 604 15 u.s. code 1681 b clearly states that credit reporting agencies dont have the right to report anything on my credit report without my consent which they did also Section 605 15 U.s code 1681 C-1 States that with no consent = identity theft which is correct because no credit agencies have my consent.

Section 605 B 15 U.S. code 1681 C-2 States that if there notified about something on my report from identity theft or fraud its clearly because I did not consent to it I need these collections account removed off my credit report this is not mine I did not consent to that According to FRCA section 605 B it is illegal to report information on my credit report without my permission
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed them. Please delete these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. 


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

While Im the mail I never received my card so Im guessing someone stole it I only have access to the online part but someone has access to the physical card that they stole on the mail now American Express says theres nothing they can do about it which is really messed up because I lost {$3000.00} today it was supposed to be a gift for my mother because shes at the hospital but now I have nothing for her but I called the company and they were really rude and telling me to call the merchants which I did and they told me to call the financial intuition but AMEX doesnt do anything Or help they treat their customers so bad these are the transactions : Credit transaction - XX/XX/XXXX eastern standard XXXX In their time XXXX # 1 XXXX XXXX  {$1000.00} XXXX XXXX Gadget gone {$600.00} XXXX eastern standard time XXXX service desk XX/XX/XXXX XXXX XXXX service desk {$50.00} eastern standard time {$32.00} {$15.00} XXXX service desk XXXX XX/XX/XXXX - according to XXXX the customer representative
Product: Mortgage

I had a fire several years ago. It's the only claim I've ever made on my XXXX  in XXXX years. Thereafter my insurance canceled me & I had to obtain new insurance Over the period of a few yrs, to maintain the most affordable insurance, it was changed a couple of times, most recent prior to the issue thru a provider Hippo solicited to me thru my lender. It was opened XX/XX/XXXX. Apparently they provided me coverage & decided to drop me at policy renewal unbenounced to me. I wasn't aware up unto the point I received a letter from my lender discussing maintaining coverage around XX/XX/XXXX. I immediately started working on this and had new coverage within a few weeks. After my coverage began XX/XX/XXXX, on XX/XX/XXXX I received a ( 2nd notice ) from my lender threatening force placed hazard insurance and notifying me that I would be charged {$150.00} for my forced placed coverage. I immediately called them and was on the phone an XXXX XXXX  & XXXX getting transferred around talking to different people. I was finally reassured I'd receive a follow up phone call pertaining to the listed charges I'd vehemently disputed. My take on it was simple. I'd only received one notice from my lender prior to obtaining coverage & I immediately obtained new coverage. I disputed my notice to them citing regulation 12CFR Part 1024.37 of the CFPB multiple times to my lender 's reps to which they documented. Additionally I inquired as to why I was sent a notice of charges for " coverage '' to be future billed to my account only after I sent them new proof of coverage. I additionally disputed the facts if they were going to charge me for lender placed insurance, why had I not received prior proof of coverage. Furthermore I discussed with them, even if I intentionally had lapse on my policy & hadn't immediately began obtaining new coverage, I should only be charged a premium based on the amount of secured interest they have in the property, which is XXXX XXXX. They charged me based on a coverage amount of XXXX XXXX over XXXX their interest in the property. Now I understand I've previously carried coverage for this amount & discussed that with them, but if they are going to force issue a bogus policy that was never intact nor disclosed with a XXXX page or charged to me until XXXX XXXX  after the fact, it should only be on the amount of their secured interest which would equate to roughly {$50.00}, not {$150.00}. I finally received a notice today ( XX/XX/XXXX ) nearly XXXX months after my new insurance policy began that they had continued on to charge my account for the {$150.00} anyway despite my dispute & no return call as I was reassured. The bottom line is there are a number of reasons I believe they've acted intentionally in a predatory manner regarding this situation for no other reason than an intended money grab. I believe I have just cause for legal action regarding this matter if I'm not able to get my money refunded regarding this situation. Can you please assist?
Product: Debt collection

I called XXXX XXXX on XXXX XX/XX/2019 at XXXX hrs and spoke with XXXX. I attempted to make a settlement with payments for {$4000.00}. XXXX explained that I could not do that and he needed full payment immediately. I explained that I could not afford to pay the amount in full but I could make payments of {$100.00} per month and make settlement arrangements in XX/XX/XXXXwhen I received my military sign on bonus. He said he could not accept this arrangement. I asked for the payment address so I could begin mailing in payments. He said that I could not mail in the payments. I asked again and he said that he could give me the address but they would only accept payment in full. I asked again for the payment address and he refused to give me the address.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered the following unauthorized inquires : I did not apply for credit of authorize these companies to check my credit report. These inquires were made without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate removal of these fraudulent inquiries from my credit reports. 

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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

IM REACHING OUT And regards A IMPORTANT MATTER I Recently Applied For A Business Account In Got Denied Because I Notice that I Am in XXXX & XXXX XXXX XXXX, I WOULD LOVE to Explain What REALLY Happen To My Account. Ok I Did Work For A Former client & She Paid Me in A form of Payment method of A Money Order so I Deposit It To my Bank of America Checking Account Not aware That The Money order Was Mobile deposit In A Another Institution So Bank of America mark That The Money Order Was Fake In Close Out My Account Out I Was Not Aware That the Money Order was already deposit To Later On Because I made several call Around. SO Im Asking For your help!
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you please verify the documents? Several of the listed accounts are inaccurate, and it's unsettling for me.
Product: Payday loan, title loan, or personal loan

I have been with capital One for over XXXX years and they refused to give me any form of credit line increase they go off of and effort information from my credit report I have provided done with all accurate information and they still refused to review or do a manual credit pull for my application
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to complaint XXXX I first thank TRANSUNION for honoring my consumer rights in the first complaint by removing multiple items from my consumer report. However there were two things that were not honored. The first thing that was not honored was raising the consumer credit score to the highest possible for violating my consumer rights. Removal of the items shows that TRANSUNION was indeed in violation of the FCRA. The second was not honoring my request to pay XXXX USD per violation committed against the consumer and damages caused by having the consumer information without consent, as well as the defamation cause by having erroneous information reporting, which would amount to XXXX USD
Product: Student loan

I have consolidated my loans and they have not reported to the national clearinghouse and this is stopping any financial aid to even be evaluated.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name : XXXXXXXX XXXX  Account number : XXXX
Product: Vehicle loan or lease

I had a loan thru chase bank for my XXXX XXXX XXXX since XX/XX/XXXX I made monthly payments directly to chase bank every month I would request payment history statements every three months to see where my principal payments were getting applied so I have a very documented financial history showing my loan was never past due but my car was involved in a accident my insurance company XXXX XXXX XXXX told me I have full coverage and I need to release car from the tow yard to my insurance company because they will fix it and rent me a car but a lack of communication or something happened and the car was sold at a auto auction and chase bank said my insurance company refused to pay the remainder of the loan and told me the reason the car was there in the first place was because it was involuntary repossessed I asked how that is possible when I have proof of payments on time and they first told me I didnt pay in XXXX in XXXX so I pulled out the payment history and gave her the amount and date they applied that payment to my account so after she couldnt get out an excuse for that month she told me that my payment in the month of XX/XX/XXXX was reversed And I said well I show it was applied and the same date Next month another payment was sent in and so on and so on so basically chase sold my car at auto auction as salvage vehicle the insurance company changed their mind and said nevermind we wont cover it after they took possession of it and even after the bank sold the car they were still receiving my monthly payment even after it was illegally repossessed by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed information with XXXX  in reference to XXXX XXXX XXXX. Account was sold to JCS. 
JCS repoed my vehicle on XX/XX/20, auctioned on XX/XX/20. I explained to XXXX  JCS ( Jefferson Capital Services ) had my new address and repoed the truck, as well JCS intentionally sent the redemption letter to my address, through regular mail ( Not certified- per GA Law ). As well XXXX XXXX is reporting the repo ands showing I never made any payments and reporting the full amount of the contract. I reported the same information to XXXX  ( who has deleted the file ) as well to XXXX  ( no response yet ). I sent XXXX  screen shots of payments, which showed the original amount of the contract and they still updated the information as Accurate. I personally believe they did no investigation and just updated it without reviewing.
Product: Mortgage

MY LOANS WAS SOLD TO CALIBER HOMES FROM XXXX MY MORTAGAGE HAS RESPA VIOLATIONS ON AND I HAVE A 7 PERCENT INTEREST RATE I WILL NOT LET THESE MONSTERS TAKE MY HOME, I WANT A MODEST INTEREST RATE AND A REDUCTION IN PRINCIPAL I OWE XXXX ON MY HOUSE ITS WORT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for {$440.00} I would like Equifax & XXXX to conduct a fair legal investigation and once the investigation is complete remove the account. Please note XXXX has already legally deleted this account from my report..Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Product: Money transfer, virtual currency, or money service

We purchased a roll up door from XXXX online. Order number XXXX. We purchased this with the expectation of a rebate that was promised. Rebate code XXXX. 

We received notice that the door was available for pickup on XX/XX/XXXX and the following week end, retrieved the item on XX/XX/2018. Now having received the merchandise, we attempted to collect the rebate. However, the rebate deal stated that it was no longer available and expired on XX/XX/2018. 

Our complaint is that we could not exercise the rebate until receipt of the merchandise, and because of their slow delivery, ( Order placed XX/XX/2018 ) we could not exercise the rebate. This was false and deceptive to offer a rebated price and then not making allowance for us to claim the rebate