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

Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX XXXX XXXX XXXX XXXX  is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Mortgage

HI.They again increased a mortgage monthly payment.I had an increase in XX/XX/XXXX.Now second time.My first mortgage payment was $ XXXX.Now they want $ XXXX.This is {$180.00} more from the begins.This 13 months period when my mortgage increased by $ XXXX.My increased mortgage in XX/XX/XXXX had included new taxes.Now there was not change in taxes and not changes in mortgage insurance but they have increased escrow by $ XXXX.I beg please help me.I trace financial liquidity.PLEASE HELP ME BECAUSE THEY ARE CHEATING ON ME. 
They did not answer to me previous complaints.Now 15 days pass. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized hard credit inquiries on my XXXX credit report. I contacted the XXXX creditors both by mail and phone. I also contacted XXXX both by mail and phone and they told me to seek help from this site. The creditors are as listed and unauthorized. 



Dear Credit Bureau, I noticed that my credit score has dropped. I checked my credit report and noticed multiple inquiries on my credit report. I authorized only the ones that are associated with my accounts, the rest of them were not authorized by me. I have read the Fair Credit Reporting Act, and it states that a company needs a permissible purpose to pull someones credit report. Well, I did not give the companies below that permission. 
CREDITOR : TYPE : DATE : Wells Fargo Bank NA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have also sent a letter to the creditors asking them why they have pulled my credit report without my permission, and no one has responded to me. While waiting for them, I am asking you to honor the fcra law and delete these inquiries today please.
Product: Credit card

I believe the account is invalid. CAPITAL ONE. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 
CAPITAL ONE XXXX
Product: Credit card or prepaid card

I have been a loyal customer of Chase Bank U.S.A. by using their Chase Credit Card for over 15 years. I have never been late, I double my monthly payments and never missed a payment. They gave me a healthy credit line because of this and my credit report. 

I received an unexpected letter of increase of rate from 10.24 % to 15.24 %. I think this is very unreasonable for a loyal long term customer to face the same interest rate as a new customer, delinquent customer or poor credit customer.Besides why should their interest rate be so humongous and unfordable? it is designed to keep the poor people poorer. This is how they keep people poor. Chase was one of  those companies that got bailed out during the financial crisis and now they are back to doing the same nonsense. 

I called Chase on XX/XX/XXXX and spoke with XXXX a supervisor stating the above, but she said, that is what it will be as of XX/XX/XXXXand there are no exceptions. 

This is a problem for many consumers to use a credit card that is murderous to your pocket. I think this needs to be regulated. 
Can you assist me, to shed some light to Chase and have them consider reverting my interest rate as well as other consumers, so I ( We ) will be able to use the card. One representative advised me that you don't have to use it. Then what are you saying, you gave me a credit card to not use. 
Their letter also stated that if you do not agree you can close off your account. I DO NOT WANT TO CLOSE OFF MY ACCOUNT BECASUE I MAY NEED TO USE THE CARD IN CASE OF EMERGENCIES. 
CHASE SHOULD NOT DO THIS AND THE DEPARTMENT OF CONSUMER FINANCE NEED TO STEP IN.
Product: Checking or savings account

This is about XXXX XXXX a subdivision of PNC. They ceased operations on XX/XX/2023. My account was closed on XX/XX/2023 and I received notification that the account was closed. However on XX/XX/2023 they accepted my direct deposit from my employer. The money is in the account but I can not access it. I have tried multiple times to contact them but I get no reply. My employer said they need the bank to reject the direct deposit so they can re route it to my new account but my employer said the direct deposit was successfully received and there is nothing they can do.
Product: Money transfer, virtual currency, or money service

This is the cover letter. excluding the XXXX additional pages of information. 

From : XXXX XXXX XXXX Date : Mon, XX/XX/XXXX at XXXX To : XXXX I called this number and asked for a call back XXXX ( XXXX ) XXXX Actual Coin Base support number on their web site The call back numbers came from XXXX ( XXXX ) XXXX XXXX XXXX There was two different people. A lady answered then handed me over to her supervisor ( XXXX ) I thought this was actually Coinbase. 
I was trying to get corrected the last {$1000.00} I invested that never got credited for. Although this amount actually came out of my bank account. 
These people actually transferred {$14000.00} worth of crypto to a XXXX  account. 

Then yesterday XX/XX/XXXX I called back the XXXX ( XXXX ) XXXX And waited for another call back. The call back number this time was from XXXX XXXX says its a debt collector I talked with them for XXXX hours didnt get anything resolved. 

All XXXX of the call back numbers came from Phone type Voip Service provider XXXX XXXX, XXXX Back  in XXXX I also got XXXX  approximately {$5000.00} was transferred to a wallet. I cant find this wallet. 

I have filed with our local police department. 
The Indians Attorney General And the Govt FBI dept of financial fraud Much Appreciated XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct # XXXX was opened up in XXXX and still appearing on my consumer report. It has been 9 years since first appeared. 

The first date of delinquency was also in XXXX. XXXX made 7 years since the first date of delinquency. All the consumer reports are hiding and not showing any activity in XXXX or XXXX because if they did, they would see that the first date of delinquency was XXXX instead of showing the first date of delinquency inaccurately reporting XX/XX/XXXX. 

I want this account removed from Consumer reports as I have requested for the past 2 years
Product: Mortgage

Midland told myself and the cfpb I could take XXXX for the hud Covid relief. Now theyre giving me a hard time. Threatened me. Marking my credit, leaving the amount outstanding.
Product: Credit reporting or other personal consumer reports

After mailing Experian a dispute letter a few months back I asked them to verify the information that I listed and believed was reporting to my consumer report without the proper verification process. I asked them to provide to me any documents that may verify the validity of the information which includes any signed agreements, contracts, or receipts. In pursuance of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ), Experian must remove any information that's inaccurate or unverifiable in which them not providing the proper documentation but continue to report this information is a violation. I understand that it is their duty to be in compliance with the laws that they agreed to abide by. How can you report any account without the proper documentation but respond " verified ''? The creditors that's reporting this information never had the consent to call me numerous times about a debt that they never sent me any proof of documentations to me. I have no knowledge of who they or how they obtained my personal information without my consent. I have a right of privacy in which I believe was violated. Also they are reporting multiple personal information inaccuracies which may confuse anyone or institution that I may have dealings with in the future. They are reporting multiple addresses that I currently don't live at. My credit is being negatively impacted by the negative information that's being reported but without proper validation. Violations I believe that was committed by Experian and the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Mortgage

I previously filed a complaint with CFPB for the same issue. I was able to pay the correct amount for one month because their company representative contacted me and was able to tell me via phone the correct amount to pay. The payment amount seems to change monthly and they only notify me via mail that comes after the due date of the payment. Their online system is broken- the login does not work well and I am unable to login without calling customer service. Once I do login, their online site does not show statements ( as advertised ). Their call center at XXXX has an average XXXX hour wait ( today it did not even connect ). Their backend accounting system looks like an antique, I've received mailed transaction pieces that look like they've been typed. I have paid the amount that I thought I owed every month and every month it changes, they do not apply my payment, and give me late charges even though they do not notify me of the new charges in a timely manner. I just need to know how much I need to pay every month and why the payment changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Transunion Credit Bureau but they failed to give me any results or feedbacks about this concern. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Product: Vehicle loan or lease

I was sold a lemon was sold the car with a bad engine i was told to drive it a certain amount of miles so the warranty company could fix it. Car never got fix repossessed an now i stillown on the car
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX XXXX  XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 60 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681c ( a ) ( 5 ) ( a ) Information excluded from consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make a consumer report containing any of the following items of information : ( 5 ) Any other adverse item information, other than records of convicitions of crimes which antedates the report by more than seven years. Here Adverse items are delinquent items. I have already contacted TRANSUNION three times via letter correspondence and TRANSUNION failed to correct the item as PAID as AGREED. I have also asked TRANSUNION to provide me with method of verification and TRANSUNION failed to provide method of verification. Furthermore pursuant to 12 C.F.R. 1016.7 ( g ) and ( h ) ( of Regulation P ) I want to opt out of sharing my information and revoke verbal, non-verbal, written, implied, etc. consent TRANSUNION may have had to share that information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax and XXXX XXXX XXXX regarding their mishandling of my claim in the Equifax Data Breach Settlement. Despite my diligent efforts to submit a valid claim, I have not received any compensation, and the administrators have failed to properly process my claim. 

Details of the Complaint Failure to Process Claim : I submitted a claim for reimbursement of out-of-pocket losses and time spent, as permitted under the settlement terms XXXX. However, XXXX XXXX XXXX has failed to process my claim or provide any updates on its status. 

2.Loss of Documentation : The documents I submitted over two years ago to support my claim have been lost by the administrators 3. This negligence has severely impacted my ability to pursue the compensation I am entitled to under the settlement.

Extensive Time and Resources Spent : I have dedicated significant time and resources to this claim process : Spent hours compiling evidence and documentation throughout XXXX, XXXX, and XXXX. 

Sent multiple faxes and emails to the administrators. 

Filed numerous complaints. 

Made multiple trips to the post office for document submission. 

Incurred expenses for postage, faxing, and gas. 

Lack of Compensation : According to the settlement provisions, I should be eligible for compensation up to {$20000.00} for out-of-pocket losses and time spent. However, I have not received any compensation to date. 

Inadequate Communication : Despite my repeated attempts to contact the administrators, I have received no meaningful updates or assistance regarding my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I DEPOSITED {$240000.00} with Compass Bank XXXX XXXX Texas with the unders derstanding the it would be used for a money market. when I asked to have it transferred to a checking account I was told that I would have to pay a charge of of {$6800.00} as a penalty. I have tried to negotiate a settlement ( Forget the interest but all I got was a blank stare. ( you knew what you were signing. ) I am soon to be be XXXX XXXX. What would I want with a 10 year bank CD. I was offered a new deal for three years at ( supposedly ) 10 % It was to be a XXXX bank deal but was told that the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) said that for 3 years with a cap on earnings that only XXXX of XXXX show a posting of more 0 %. 
than 1 % per annum XXXX XXXX. CANCEL all & give me my money back .. It is {$240000.00} which I want my family to inherit. I am not asking for interest although I suppose that I am I am entitled to it. But do not charge me {$6800.00} This was presented to me on two sheets of small print, the first which was fold ed over so that I could not see it and the second which needed my signature. 
I had a witness with me who can confirm this Product Information Bank is Compass bank, a worldwide Spanish Company at XXXX, XXXX Texas XXXX The local telephone number is XXXX XXXX XXXX The Manager is XXXX XXXX The Headquarters is in XXXX, Alabama and Telephone XXXX XXXX. 


My name is XXXX XXXX, of XXXX, XXXX TX XXXX Email XXXXXXXXXXXX Telephone XXXX XXXX XXXX or XXXX XXXX XXXX ( cell ) Review, I was sold what I thought was a money market fund and when I objected the bank said the only way out was to pay {$6800.00}. At almost XXXX XXXX a ten year note paying XXXX XXXX percent is ridiculous, no-one wants that. 

Hope that you can help me before my XXXX beats me to it. Thanks
Product: Consumer Loan

I financed a vehicle through Ford Motor Credit in XX/XX/XXXX. At the time I was making {$50.00} an hour and paying for my loan was not a problem. I became totally XXXX and got behind on my payments and I am nearing the end of my contract. I receive Social Security and XXXX XXXX payments which is my only income. I contacted Ford Motor Credit in XX/XX/XXXX and made a {$900.00} payment and advised the nice lady that I would pay at least that monthly in order to satisfy the loan. She told me that a person from her retail department would contact me and try to assist me to get back on tract. Instead I get a call from a very rude man from their collections department demanding that I pay the total past due or I would need to surrender the vehicle. I told him several times that I did not have that kind of money and my vehicle is my only means to get back and forth to my numerous doctors appointments. He became very arrogant and told me that if my house payment was behind that they would foreclose on my house, which my mortgage company has been very understanding and I am current on my payment. He told me to call back to speak with him, but I refuse to talk to such an arrogant person that has no business in Customer Service. He got upset with me because I was using my cell phone to which I explained was my only means of communication. My home address is in XXXX but I am in XXXX undergoing medical treatment for my disease. I am XXXX most of the time and have a hard time speaking on the phone. I have sent emails to the executive offices of Ford Motor Credit, the XXXX to no avail. I tried using the secure email system through Ford Motor Credit but the response is always that I need to call and they are unable to help me through email. Maybe they do not understand that I am trying to pay them money and they do not have to be arrogant and demeaning towards their customers that pay their wages. While my account was past due I would get at least XXXX calls a day on my cell phone telling me to call Ford Motor Credit. As I stated above I have difficulty communicating at times due to my illness but no one cares. I just want to pay off the vehicle. I have paid around XXXX thus far for this vehicle with financing and they want to take it when I am so close to paying it off. I am putting half my Social Security into paying the vehicle off. I do not want anything free, just some empathy and understanding in my situation. I have been in XXXX about 45 years and have never treated a person as such, let alone a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Debt collection

The debt collector sent a collection letter for a debt that was satisfied 9 months ago with written proof submitted in writing to me by the agency i paid.
Product: Credit reporting or other personal consumer reports

Reporting 3 different dates account open stating account is accurate when its clearly inaccurate. Experian reports date open XXXX. XXXX reports date open XXXX. XXXX states date open XXXX. How can these all be verified as accurate on the same account and all the open dates are different? All CRAs are clearly reporting inaccurate information and have not removed this inaccurate account from my credit report.