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

This is not a duplicate complaint, please do not flag this as such. 

I am XXXX XXXX, and I alone, am submitting this complaint. 

I am not willing to be the middleman in this issue, as it is ultimately between you as a Data Furnisher ( XXXX - XXXX ) and the CRAs. 

XXXX - XXXX, is the Tradeline The request is to fix your data and in compliance with Metro2 data standards, so the record in your system - produces itself in a file then sent to a consumer profile/report correctly or delete it. 

Please let this complaint, reiterate the Do not Contact request previously supplied to you, except and as allowed through this portal, and then the laws that govern them. 

This complaint, nor the previous one - was never a request to validate any alleged debt. Instead, it is and was based on this Data Furnisher ( XXXX - XXXX ) reporting inaccurate, incomplete and then misleading data intentionally - to CRA 's, and have failed to respond to the noted issues. 

The responsibility of a Data Furnisher, I am relying on is based on FCRA FDCPA and e- cfr. 

https : //www.ecfr.gov/cgi-bin/text-idx? XXXX & mc=true & XXXX & XXXX For the CRA 's - Its simply FCRA. 

XXXX Score Calculations are based on 5 elements of a Tradeline, or Tradelines existing in/on a consumers profile/report. I have attached the description from XXXX as XXXX XXXX Ingredients, the source. XXXX Scoring calculations, are not different for each CRA. 
Payment History Amount of Debt Length of Credit History Amount of New Credit Credit mix Understanding this by then sending data to a CRA, maliciously / intentionally / or ignorantly data, that should be known with forethought, validation and oversight / QA, as the result becomes almost unreasonable to me, and then industry, governance, legal and compliance expectations. It is not until missed payments, collections and the like occur does the data go so far south that one must question its intent. 

IT testing, when files are sent or built, are part of a typical SDLC where expected results are defined. Comenity - XXXX is in acceptance of the demonstrative issues in this complaint, or any previous as their normal standard of delivery - and standards. 

I will also share what I have learned, painfully, for and to all consumers who see your entity on their report for this journey. 

Please Fix the tradeline so that the data collected from your systems, is produced in a file that is Metro2 compliant, sent to a CRA, and then as a Debt collector - or delete it. 
The Data exchange between the OC and the CRA with due diligence, and or discovery can and will flush this out. 

XXXX in theory verifies the true expected results XXXX is saying is acceptable. 

See attached, for specific complaint details. 

This complaint is based on FCRA and FDCPA. 

Metro2 guidelines are the standard. 

DOFD/FACRA Date, FCRA - accuracy in reporting, Charge off balances, Pay History - Balance History and Rating History - and false/malicious data - being reported on my tradelines at all 3 CRA 's They are included in this complaint.
Product: Credit reporting or other personal consumer reports

I was shocked this morning to find inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, but this time there were unexpected discrepancies. I even tried refreshing the browser, thinking it was a glitch, but nothing changed. Now, Im asking for a thorough review of the documents Ive sent so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported and the account with XXXX is FRAUD. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide documentation used to determine inquiry and XXXX account was indeed authorized by the consumer. TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used and signed application with consumer WET INK SIGNATURE. Consumer is not asking for an E-Oscar report. If TRANSUNION does not have documentation to show these were in fact authorized, it must be removed asap. Said company is liable under the SEC to follow certain rules. TRANSUNION Commission file number XXXX. I will be filing form 211 treasury omb forms to audit consumers account. TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their Consumer File NOT Consumer Report.
Product: Checking or savings account

I have over draft protection. And Im still being charged with over draft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my [ TransUnion, XXXX, or XXXX ] consumer report : XXXX XXXX SS. XXXX DL XXXX After recently reviewing my credit report I notice several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX ) in the ( Balance ). It is your duty to ensure that all information reported is consistent a most importantly accurate and credit report agency failed to do so. I request DELETE this erroneous item immediately. That affect my credit am my self with out reason. Also am try to get my sold letter with my lender until XX/XX/2021 and they bring excuses still work in it. 

Dispute Account for Lenders or Institutions ( Inaccurate Reported ) - XXXX XXXX XXXX XXXX For the Following Reasons : Balance of {$4000.00} is Inaccurate Reported Paid as agreed on XX/XX/2021 Balance must be in XXXX account paid Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX started to collect on a debt I am not aware of. I asked them to validate the debt but failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I experienced fraudulent activity on my personal checking account and had to close the account and open a new account. During this time, I had to contact all of my creditors and inform them of the new account information and setup auto-drafts all over again. Chase Bank was one of these creditors. I did not make any changes to my auto-draft with Chase Bank `` Freedom Card '' because it did not have a balance and no amounts were being auto-drafted at the time. Sometime in XXXX, Chase Bank enrolled me in " paperless statements '' without my consent or permission. I have never opted into paperless statements because in past experiences, the email that I received about my new statement would end up in the " spam folder '' of my email. In XXXX of XXXX I used my Chase Freedom Card for a series of purchases totaling around {$550.00}. I was under the assumption that the auto-draft was still in place and that a statement would come in the mail, but it never auto-drafted and a statement never came. Sometime in XX/XX/XXXX I received a call from Chase Bank informing me that my credit card account was more than 40 days past due. I immediately made a payment to clear the matter up. I then began investigating how this happened and why. I found out, after speaking with Chase Bank 's Executive Team that my account was enrolled in paperless statements and that my auto-draft had been cancelled by " CHASE BANK ''. I did not cancel the auto-draft, Chase Bank cancelled it. Not only did they cancel it, but the communication that it had been cancelled was sent via email due to the paperless statements that I was incorrectly enrolled in by Chase Bank. Chase informed me that I signed up for paperless statements, however I did no such thing. I informed Chase Bank of this and they simply ignored it. They also ignored the fact that they cancelled the auto-draft, not me. After completing some research, I found out that Chase Bank incorporates a pop-up window on their website for my credit card account. On this pop-up, you must hit the " continue '' button. Before hitting the continue button, I noticed that there is a " check box '' that is already checked before you hit continue. What this means is that Chase Bank is forcing consumers to agree to paperless statements, without the consumer knowing because this " check box '' is already " PRE-CHECKED ''. What this means is that the consumer must first look closely to see that the box is already checked and they must " un-check '' the box before hitting the " continue '' button. This is a major issue and will likely lead to a Large Class Action Lawsuit against Chase Bank. If I can not get this issue resolved with Chase Bank, I will be the one that initiates this Class Action Lawsuit. After bringing light of all of this to Chase Bank, they continue to refuse to acknowledge this issue and refuse to correct my credit bureau report. I have been utilizing credit since I was XXXX XXXX XXXX and in my 16 years of using credit, I have never paid anything late EVER.
Product: Money transfer, virtual currency, or money service

This is XXXX XXXX cash app closed my account for no reason saying my account was having suspicious activity on my cash app and you couldnt talk to a real customer service person they couldnt tell me why my account was closed
Product: Debt collection

I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, SC in XX/XX/XXXX. It was a brand new vehicle. To make a very long story short, I had to get my engine replaced in late XXXX due to the engine malfunctioning and it throwing a rod. It took 3 months to repair because the dealership was behind due to other people having engine malfunctions. It took weeks to get a rental which was hectic because me and my husband both worked and commuted with a XXXXyear old. After my husband drove my car off the lot, my car was sounding a little funny, almost like a sucking nose that we ended up having to take back to the dealership to have them tell me that I needed to pay a diagnostic charge even though my car was well under warranty limit. I ended up speaking with the manager and he had the technician look at it to only be told it was nothing engine related even though my engine light was on! A few months after that, my car started losing power and was inoperable. I had it towed to the same dealership only to be told that I needed another engine replacement due to low pressure in one cylinder! The dealership told me that I would be responsible to pay and the warranty would not cover repairs since they already took care of it the first time. The cost to repair would have been over what the value of my car is. Me and my husband had to leave my car at the dealership since it was not drive-able. I received a letter in XX/XX/XXXX stating that they plan on selling the vehicle and they ended up selling the vehicle at auction for {$1700.00} in XX/XX/XXXX. I recently just found out that my car is under recall for the same reasons it was in the shop the first 3 times since XX/XX/XXXX. Hyundai concludes that the XXXX XXXX  were having engine and mechanical issues. I have a recall number and have spoke to 3 different departments to see what I can do to resolve the balance I have left to pay on the car of {$8700.00}. I knew there must have been an issue since the last few times Ive went to the dealership there were a lot of vehicles needing engine replacements. I have documentation that states the dealership used faulty parts in the first engine repair And I believe it wasnt fixed correctly the first time. If it had been recognized sooner, I could still be driving my vehicle and have the issues fixed but because Hyundai waited to long to investigate the issues I have to suffer. Ive sent 2 letters to the CEO to have my case reviewed because it is not fair to me. This has been frustrating to deal with the past few years and its affecting me and my husbands credit and I need it resolved especially since this was not our faults and we were denied the use of the warranty we were paying for. These vehicles are not safe.
Product: Mortgage

My mortgage payments have not been applied to my account. My husband and I have never been 30 days late on mortgage payments. We continuously receive late notices and foreclosure letters. This has been going on before XX/XX/XXXX through XX/XX/XXXX. The mortgage company is stating that we are approximately {$3800.00} behind in our mortgage. 

I have called the mortgage company to let them know that we have NEVER paid our mortgage late. We pay our mortgage via XXXX XXXX and we have all of our receipts. I tried to set up online payments through the mortgage company 's website but was told by a customer service representative that we must bring our account current. This is very frustrating because our account is not delinquent. The company did not apply our payments correctly.
Product: Vehicle loan or lease

In year XXXX XXXX , Credit Acceptance gave me my monthly call for payment like clock work. I've made monthly payments of XXXX to credit acceptance for a total of 1 year and 6 months never late. I spoke with a customer rep name XXXX, I told her I would be late this month due to personal matters and I asked if there could be a week extension she said she couldn't make that happen. I explained to her I've never been late and due to me going threw a divorce I just didn't have all the funds cause I was paying for a divorce. The rep XXXX told me I'm sorry but we all have lives if you need a job we're always hiring and proceeded to give me the websites credit acceptance online careers info. I was polite and said thanks but this dose not change my situation she said well what can you put down I said I can't put full amount I can put XXXX down and I need an extension for remaining balance. Rep XXXX finally took and all the sudden could honor my extension. 
So for my used XXXX XXXX XXXX 4 door silver balance for vehicle was XXXX. After getting extension I requested a total pay off quote for my vehicle. Well I found I was being charge a 26 percent arp which brought my pay off request to more than what the blue book value was for a used vehicle. So I said I couldn't afford that and rep XXXX proceeding to tell me responsibility and how repression is started. I told her please can I do promised weekly payments and answer was no. So I tried to make next payment and failed due to late payment and fees and new payment. Credit acceptance made me fail due to crazy payments. Now I'm a XXXX XXXX with XXXX loans and now have a repression on My credit report and now turned away for another loan. This has caused so much issues I will never suggest credit acceptance to Noone. Due to all this inconvenience XXXX  XXXX is XXXX and I'm stuck paying XXXX for my vehicle be taken due to late payment arrangement. Thanks credit acceptance for not helping us low income XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I was asked for verification of ID and address, paypal did not accept it and XXXX was completely unhelpful. Later closed account with all money in it. 
I was asked to verify my account details approximately a month ago. I uploaded a picture of my passport and it was accepted, but when it came to address, they rejected it. 

I uploaded a copy of my electricity bill as given to me by my landlord, and it was rejected. Customer support was completely unhelpful and basically didn't even read my complaints. I was told that there was certain criteria, and it all met it. I asked for a call back by XXXX and was later given one. The guy on the phone told me that the upload actually failed, and that they did not receive anything from me. I reuploaded the scan of the bill. The next day, I received an email stating that my account has been terminated ( The XXXX ). I tried calling them and was redirected online. All my messages and emails to paypal have been unsuccessful and not responded to. I also tried to message them on XXXX with no response. This was in XX/XX/2020. They wanted me to wait 180 days to get my money back, but it has been much more than that, and I have yet to get my money back from Paypal. They additionally are completely unresponsive to both messages, and the phone line redirects me to the message center on paypal, which does not respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Prepaid card

I purchased a {$500.00} Vanilla Visa Gift Card from my local XXXX on XX/XX/XXXX. However, when I removed the gift card from the packaging and tried activating the gift card online, I saw there was a little more than {$8.00} value left. My gift card was drained before I could spend it. Transaction history showed that the scammer bought a {$200.00} XXXX gift card on XX/XX/XXXX, spent {$44.00} at XXXX XXXX on XX/XX/XXXX, a {$100.00} XXXX gift card on XX/XX/XXXX, spent {$47.00} at XXXX XXXX on XX/XX/XXXX, and finally another {$100.00} XXXX gift card on XX/XX/XXXX. These purchases were not made by me and I submitted a dispute on XX/XX/XXXX. In retrospect, the gift card cardboard packaging opened too easily, like following along the weak spots of premade cuts and creases, and not like other gift cards I've opened before. The letter font on the gift card itself looked suspiciously different than other ones I've seen before, and the ink color appeared faded and worn, not bold and crisp. I contacted XXXX XXXX to inform them of the fraud on XX/XX/XXXX. I called XXXX Customer Service to explain my situation in hopes of reversing the charges, but to no avail. I filed a dispute with InComm of Vanilla Gifts in hopes of retrieving my lost funds, but was disappointedly declined approval of the dispute based on their evidence, with a formal final letter sent to me via email by the company on XX/XX/XXXX. However, during the investigation, I tried contacting the InComm Dispute Resolution Team via email on two separate occasions ( XX/XX/XXXX and XXXX ) to inquire about updates on my case number - XXXX - and see whether they need any evidence or testimony I could provide. I did not receive a reply from the Resolution Team throughout the whole duration. Calling the provided customer service line only lead me in an endless circle of automated menu option responses without being able to actually speak to a representative, with the most recent call being placed on XX/XX/XXXX. The only " answer '' I received after entering my afflicted gift card number was a robotic voice that said " an investigation is ongoing and returning to main menu ''. I could only track the status of my case number online to see an estimated resolution date, but was not able to communicate with InComm or its affiliates in any way. On XX/XX/XXXX I submitted a fraud report to the Federal Trade Commission ( FTC ) as I've become another victim of the gift card draining scam, and I feel evidently powerless to get my money back.
Product: Mortgage

Hello, We came out of a loan modification with Caliber Home Loans end of XX/XX/XXXX. 

XX/XX/XXXX When I called XXXX in XX/XX/XXXX to make my first payment after completion of the loan modification. The person I was speaking with was all confused about what I needed to pay. They finally gave me an amount of XXXX. I made the payment through XXXX XXXX on XX/XX/XXXX. 

XX/XX/XXXX I was ready to make another payment in XX/XX/XXXX and the person I was speaking with at Caliber said the amount to pay was XXXX. I was annoyed with them because they did not get it right the first time in XX/XX/XXXX. I made the payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX I checked Caliber website and noticed that my payment for XX/XX/XXXX did not show up as paid. I called Caliber and asked them to correct the problem. They said they would look into it and see what they could do. I made a payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX, I check Caliber website again and problem with XXXX still not corrected. 
I made a payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX I check with Caliber webite again and no change. I called Caliber and the said that the XXXX I paid in XX/XX/XXXX went into suspense. That I needed to pay an additional XXXX to make XX/XX/XXXX correct. I made the payment on XX/XX/XXXX. I called a few days later and they said they would fix it. I made XXXX XXXX on XX/XX/XXXX. 

XX/XX/XXXX I check with Caliber to see if they fixed the problem. Not fixed yet. I made a payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX I made a payment on XX/XX/XXXX for XXXX payment. Caliber website still show me behind a month. I called and spoke with a customer service person and now they are saying payment for XXXX was declined. I can not get them to straighten out my mortgage payments. Caliber Home Loans does not know what they are doing. Please help. 

XXXX
Product: Money transfer, virtual currency, or money service

XXXX dollars was fraudulently wire transferred out of my bank account by a XXXX XXXX I submitted a claim for the money and Wells Fargo has yet to pay it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. XXXX XXXX XXXX XXXX  ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of XXXX and XXXX  and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. PORTFOLIO ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IM BEING CHARGED DOUBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.