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

I've had a problem for months with Equifax in that I can no longer access my online information through Equifax or XXXX XXXX XXXX app. I've called numerous time and been instructed to change my password but that's the problem, I can't change it, I've lost total access to my account and need to speak to a tech person. I was told 4 weeks ago a ticket was put in for me and someone would phone but they haven't. If I can't get help from you and Equifax, I'll be filing a complaint with my state attorney generals office. This is ridiculous. Equifax is withholding access to my account and you are not helping. There is something seriously wrong with the information on the Equifax account, I believe it is related to a previous email and phone number I lost access to due to a scam. Someone has to help me!!! Best time to call me is any day after XXXXXXXX XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the end of XXXX due to a Tropical Storm, a declared disaster, and most of XXXX due to Covid 19 affecting my business I had difficulty making payments on this account. However, I do believe that some months that reflected as not paid were paid. 
I called XXXX XXXX  XXXX in XXXX and worked directly with them to pay the account and stated that I did not want this account to reflect as a charge off and would be willing to pay full amount with no discount provided that the account would not be closed reflecting a charge off status. I believe that the rep may have offered a small credit but it was agreed explicitly that once paid the account be marked paid in full and not be a charge off. 
After full payment-my report now shows " charge off " for every month from XX/XX/XXXX to XX/XX/XXXX. When I paid them the full balance ( possibly less a small credit ) it was agreed that this account would reflect paid in full and WOULD NOT be a charge off. 
I now have a monumental impact to my credit by having 12 charge off indicators on my report after I held up my end of the bargain and paid more then their offer of settlement in order to prevent this and make good on my obligations. 
I have disputed with XXXX XXXX  XXXX and the credit bureaus mainly Experian with no success in resolving this issue.
Product: Mortgage

I have a current mortgage account with OCWEN that they took over from GMAC when they went BK. 

they were reporting my payments to the XXXX credit agencies and then stopped. I filed a BK XXXX myself and it was discharged in 2012, they say even though I still pay my account on time, they do not have to report my payments to the credit agencies until 10 years. this is absurd, as all my other creditors still report.
Product: Debt collection

I disputed this debt with the credit bureau. 
I never authorized the sell of my debt to this debt collector. In addition, payment is being made to the original creditor and the balance is {$320.00} not {$580.00} as the debt collector is indicating.
Product: Debt collection

Contacted TransUnion several times in the past year regarding a collections account from XXXX XXXX opened on XX/XX/2021. I requested if TransUnion could provide me with details about this account such as an invoice, contract, or other documentation signed by me TransUnion failed to respond with any relevant information during the window stated by FCRA requirements. In fact, as of today TransUnion has still not provided me with any details about this debt in the last 12 months. Original balance on this account is {$450.00} and the balance on the account today is {$470.00} each month the balance amount keeps changing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, ( This was an early payment for XX/XX/XXXX payment ) I made a mortgage payment to XXXX XXXX. The payment was for {$3400.00}. However, I was notified at the last minute that my mortgage was going to transfer to Chase Mortgage. I contacted XXXX XXXX about this matter, and they told me that they were going to send the XXXX mortgage payment to Chase automatically. So, given I was instructed this, I left the situation alone. In XXXX, I get a notice that my payment was not received. I called Chase, and I was told that I was protected for 60 days as sometime mortgage companies are late with the transfer of payments. This past XXXX, I get a phone call from Chase that they reported me to Credit due to lack of payment. I asked them why, and they said that they never got the payment back in XXXX from XXXX XXXX 

Instantly, I contacted XXXX XXXX and they said they never got my XXXX 's payment. I called my bank and located the electronic payment, and it showed that I made the payment, and they received in on XX/XX/XXXX. In addition, I also have emails from XXXX XXXX indicating they received my payment. 

I have sent Chase various statements, pictures and documents showing proof that I made the payment on time, and XXXX XXXX did not due their part in the transfer. This has been going on for about a month, and despite all of the poof I have shown, Chase still will not remove the negative reporting on my credit. 

Given I have shown proven that I have made the payment, this is now no longer my issue. This is clearly between XXXX XXXX and Chase. Despite this, they still say the same thing to me every week " we are investigating about the matter ''.
Product: Credit reporting or other personal consumer reports

I have noticed incorrect inquiries on my credit report under 15 USC 1681c-2, which were not authorized. These are affecting my credit score, so I request the removal of all unauthorized hard inquiries. Thank you.
Product: Money transfer, virtual currency, or money service

I recently purchased the new Google XXXX XXXX XXXX and after attempting to add my XXXX account, it wouldn't allow me to and then I opened a support request. I then got an email stating they suspended my account for suspicious activity and need me to upload documents. I've uploaded the requested documents and continuously recieve an email stating the documents couldn't be verified. I've attempted multiple times to get help and no one will help me. I've submitted the documents in accordance with their requests and made sure the information was clear and legible. I'm including the documents they requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards with credit inquiries on my credit report, I do not validate these and never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Vehicle loan or lease

On XX/XX/XXXX my car financing company gave my loan to a company that doesnt honor my warranty. My cars company was called U.S. Auto Finance , Inc
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has provided false information to the CFPB and myself, the information they provided in a previous CFPB complaint stated they will conduct a reinvestigation, however that was a false statement. How could a reasonable investigation have been completed when the two accounts in question have not been updated?. One of the accounts has not been updated since 2019. Both of these accounts are still reporting false and missing information, a clear violation of the FCRA which state all information must be reporting 100 % accurate. Experian has had more than 30 days to do an investigation and has failed to do so. I demand the two accounts listed below be deleted immediately, or I will hold Experian liable for up to {$1000.00} per violation. XXXX Account Number : XXXX and XXXX XXXX Account Number : XXXX.
Product: Mortgage

On XX/XX/XXXX I was notified by my current mortgage lender, XXXX XXXX XXXX, that my mortgage was to be sold to BSI Financial Services effective XX/XX/XXXX. 
On XX/XX/XXXX I received a copy of the billing notice from my insurer for my homeowners policy with the total amount due, due date of XX/XX/XXXX and notification that the bill was sent to : BSI Financial Services Inc, XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
On XX/XX/XXXX I received a notice from my home insurer, XXXX XXXX XXXX XXXX XXXX XXXX., stating that due to non-payment of my homeowners policy my policy will expire on XX/XX/XXXX. 
I promptly contacted BSI Services customer support line ( XXXX ) and was told they never received a bill and that it was my job to notify my insurance company that my mortgage had been sold with the new contact information. The customer service rep continued by saying that this was stated in the notification letter I received from XXXX on XX/XX/XXXX. This is not factual and I shared that information with the BSI Financial representative. She ignored my rebuttal and provided me with the number for the BSI Insurance division and said I need to give that info to my insurer. 
I contacted my insurer on XX/XX/XXXX and gave them the info to contact BSI Insurance Division. 
On XX/XX/XXXX I received a call from my insurer stating that BSI Insurance Division was unable to find my account. I proceed to call BSI Insurance ( XXXX ) and was also told that they had no record of my account and that I needed to speak with BSI Customer Service! 
I immediately contacted BSI Customer Service who found my account and said that it might take 30-60 days for their Insurance Division to receive account information from a sale. They suggested sending the original bill in the mail to BSI ( which was already completed on XX/XX/XXXX ). 
Im at a total loss as to how this company is allowed to stay in business. They had {$2000.00} in my mortgage escrow as of XX/XX/XXXX, {$680.00} more than enough to pay for my homeowners insurance that they are responsible for paying. 
I implore you to hold this company accountable for their sloppy, inaccurate and inefficient processes.
Product: Debt collection

There is an erroneous debt on my credit which shows to be in collections. This was from an emergency room visit while on vacation last year. I have called my insurance, the hospital where I went to ER and their billing office. Billing office said I have XXXX balance. XXXX from ER was sent to my insurance. They paid their portion an amount was adjusted off and I paid my co-pay. They show it paid in full. This collection agency has been harassing me for over a year
Product: Vehicle loan or lease

GM Financial has the worst telephone customer service because they just make excuses and try to place blame on the consumer. They have no empathy and offer no solutions. When asked to speak to supervisors their employees say that their is no one above me. 

On XX/XX/2018 I was contacted by GM Financial to make a payment that I was 27 days late on an auto lease payment that was due on the XXXX. I did not have my bank account information on me at the time and so I came home and made the payment online and also changed my bank account information. The reason that I was late in the first place is because I changed my bank account and had closed my old bank account that was linked to the lease account on a reoccurring payment plan ( ACH ). I changed the XXXX XXXXk account information to the new bank account that I had established for the one time payment and also for future payments which I also thought was changing the ACH account. 

I just so happened to be looking at my GM accounts again in XXXX and then noticed that the automatic payment had not been pulling. I immediately made a payment and called customer service. Customer service told me that in order to establish a new ACH account that I would have to send a cancelled check and an automatic payment enrollment form. She was wrong because I successfully set it up without having to do that. I just went online and set it up as I thought I had before. The issue was that the reason it had not gone through before is because customer service first has to remove the original payment account. You would think that as a multi-billion dollar organization they would have a streamlined process in order to change the automatic payment details on your account. Aside from that the customer service representatives make no effort to properly inform the customers of the steps needed to change this as the first representative that I spoke to in XXXX made no indication that I had to do that. 

My XXXX has gone down from a XXXX credit to a XXXX average XXXX score with the three different credit bureaus and GM Financial gave me a fax number to write to dispute their reporting to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I submitted a formal dispute to TransUnion on [ insert date ], challenging the inaccurate reporting of multiple accounts on my credit report, specifically : XXXX XXXX XXXX XXXX ( Account # XXXX ) XX/XX/XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) I mailed this dispute via certified mail, and I have confirmation that it was delivered on XX/XX/year>2025. However, TransUnion responded by falsely claiming they never received my dispute. This response appears to be a delay tactic to avoid conducting the required investigation under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I followed the proper dispute process, provided supporting documentation, and requested verification of the accounts in question. Despite this, TransUnion has failed to investigate my dispute in good faith, violating my rights under federal law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

Mohela reported an inaccurate late payment on XX/XX/XXXX to the credit bureaus which made my XXXX XXXX drop XXXX points. I have been enrolled in graduate school since XX/XX/XXXX at Indiana University XXXX. XXXX submitted deferment papers verifying that I am enrolled in school. I contacted Mohela to confirm that the deferment was recieved on XX/XX/XXXX and was told that it was recieved on time. I asked why did the report a late payment to the credit bureau and the lady I spoke with said that it was incorrect and that I must file a complaint. I made XXXX attempts to speak with the office that handles credit complaints and the call was disconnected both times. I am very devasted by this injustice because I just fulfilled the requirements to be successfully XXXX from a XXXX XXXX XXXX  and am establishing my credit. This inaccurate reporting has hurt me significantly.
Product: Vehicle loan or lease

i was in a car accident in XXXX XXXX i had full coverage insurance and gap insurance on my vehicle so it was covered and the finance company was paid in full. this account is being reflected on my credit as a REPO instead of a paid off account. i am now unable to get another auto loan because of this. i have spoken to several reps from the company and they told me they could not provide me with verification of a credit dispute sent on my behalf and all they could give me was the payment history showing my car was paid off. i was also told i now have to go through the credit bureaus to get this fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, USCB AMERICA ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, USCB AMERICA ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying this student loan for years. Last year I reacached out to XXXX to inform them that due to financial difficulties I would like to request my due date chaged to the XXXX of each month since I was an educator and the date of my check was the XXXX of each month. The agent informed me that they can't do the XXXX but they was able to do the XXXX, I said perfect. I have made my payments on the XXXX of every month since the event as agreed. There were months where 2 payments were made. 

XXXX has caused significant damage to my credit report by reporting my payments late and charging a late fee. The payments were never 30-days late but they illegally reported my account as late/deliquent. As a result of this I was unable to help my daughter obtain a parent plus loan to continue her education. This is unfair to me and my family as the damages are setting my family behind.
Product: Vehicle loan or lease

My loan was in XXXX  I was lied to about the price I was lied to and con into a contract that I couldnt afford I was lied to about the total cost of the vehicle and loan I was lied to and stressed because I needed a vehicle for work they took advantage of my circumstances and add services and interest that I did not agree to nor did i understand or comprehend what they where doing Im asking that my case be heard in court or by the state of Michigan Attorney General they baited me they con me and they set me up to fail on purpose just like the other thousands of people in Michigan i also with like the information on the class action lawsuit against this company my whole life as been deeply disturbed and affected my mental health is declining and Im homeless because of these people tore my credit down took my car and are calling me every day telling me they are suing me Im suffering and I need help from the government and attorney General of Michigan to hear my case out I was in the group of XXXX that credit acceptance corporation took advantage of severely
Product: Prepaid card

On XX/XX/year> I went on XXXX to book a hotel stay for XX/XX/XXXX through XX/XX/XXXX The charge was pending for {$59.00}. when I went to the hotel to the front desk staff they stated they never received the booking confirmation the transaction was still pending so I requested for it to be canceled the hotel staff stated they would cancel it. I did not have time to wait so I went on to booking.com and made a reservation for XX/XX/XXXX through the XXXX. I contacted PayPal because that's the card that it was still pending on and advise them that I never stayed there and that payment should be refunded PayPal stated that the transaction never went through and it was voided. Then they charged me the next day or XXXX days later for {$59.00}. when I contacted PayPal back and told them that that transaction was voided and I spoke with someone there and they refunded the money why is it being taken again they stated they had to open a case for review. I still have not received my funds and the case is still being reviewed. I'm not sure how long that should take because that was on the XXXXXXXX XXXX XXXX it is now XXXXXXXX XXXX XXXXXXXX. Also when they took the money back it put my account in the negative {$39.00} so I had to put money back on there to go positive I want that refunded as well
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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX  XXXX Date Opened : XX/XX/1994 Balance : $ XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After being hospitalized from XXXX XXXX to my child via emergency XXXX, I requested my accounts to be consolidated XX/XX/2019 to better manage my finances. All of my accounts were approved to be consolidated including XXXX/XXXX XXXX. The Bank instead reported these accounts as late which was disingenuous. This issue has caused my stress and more importantly dropped my score to the point that I can not take advantage of the best available rating for a new home. 


Account : XXXX/XXXX XXXX  XXXX ( I have not received a letter of late payment ) this account was confirmed in consolidation and was never late. 

XXXX/XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delted the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXm disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX