23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I purchased a vehicle from Honda and financed with Honda Financial Services on XX/XX/2020. I received my first bill ( Statement date XX/XX/2020 ) with a due date of XX/XX/2020. I was eager to sign up for online access. However, I could not even register my account as the site didn't recognize my email, Honda Account number or Honda ID. 
Every attempt to try and register my account at Hondafinancialservices.com was unsuccessful. Every attempt created an " error '' message until finally a message showed up that I had one more attempt before being locked out. I tried calling the " Customer Services '' line and have each week for the past eight weeks. Sometimes I wait over 48 minutes, sometimes over an hour. No one answers this line, ever. The recording loops and loops with no one that ever picks up. There is nowhere on their website for a " chat '' or to ask for any help. All the queries I have done to do this myself come back to the same website with the same XXXX number. ( XXXX ) I called the dealership to be told that they are a separate company and that they can't help me. I tried the warranty company to be told the same thing. I mailed my second check yesterday to Honda Financial Services as I have no way of managing my account via the internet. As I have no way of gaining access to my account online Honda Financial Services has put me in a position of great danger in that it will only take one check applied incorrectly by them or one check lost in the mail to ruin my credit. 

This is extremely serious as I have no way of checking that my payment is being applied to my account. They have the ability to ruin the good credit that I have carefully built and am proud of. As I no one else to turn to I plead for you to help me fix this with Honda Financial Services.
Product: Money transfer, virtual currency, or money service

I deposited {$15000.00} in Coinbase to purchase cryptocurrency. At first exchange Coinbase said I have to wait a week, which I was fine with. Then they asked me to wait 44 days. I called customer support to complain and they said its because of their anti money laundering policy. The. I went to check on my transaction and now its pending for 70 days. It doesnt take that long to process the money is out of my bank account and with my Coinbase. The money is in Coinbase and I cant do anything. I cant even withdraw to go to another exchange.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Request to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXXXXXX account ( Account # XXXX ). Despite my repeated requests for correction through disputes filed on XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, no changes have been made to address the inaccuracies. These unresolved issues are in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Payment History Discrepancies The payment history for this account contains significant inaccuracies : XXXX reports a XXXX late payment for XX/XX/XXXX, which is incorrect. 
Experian reports a XXXX late payment for XX/XX/XXXX, which is also inaccurate. 
XXXX inaccurately reflects the account as having a XXXX late payment despite showing no late payments in the detailed two-year payment history. 
These discrepancies among the credit bureaus highlight a failure to maintain consistent and accurate reporting of my payment history. The XXXX late payments reported by XXXX and Experian are false and unsupported by any records. 
FCRA Violations 15 U.S. Code 1681i : Mandates credit reporting agencies to ensure the accuracy of information in consumer files. XXXX has failed to investigate and correct the disputed information. 
15 U.S. Code 1681e ( b ) : Requires credit reporting agencies to adopt reasonable procedures to assure maximum possible accuracy of the information they report.

TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reporting of a late payment indicates non-compliance with this requirement. 
Impact of Inaccuracy This erroneous reporting has caused significant harm to my creditworthiness and financial standing, creating barriers to obtaining credit at favorable terms. 
Previous Dispute History My first dispute regarding this issue was submitted on XXXX XX/XX/XXXX, and my second dispute on XXXX XX/XX/XXXX. Despite providing the necessary documentation to support my claims, no changes have been made to correct this error. 
Desired XXXX XXXX removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Attachments To assist with your investigation, I am including the following documents : A copy of my government-issued ID. 
A copy of my Social Security card. 
Copies of the dispute letters from XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 
A highlighted copy of my credit report showing the inaccuracies. 
If this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider seeking legal action to protect my federally granted consumer rights. 
I expect your response to this letter within 15 days as mandated by the FCRA. Please contact me if additional information or documentation is required to complete your investigation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding Transunion 's " XXXX XXXX '' alleged scoring system that I have been fighting with for at least two years. I have no outstanding credit except my primary residence. Yet, my score went down 23 points in one month. Balance down. Date of oldest accounts ( average accounts ) up. Should be higher, not lower. Then, in further insult, the reports state that I have not opened enough accounts and my available balance is too low!!! Yet, everyone knows that if I follow the alleged advice, my score would decrease by over 100 points ( hard credit hits are 20 to 30 points negative impact for at least 24 months. ) Then, Transunion would end up reporting that I have too much available revolving credit - since they do not use length of employment or income or assets any longer. 
It is simply outrageous and I am specifically harmed by their false score reporting. Every one is using the XXXX because it is funded and controlled by the big 5 CRAs and no way around them. Another example. I have been in my home 18 years which I bought for CASH. I re-financed to get cash out, then my loan was sold multiple times, w/o the lenders informing me until AFTER the portfolio went somewhere else. So, instead of Transunion linking these together as the same loan with the same Borrower ( me ) and the identical property ; they report these as if they are new loans - and only show me owning this home for two years ... not 18. No call to my bank ( 16 years ) ; lender, etc. has resulted in anything except silence or " it's not our problem - take it up with XXXX ( who will not respond ). Not only that, they actually provide no contact information - it's a circular jerk. They refer you to your bank or lender who then refers you bank to XXXX. According to them, I am just now 7 points shy of falling out of the best credit group. I need to buy my son a car soon, and some other things, and this will cost me at least 1 % more per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ( 2 ) accounts on file with CCS or Credit Collection Services that were paid on XX/XX/XXXX ( FILE # XXXX ) and XX/XX/XXXX ( FILE # XXXX ). Upon receipt of payment, the company agreed to remove/delete accounts from credit bureaus but has failed to done so. Please remove/delete these accounts per our agreement. Thank you for your time and patience in this matter.
Product: Mortgage

I am currently a customer of Quicken Loans with loan number XXXX. I am writing because I did submit a complaint to the state of XXXX XXXX  about my current situation. I moved out of the XXXX XXXX  apartment in XXXX and have since had a renter in the unit. Unfortunately, because of the state of the economy in XXXX, my apartment lost value and the mortgage has been under water since. The rent I receive from my renter does not cover all of the expenses in XXXX XXXX, and after much deliberation, I was finally able to get approved for at Short Sale in XXXX. Of course this could not have happened at a worse time, as the Coronavirus hit. My renter has always been very responsible and I have never defaulted on this loan with Quicken. But my renter did ask me this month if I was getting assistance from my lender for the mortgage because she may not be able to pay the rent. I told her I was not. Since she is so responsible she is struggling to pay me so that I don't default on the loan. This is an FHA loan and while I can not opt into a forbearance because I am approved for a short sale ( I have a a buyer - I had to get a second buyer because Quicken rejected my first buyer ). If I default, Quicken will report the default to the credit bureaus and I have really struggled to keep a default off of my credit report. My family is growing, we have to move into a different home in XXXX   and my father-in-law had XXXX so it affected my partner 's ability to add additional income into our home this month. For a company as large at Quicken to refuse to stop reporting to the credit bureau or to allow me to stop making payment for a loan that is under contract is ridiculous to me. There can not be so much red tape in this world that a company would refuse to help a customer who has never defaulted on a loan. I will say that I have been treated very poorly by Quicken since asking for the short sale, where I even had an argument with one of their service reps because she was uninformed. I am so concerned about cash as we are moving in two weeks and I have to come up with a deposit. I also paid the mortgage to quicken without actually being in the position to do so. XXXX is coming around and Quicken keeps delaying the close of this loan. I would appreciate any help as their response to the state of XXXX XXXX was that they gave me the option of forbearance ( but I would have to opt out of the short sale ). This is not option at all when what is clear is that I am financially strapped with no options. I will never work with Quicken Loans again.
Product: Money transfer, virtual currency, or money service

I am writing to informally express my concerns regarding XXXX handling of this dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.they informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank put a hard count on my credit report and I have never reached out to them for credit. This put a negative mark on my credit report.
Product: Debt collection

I got a complaint for old debt in 2018. I never got any collection letters at my current address. however was presented with summons at my house. I tried to called Jefferson capital and XXXX XXXX to pay this debt and get a settlement. I called and the number provided in the summons kept telling me the department is not there. Waited on hold multiple times to get disconnected. Representative are not knowledgeable or aware of this. No resolution. I even sent an email to XXXX XXXX with a response of asking for my number which I provided. 
I also called on XX/XX/XXXX to be on hold asking for my information and then getting disconnected. This is not an excuse or a way to collect debt being inhuman.
Product: Credit reporting or other personal consumer reports

Remove late fee and charge offs on my credit reports that were not supposed to be reported from XXXX, due to the hardship of the pandemic. 

I found late payments from my credit card that were reported to all XXXX bureaus. 
XXXXXXXX XXXX  : XXXX ; Charge off : XXXX XXXX : XXXX ; Charge off : XXXX XXXX XXXX : XXXX ; Charge off : XXXX XXXX XXXXXXXX : XXXX ; Charge off : XXXX
Product: Credit card

I used this card once and paid it off. That payment was made on XX/XX/2023 in the amount of {$90.00} dollars ; however it was paid two days after the due date and I received a past due charge for XXXX and XXXX. I paid the past due amount and account was paid in full on XX/XX/2023 in the amount of {$100.00} dollars. I have since received two bills on the account. When I called to discuss the situation I got some double talk which made no sense to me and I continued to ask why I am being billed on a closed account. Since what the service rep was saying to me made no sense to me I hung up.
Product: Checking or savings account

I had cashiers checks stolen ( {$2800.00} ) and Chase is refusing to work with the perpetrators bank to reverse the charges and ignoring my calls.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report fraudulent activity on my credit report. I have already taken the following steps : XXXX. Filed an identity theft report with my local police department ( attached ). 
XXXX. Completed and submitted an FTC Identity Theft Report ( attached ). 

The accounts/items listed below were fraudulently opened or misused in my name without my knowledge or consent. Despite my filing of a police report, I have noticed additional accounts and/or items being reported on my credit file that are unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition to those accounts theres an inquiry for XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until today I have been disputing fraudulent collection accounts fraudulent addresses and names that are spelled incorrectly on my credit report the only things I have been offered is freezing my credit which i had tried for almost a year and mad no difference in fraudulent charges being added onto my credit account even though my credit was frozen the creditors still allowed fraudulent debit collectors to add charges to my credit report Ive also been offered free credit monitoring and an added statement to my report warning that there has been and may still be fraudulent charges added to my report I have spoken to all credit bureaus over the phone pleading for them to stop letting fraudulent activities go on my report on my behalf and yet still 10 years later I am still waiting for someone to help me repair my report and reputation I have many inaccuracies on my report and it effects me so badly I have never been able to utilize my credit in an way possible I have also complained to the credit bureaus about an fraudulent secured credit card I had received 7 years ago that didnt not have the right no charge off on my report because I had placed a deposit on the card to receive it and I was also paying for loss insurance XXXX XXXX had offered to me when I signed up for the credit card which was supposed to be an option that allowed me to pay the card off in full if there was an emergency like a loss of job or other financial emergencies in which XXXX XXXX never condoned or even offered this incentive I payed for when I had experienced sudden loss of financial willingness to pay my monthly bill I to also have a problem with the credit card company XXXX XXXX XXXX card fraudulently changing the dates on my report they have changed the date I received the card they have swapped older dates for newer ones so that the collection account the company has on my credit report will stay up to date and never expire For the last 9 years I have also had my state tax return taken away from me to pay fraudulent debts to an unknown company that takes advantage of the Kansas offset program and there has been several instances where I had no idea what happen to my state return where it went and why and I have given the Kansas offset program calls multiple times and I have never been told anything except my money was taken for an ambulance bill for the last 9 years i feel that I my financial stability has been robbed from me and I have lost all hope at this time because someone else is using my information to do whatever they want and there is nothing I can do about it
Product: Money transfer, virtual currency, or money service

I created an account with TRUST wallet in XXXX of 2022, at the time I barely used it, it wasn't until XXXX that I decided to transfer more money to store my savings in crytpo, around {$4000.00}. 
On XXXX the XXXX of this year XXXX were stolen from my wallet Along with XXXX worth of ETH. I believe it is related to a vulnerabilty that the company admitted https : XXXX, since it fits the frame time in which said vulnerable accounts were created and how they were created ( through the chrome extension ). 
They are not only addmitting the issue, they have made some refunds https : XXXX I contacted the company in three ocasions, the first two times, they inquired further into the issue, and asked for information about the stolen funds, which I provided in full, including the hash containing the address that took the money XXXX In those two ocassions they closed the tickets and completely disregarded my claim without providing any information at all. 
The last time I contacted them was through the form that they provided for the people affected by the vulnerability, which was also disregarded but this time they said that since I didnt get a notification about the issue on my app, they could conclude that I wasnt affected by it and that I should feel safe now to use the wallet. 
I'm attaching the addresses from which the money was taken. 
This is all I can think of right now. 
Hope you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts have violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I Have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2.It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/year> I was contacted by FOUND XXXX from the toll-free number listed online and from the back of my business card, advising me of fraudulent activity. They provided information to me first and then proceeded to verify I was the owner of the account. IMMEDIATELY after verifying my information and receiving text alerts from FOUND XXXX, approximately {$4500.00} was stolen from my account while on the phone with their care department. My call records and text records show that all correspondence was with this business and I have noticed several online complaints stating the same actions have happened to others. A few days following the call, I reached out to FOUND, only to be advised their fraud department does not speak with clients directly and I would be contacted via email. Following their reported investigation and several emails with " XXXX XXXX '' and " XXXX XXXX '', they stated I was responsible for the drafts which emptied my account and provided very vague details of their investigation. In addition, tax documents for my business are also lost.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How dare you people drop my credit score over using your so called XXXX XXXX. my credit history is perfect. I pride myself on that fact. please look into this or I will never upgrade my membership with you.
Product: Debt collection

The company has received a notice of debt collection for a debt that is not ours. 
The notice of collection is from Professional Bureau of Collections of Maryland , Inc . 
There is creditor listed : The XXXX XXXX The account balance is {$1000.00} No other information is provided.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax several times regarding XXXX XXXX XXXX  XXXX ( Acct # XXXX ) and XXXX  XXXX ( Acct # XXXX ) being reported inaccurately. Both of these accounts are falsely reporting late payments. I have asked Equifax to verify the late payments on these accounts. The dispute results came back as verified. I requested proof or documentation regarding the late payments on each account. The credit bureau will not supply the evidence. 

In accordance with the Fair Credit Billing Act and Fair Credit Reporting Act, I am requesting that Equifax provide me with a copy of the ( 21 ) day statements that was delivered to me prior to the billing due dates. If an e-statement was sent, please provide a copy of each email correspondence with the e-statement. If the statement was delivered by mail, please provide a copy the documents mailed and include the tracking details and/or return receipt. 

If evidence can not be provided that these late payments are valid and proper notification was provided prior to furnishing these delinquencies on my credit report, then the late payments must be removed from both accounts immediately. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I recently reviewed my credit report and noticed an account reporting that does not belong to me. XXXX XXXX is a fraudulent account and it needs to be removed immediately under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). I am attaching the FTC report that details the fraudulent activity.
Product: Checking or savings account

I paid my insurance policy on XXXX XXXX 2024 and I got my policy but the money wasnt taken out of my account so I called the insurance company and asked them did they receive the money and they told me they have the money I wouldnt never have got my policy if it wasnt paid. So I called my bank, Bank of America and I told them I just paid for my insurance policy and the money hasnt been taking out they told me they didnt see no transaction for XXXX XXXX so today I seen I owe {$500.00} to my insurance company and they said my bank disputed the transaction. I dont understand I paid a bill and it didnt go through because of the banks fault so can someone please call me or email me because this is not right I paid my money and they didnt send my money out especially for something that was important. I can explain more when I talk to someone
Product: Debt collection

Had a debt with XXXX of MA that I paid in full prior to them sending it to collections. I got a collection letter from convergent outsourcing, a few weeks later in which I figured that it would get corrected from the gas co. I now notice that they are reporting to all XXXX credit reports as unpaid even after I called them. they are not correcting this for me.