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

A foreclosure on my TransUnion report should have aged off the report XX/XX/XXXX as date of first delinquency was XX/XX/XXXX and the account was never brought current after that date. It seems that the creditor re-aged the account for several months from XX/XX/XXXX thru XX/XX/XXXX as current when it was not as no payments were ever made during that time period. The report also makes note that as of XX/XX/XXXX the account was at least 120 days past due. I disputed the account current status for the months of XX/XX/XXXX thru XX/XX/XXXX pointing out that the date of first delinquency was correctly reported as XX/XX/XXXX and the XX/XX/XXXX date shows 120 days deliquent which negates at the minimum the current status for the first 4 months of XX/XX/XXXX. Each time I disputed the account, it came back as verified and remained on my report. I also sent copies of the foreclosure court papers filed by the creditor in XX/XX/XXXXof XX/XX/XXXX stating and swearing accuracy that the account has been delinquent since XX/XX/XXXX and never brought current. I sent these court papers on 3 occasions, once electronically and twice via USPS certified. TransUnion never took into consideration the proof that I sent them. I was told that the account is verified as correct by the creditor. My last verbal dispute with TransUnion that they take into consideration the legal court documents I sent them proving that this account should no longer be on my credit report was on XX/XX/XXXX. Although I received acknowledgement of this dispute on XX/XX/XXXX I never received any further response and the item remains on my report negatively affecting my credit after it should have been removed almost 5 months ago. This has been disputed at least 8 times over that time period. TransUnion rep told me they do not have a disputed resolution department and only consider what the creditor verifies.
Product: Vehicle loan or lease

Subject : Complaint Against Credit Acceptance Corporation for Violating Security Interest Agreement and Billing Error Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Credit Acceptance Corporation regarding their failure to honor a security interest letter and address a billing error in relation to my account. Despite my repeated attempts to resolve these issues directly with the company, Credit Acceptance Corporation has failed to acknowledge or rectify the situation, which has caused me significant financial harm and distress. 

Here are the details of the situation : 1. Security Interest Agreement : - I provided Credit Acceptance Corporation with a security interest letter outlining my rights and interests in the assets and personal property held by the company. This letter was notarized and sent to them via registered mail. 
- I also submitted a Certificate of Indebtedness as per the terms of our agreement, along with a filed 1099 A, which Credit Acceptance Corporation has failed to honor. 

2. Billing Error : - I notified Credit Acceptance Corporation of a billing error in accordance with the law, giving them 30 days to correct the issue. However, the company has not acknowledged or addressed this billing error.

- The company 's failure to credit my account as per the Certificate of Indebtedness security has resulted in financial discrepancies that remain unresolved. 

3. False Advertising and Loan Selling : - Credit Acceptance Corporation falsely advertises that they pay all note holders promptly upon receiving funds in the trust and settling fees. However, this has not been my experience. 
- The company has also sold the loan without my consent or proper notification, further complicating the situation. 

4. Legal Recourse : - I am aware of my rights under the law, including the right of rescission ( 1026.23 ) and billing error resolution ( 1026.13 ). I demand that Credit Acceptance Corporation honors the terms of our agreement and resolves the billing error promptly. 
- I also assert my right to take back the security interest and any proceeds provided to them as part of the contract, as permitted by law. 

I believe that Credit Acceptance Corporation 's actions constitute a violation of consumer rights and financial regulations. I request that the CFPB investigate this matter promptly and take appropriate action to ensure that Credit Acceptance Corporation fulfills its obligations and addresses the concerns raised in this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Opened XX/XX/XXXX ; Amount {$3700.00} This account is appearing on my credit report and should permanently deleted due to Statute of limitations being 7 years. it has been over 7 years of reporting. 

XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ; Amount {$650.00} This is in no way my account nor my debt XXXX XXXX XXXX XX/XX/XXXX ; Amount {$600.00} This is in no way my account nor my debt. 

XXXX  XX/XX/XXXX ; Amount {$320.00} This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt.
Product: Credit reporting or other personal consumer reports

I have grown tired of Experian not following the law and the CFPB not requiring them to follow through adhere to timelines and follow Fair credit reporting laws as well. 

Attached is proof that they have received my dispute along with all of the evidence they keep asking me for that I keep providing that is breaching my identity even further. I have uploaded mailed faxed and emailed copies of identification and everything that they have requested from me with evidence attached that they have received it on XX/XX/XXXX. They have failed to respond to multiple complaints thoroughly or investigate them thoroughly. I have contacted a lawyer because they are the breach of my data and why my identity was stolen.
Product: Checking or savings account

Bank of Texas has charged me over {$600.00} in OD fees on my business bank account when I specifically requested to opt out of OD Protection for this very reason! This is a secondary business account and all of our small deposits are getting taken up by OD fees when we never requested OD protection. This should be against the law to charge {$34.00} per paid OD transaction when the amount being covered is far less than the OD fee itself - this is a built in rate of lending that exceeds several thousand percentage points, which should absolutely be considered theft by large banks on low balance consumers. Being a Texas based bank, you would think they would be helpful to Texas based small businesses, but instead they are choking every penny from their accounts with ridiculous OD fees on small transactions!
Product: Debt collection

I contacted XXXX at the XXXX first and asked for a copy of the lease agreement and an invoice or documentation of the charges they claim that I owe them. The gentlemen stated to me that he was unable to send me a copy of my lease because they no longer had a hard copy due to it being 6 yrs ago. He said he could only provide me a bill of what I owe but it would n't be an invoice or documentation ( whatever that means ) He said I owed {$500.00} but my credit report is showing {$530.00}.
Product: Credit card or prepaid card

I made a purchase from XXXX XXXX. XXXX and at first i had trouble tracking the shipment because XXXX XXXX   provide me the wrong tracking info. There link sent me to XXXX XXXX web site when i later found out XXXX XXXX   was handling shipment. This delay in not knowing where my shipment was is critical to what became a real mess. My shipment sat at XXXX XXXX XXXX in XXXX for three days and I still did not know it was there. With XXXX XXXX  you must make arrangements with them to get delivery. They said they tried to deliver to my street using a tractor trailer insead of a box truck and where turned away by police..They said they would try redeliver the next day using box truck. Instead they told me if i want the shipment i would have to repay deliver fee. I told them i was not going to do that i did npthing wrong. To make a long story short my credit card is still trying to charge me for a shipment i did not recieve.
Product: Mortgage

In XX/XX/XXXX our mortgage payments increased by {$28.00} per month due to start in XXXX. We pay our mortgage on the 3rd Wednesday of every month prior to the due month ( ie payment XX/XX/XXXX is for XXXX mortgage ). Our auto pay bill payment did not adjust until the XXXX payment for XXXX mortgage, causing our XXXX payment to be short the {$28.00}. On the XXXX payment it shows the new payment amount due in XXXX. We were not aware of the underpayment and received no notification from the mortgage company ( XXXX sub serviced by XXXX XXXX ). It wasnt until late XXXX that I noticed that there was additional charges on our statements and my husband called to ask why. He was told we missed a payment and were paying in the rears. I called them again XX/XX/XXXX. I was then told that in XXXX the payment that was shorted {$28.00} was put into principal and the payment meant for XXXX was used instead causing us a late charge of around {$50.00} each month since. Now it shows our payment is late every month and in order to bring everything back forward we now have to pay an extra mortgage payment of {$1300.00} ( the adjusted mortgage ) and total extra charges added of {$200.00}. The most the mortgage has offered us is that they would remove up to 2 late payments of {$50.00}. This was all for being short one time of {$28.00} and not being notified so that we could pay that. I was on the phone with them for XXXX hour XXXX minutes, 5 people, 2 supervisors, and the 2nd supervisor hung up on me after telling me that I could not wait for anyone else to help and that someone would call me within XXXX  hours. I have not received another call as of today.
Product: Credit reporting or other personal consumer reports

I am requesting that this security freeze to be remove as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of financial fraud. In XX/XX/2021, a checking account was opened under my name and social security number at a bank that I do not have any financial relationship with. I discovered this when introductory checks were sent to my home address for the account which I did not open. I took all the time-consuming recommended steps to address this issue, including filing a police report, opening an FTC identity theft report and following all instructions, obtaining an affidavit from the bank where the fraudulent account was opened, gathering documents, and going through the steps to have an extended fraud alert placed on my file with one of the credit bureaus. 

I supplied XXXX with all the requested documentation and XXXX placed an extended fraud alert on my file. Although this should be adequate to have an extended fraud alert placed on my credit reports with other credit bureaus, XXXX says they have not placed a fraud alert on my file and I have no idea if Transunion has or not. 

XXXX says they do not have a fraud alert on my file and I have been told by an XXXX representative that XXXX has no record of a fraud alert notification for me. 

I do not know if Transunion has a fraud alert on my file. I was unable to overcome Transunion 's IVR system that blocks consumers from speaking with a live person so I have been unable to inquire if Transunion has placed a fraud alert on my file or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I co signed for another person to get a vehicle. The car dealership wan only supposed to go with XXXX XXXX however my credit was hit with nine different inquiries and XXXX XXXX was on my credit report 2 times. The following inquiries were on my report as follows : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/ XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I did not give any consent to the other inquiries and believe the dealership did this to find the best deal however I was not notified at all when my credit was run 9 different times.
Product: Credit card

I HAVE A COMPLAINT WITH WELLS FARGO ( XXXX XXXX ) CREDIT CARDI DID A BALANCE TRANSFER FROM WELLS FARGO TO XXXX XXXX CREDIT CARD, THE PAYMENT CASHED BY WELLS FARGO AND LEFT A SMALL BALANCEBUT ABOUT XXXX WEEKS WELLS FARGO STATING THE CHECK GOT REJECTED BY XXXX XXXX XXXX, I TALKED TO XXXX XXXX AND THEY SAID IT WAS CLEARED ON THIER END, I EVEN SENT AND FAXED A COPY OF THE CHECK TO WELLS FARGO, THIS ISSUE IS STILL NOT SOLVED, I EVEN HAD WELLS FARGO AND XXXX XXXX ON XXXX WAY CALL AND STILL NOTHING
Product: Credit card or prepaid card

Date of transaction : XX/XX/20 Amount of transaction : {$620.00} I rented a vehicle from XX/XX/20 until XX/XX/20. The vehicle did not function and/or was unsafe to drive on multiple occasions. The merchant said they would issue credit. The merchant did not issue credit like they said. I initiated a dispute with Capital One. Capital One issued a temporary credit. Capital One then suspended the temporary credit and requested I sign a document in order to continue the dispute. I signed the document to request the dispute be continued. A few days later Capital One sent me a letter saying my dispute was closed because I did not provided all of the information, and " When you give your credit card number to a merchant when securing services or merchandise, you are authorizing a charge by that merchant. We can only request a credit from a merchant if we can document how the merchant violated an operating guideline, rule or regulation. '' I then contacted Capital One through the chat function on their website. I requested an accommodation under the ADA Title III that Capital One provide clarification as to why my dispute was closed. The representative then closed the chat function without responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. DPTEDXXXX  XXXX {$760.00}
Product: Checking or savings account

On XX/XX/2020 I opened a checking and savings account that was offering {$500.00} bonus. the bonus offer was addressed to and mailed directly to me. i satisfied all of the requirements I still haven't received the bonus. The mailing had the following offer attached : " Earn Up to {$500.00} when you open checking, savings, or both. {$300.00} when you open a TD Beyond checking account and have {$2500.00} in direct deposits within 60 days. {$200.00} when you open a new TD personal savings account, deposit at least {$20000.00} in new money in the first 20 days and keep at least {$20000.00} balance for 90 days. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following : XXXX XXXX XXXX XXXX XXXX ( XXXX ) account delinquency. On XX/XX/XXXX XXXX XXXX Active Deficiency Specialist for XXXX   notified me via phone that XXXX failed to provide the contract extension agreement for XX/XX/XXXX to XX/XX/XXXX to XXXX XXXX for claim XXXX so that GAP Policy XXXX would satisfy the account. XXXX XXXX issued payment to satisfy the remaining balance following receipt of the contract extension agreement. XXXX XXXX stated my only remedy would be to dispute the item with the credit bureaus, as XXXX would not remove the negative item. I am requesting that the item be modified to accurately reflect the account status as the delinquency was due to a lapse on the part of XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2020. I am a United States veteran. Moneygram International withdrew {$600.00} from my bank account ( debit card ). I was given a reference number and an e-mail that the transfer was sent. When the receiver went to get the money they stated they needed my I.D . I went in person to Walmart.  The Walmart agent called Moneygram to verify that myself, the sender, was present with my I.D . along with the receiver. The receiver attempted twice to get the money. The system crashed the first time and the second time was when it was said my I.D . was needed which a Wal-Mart supervisor verified after being questioned by the Moneygram agent. It was hours between the time I did the online transaction and the time the receiver attempted to get the money. So an e-mail could have been sent to alert me of any issues ; yet nothing was sent. Now the transaction got cancelled and I was told I would have to wait 3 to 10 days to get my {$600.00} sent to my account. I was getting the money to help my sick mother with XXXX   problems pay her residential expenses emergently and they put me in a bad situation biasly. I heard much laughter in tge background during the call. Reference number for the transaction at Moneygram is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collections listed below need to be removed from my credit report because there's no paperwork that legally verifies them. This is false reporting and a violation of section 609! How can you continue to report, while they continue to attempt to collect by reporting, when neither one of you can prove that these accounts are mine? I was told that there's no record of my info matching these accounts, so why are they still reported on here and how can you be verifying them as accurate? It's absolutely impossible and I believe that there isn't even an investigation occurring. Without signed contracts, a copy of my id and ssc, these accounts are illegally reported and need to be removed at once : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2022, i decided to trade in my old car for another vehicle at a Car dealership. I wanted to fund with XXXX XXXXXXXX, since i had an account there, or XXXX  or XXXX XXXX. I financed with XXXX XXXX for the purchase of this vehicle. I did not give consent for any other inquiries to be made, that which include six or so financial lenders requested without my consent, and made on behalf of the dealership without my knowing. I file this dispute to remove unauthorized inquiries that show on my credit report made on XX/XX/2022, by the exception of XXXX XXXX co.
Product: Credit card or prepaid card

I am writing this letter to give you notice that i AM OWED {$16.00} in rewards from American Express for purchases made on XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX and XX/XX/XXXX from their merchant XXXX XXXX XXXX WA ( also known as XXXX Fresh located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX ). This location has been mis-categorizing purchases made on my XXXX XXXX XXXX American Express XXXX XXXX XXXX occasions. On XXXX XXXX, XXXX American Express credited {$11.00} for my purchases made XXXX XXXX and XXXX XXXX but don't be fooled because this covers only a small portion of the cashback rewards they promised. The merchant continues to not categorizing the purchases as XXXX XXXX. Because of this mis-categorization of 1 %, the promised reward of 6 % has been denied. 

This complaint is to ask for the 5 % differential monies of {$16.00} owed for my purchases listed above.
Product: Debt collection

This account was previously deleted from my credit report from two other collection agencies as there was an error and they continue to report it. I do not owe {$350.00} and they are reporting this account was opened on   XXXX   XXXX     which is not true. I have been fighting this for years.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your previous investigation. I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit score. Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Please see referenced accounts below : XXXX. XXXX XXXXXXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Requesting this account be removed from credit report XXXX. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXXXXXX XXXX XXXX Its on my account twice. 
Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute inaccurate information, as permitted under FCRA ( sect 611 ) regarding XXXX XXXX # XXXX with this CRA, Equifax, because the information reported on my credit file is inaccurate. Equifax has responded on a number of occasions that " we have verified that this item has been reported correctly ''. 

I have repeatedly demonstrated to the CRA that the information is not only inaccurate, but inconsistent. For example, Equifax is reporting a date of first delinquency before the " assigned date ''. It is reporting this delinquency for an entity ( XXXX XXXX ) whom I have never had a contractual relationship with that would create such a delinquency. 

Under FCRA, section 611, in previous disputes, I asked Equifax to provide verification, update or remove the account. Equifax has stated that what is inaccurate - is accurate which is a violation. Specifically, they are reporting that I have a date of first delinquency of XX/XX/2019 with XXXX XXXX even though I have never had a relationship with them. 

I have repeatedly asked Equifax to delete this item from my credit file on the grounds that there is unverifiable information, and this action is required by Federal Law.