23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

several years ago I opened a checking account at Washington Mutual Bank. Part of the product line offered with the checking account was Free cashiers checks. The bank was sold to Chase. I recently got a letter from Chase stating in a few weeks they will begin to charge me a fee for the cashiers check. As I recall the original offer from Washington Mutual was free cashiers check for life. Do I have any rights here?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security number : XXXX Date Of Birth XX/XX/XXXX Content of Complaint. This CFPB has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( XXXX ) Collections Account opened at XXXX XXXX XX/XX/XXXX account number XXXX bal {$170.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an immediate investigation into inaccurate and inconsistent items on my credit report as required under the Fair Credit Reporting Act ( FCRA ). The items in question are causing unnecessary harm to my credit profile, and I demand prompt rectification of these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to dispute several inquiries on my credit report that I do not recall authorizing. I demand that these inquiries be removed from my credit report immediately. 

The following are the inquiries I am disputing : XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX  XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX Furthermore, in some cases, the data furnisher has violated Metro2 reporting compliance by not reporting their contact information. I request that these unauthorized inquiries be removed from my credit report immediately. 

Thank you for your attention to this matter. 

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

I am currently facing an issue wherein Chase Bank has placed a hold on my funds for a duration exceeding three months. Their stated reason is the need to verify the funds deposited through a check into my account. However, they are encountering difficulty in verifying the check due to their inability to establish contact with the deposit makers.
Product: Debt collection

I took out a title loan with LoanMax in XXXX WI. My payment was 7 days past due and I had previously spoken to one of their Representatives ( last week ) about the fact my payment was going to be late. I received a call from them XX/XX/XXXX at XXXX. from their number XXXX and was on another call so I was unable to answer. Within 5 minutes I received a text from my son in CA whom I had put down as a reference when taking out the loan that he had just received a call from a XXXX about my car and they are looking for me. No more than his text came in and my other son whom I also put down as a reference ( they required 4 references and my boss 's name and phone number as part of the application ) and he stated the same thing that someone is trying to get a hold of me about my car.

I find this collection practice extremely predatory and intimidating as it is designed to embarrass you if you are a miniscule late with your payment or not immediately available to answer their phone calls.
Product: Credit reporting or other personal consumer reports

Both XXXX and Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my consumer report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am demanding immediate corrective action to remove or amend the disputed accounts, as Equifax and XXXX inaction violates federal law and my rights as a consumer. 

XXXX ID # XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was offered a promotional no interest period through Care Credit from my XXXX  office to pay for a {$2500.00} procedure. This was the total charge on the card. No other charge was ever made on the card. I was told that if I paid automatically via bank transfer on time each month, I would not be charged interest. The credit card company set the automatic payment amount. I paid every month with auto-draft and never missed a payment. After 18 months, the credit card company added an interest charge of {$1000.00} and has since been charging interest monthly for a total year to date interest charge of {$1100.00}. The advertised interest rate on the card is 26.99 %. The amount of interest I was initially charge after the end of the promotional period was 45 % of the original charge. ( {$1000.00} interest fees on {$2500.00} charge ). This is outrageous and I would have never used this card had I known this was what they were going to do. I tried to resolve this with the credit card company on multiple occasions. One customer service rep admitted that Care Credit ( aka Synchrony bank ) purposefully does not let the consumer know they are only setting them up with the minimum payment which will not result in a payoff within the promotional period. I specifically requested to have this set up to pay off within the promotional period when I set up auto payments.
Product: Credit reporting or other personal consumer reports

Its been more than 8 years XXXX is still on my report despite the fact that I asked for a deletion XXXXXXXX XXXX has been paid of and I asked for a deletion as well I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX XXXX and XXXX report. 

Please verify or remove immediately the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely,
Product: Vehicle loan or lease

There are times when I paid late. And of course a {$20.00} late fee is charged. The problem is that when I make the car payment and the additional {$20.00} late fee they dont use the extra {$20.00} I send to cover the late charge. Instead they apply the extra {$20.00} to the next bill reducing the next payment and carrying over the {$20.00} late fee. For example my car payment is {$350.00} when I send {$370.00} they pay the car payment and reduce the next payment to {$330.00}. And then carry over the {$20.00} late fee. The problem is that they start reporting the account as 30 days late to the credit bureau. And they done this multiple times resulting in additional 30 day delinquent marks on my credit. Most recently  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

Name : XXXX  XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXXXXXX  ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request along with identity verification documents to validate my identity only. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account is to be Deleted & Removed from my consumer report as soon as possible.
Product: Money transfer, virtual currency, or money service

Coinbase Case # XXXX Locked Out of My Own Coinbase Vaults Coinbase has a service called the " Vault '' that adds additional layers of security. In order to withdraw funds from the " Vault '', I need to receive confirmation on both Primary and Secondary email addresses. E-mail addresses on a vault can not be changed after it is created. My secondary vault approval address has mysteriously changed by Coinbases system to XXXX. I do not have any e-mail addresses that start with the letter XXXX. Now I cant initiate any withdrawals since two approvers are required. My funds are now frozen. 

I have spent many hours reading the comments of others on websites such as XXXX that had the same problem with Coinbase. Everyone was told that a specialist will contact them, but that didn't happen. Delay after delay. This is an unethical business delay practice. I contacted support by phone on XX/XX/18 and was sent a follow up e-mail. They still have not resolved the issue or even given me an adequate response detailing when they will help me regain access to my funds. 

What I want is for Coinbase to move all the funds from vaults ( 3 total ) into my wallets. There are XXXX  bitcoins ( BTC ), XXXX ethereum ( ETH ), and XXXX  litecoins ( LTC ) in their respective vaults. If you need any additional information from me, please dont hesitate to ask me. 

I have attached the following : Vault Setup Confirmation Emails ( Primary and secondary e-mails that I chose to use are shown ) Vault details screenshots showing that that secondary e-mail addresses for my three vaults have been changed to ( First letter is now XXXX, it should start with the letter XXXX ) Screenshots showing that my coins are in my vaults If you look closely at each of the screenshots showing the vault detail history, youll see that vault creation date is the same date that Coinbase sent the setup confirmation e-mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to correct the XXXX XXXX XXXX account on my credit history and what I get is evasion from Trans Union. Right now I even have my account suspended and I turn to you to see if you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paying off a non-rotating loan results in that account 's closure. Instead of maintaining that account in a credit report, all existing data is discarded. The end result for an individual is an economically damaging penalty in the form of an artificially lowered credit score. The credit agencies know this and their actions intentionally harm consumers and dissuade them from closing out loans when they are able to. This behavior should be a punishable crime. Credit reporting agencies act in ways that damage consumers ability to obtain credit and suffer no consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX, XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late -XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Product: Student loan

I have reached out to the Department of Education/XXXXAidvantage in regards to the incorrect, damaging late payments on my student loans that antler being reported as accurate to the credit bureaus. These late payments were reported for a 2 month time span between XX/XX/XXXX and XX/XX/XXXX. To my knowledge and per the agreement with the loan companies, it had been established with the loan provider that my student loan payments were under deferment during this time. I have never received a notice and/or alert that these accounts would be in a derogatory status. Had I been properly notified in a timely manner, I assure you I would have been able to contact the loan provider and make the proper arrangement to continue satisfactory account status. According to the FCRA, there is no rule or statute preventing an update to the derogatory payment status. I have not been able to come to a resolution regarding my student loans and request that the last payments are updated according to the agreement in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two parts outline this nightmare due to XXXX  predatory lending practices in and inefficient customer service and exorbitant fees. Ive spent my life was perfect credit and only looked to use XXXX because of the misrepresentations it made on television regarding building my credit. Unbeknownst to me they had signed me up for a credit card as some sort of reward to the end of the term of the first loan which I paid off perfectly however since I did not receive any notice and failed to see where I signed or excepted service of that card I ended up with two late payments for the first time in my life. XXXX currently has XXXX of these XXXX complaints That clearly defy the fair credit lending act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted and notified all parties involved : XX/XX/XXXX TransUnion, Us Dept Ed, and Dept EdXX/XX/XXXXof these fraudulent account ( s ) reflecting my credit report.US DEPT ED {$7100.00}, US DEPT ED {$4100.00} and DEPT ED/XX/XX/XXXX {$5900.00}, DEPT ED/XX/XX/XXXX {$3500.00}. I have continued to receive the same frivolous responses from all parties involve.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX Equifax reporting smh credit score decreased at XXXX points based off XXXX XXXX information that is current and in good standing. XXXX was contacted and it is confirmed that this account has been consolidated and is in good status and current.
Product: Credit card or prepaid card

Capital One is reporting incorrect information on my personal credit report despite 2 previous attempts to correct. The two previous investigations have been poor, lazy and misguided. Capital One is more interested in CLOSING disputes within 30 days then correct the issue for the customer. 

Now for the THIRD time, a 30 day delinquency is being reported on my Closed Capital One account for XX/XX/2019. This delinquency is showing due to being an identity theft victim. Capital One is the ONLY company to date, that has handled this case so poorly and not corrected the issue. 

The only way it can be resolved is via a conversation with the writer of this report. Not a cookie cutter response to close the complaint within 30 days. And if the Capital One Reps needs to leave a message, please be courteous and answer the call back and or return the call without closing the complaint before speaking with the customer ( being me ). A crime was committed and Capital One is treating the matter as if they could care less. 

Contact Info : XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureaus are siding with a corrupted fraudulent Bank, XXXX XXXX. I had a car loan that was paid on time, 60 payments. Monthly. XXXX XXXX reports car loans as well as boat loans as well as mortgages as " charge offs '' so that as a huge Corporation they would pay less taxes. And you are siding with them too. It is illegal to lie about how a car loan was paid. My var loan was never 120 days late. I was even sent a refund check of {$1600.00} in XX/XX/2020 because I overpaid the car loan and overpaid for fees I was not supposed to be charged for. I have a letter that proves that. I have payment history print outs too. They have nothing. And if they have anything it is altered. Again this is a bank that is on the news almost every week and has been for over 15 years at least. Corrupted. Liars. Fraudulent. And CFPB apparently does nothing about it. Hideous.
Product: Mortgage

I have previously made complaints to CFPB about the unfair treatment by Wells Fargo with regards to a loan and forclosure on our home. The file has since been closed. 

I have not been notified by Wells Fargo about the CFPB enforcement action and award for the unfair treatment on our loan and the foreclosure on our home. 
I am not able to speak with any representative at Wells Fargo as I do not currently have an active account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a freeze on my credit report, for all five credit bureaus the following bureaus are listed : XXXX, XXXX XXXX, Transunion, XXXX, and XXXX
Product: Debt collection

XXXX XXXX, President National Credit Systems ( NCS ) + XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged fees and amounts that are a violation of state laws and contract agreement by billing for charges against laws protecting consumers in Florida- This was immediately disputed with XXXX XXXX XXXX ( documents attached ) with zero response - NCS contacted on XXXX, attempting to collect funds for invalid debt outside of the contract terms of the agreement. 
- Consumer contacted NCS on XXXX to advise of disputed debt with original creditor and spoke to XXXX XXXX - Collections Manager Contact information : XXXX / XXXX Ext. XXXX - XXXX XXXX directed Consumer to dispute debt validity using the NCS Online Submission Process which was completed by consumer - XXXX - NCS nor original creditor provided consumer any correspondence validating the debt - NCS continued collection practices through XXXX Mail letter attempting to collect debt XXXX - NCS reported invalid debt to credit reporting agencies XXXX - Consumer called NCS, spoke to XXXX XXXX - Collections Manager Contact information : XXXX / XXXX Ext. XXXX - XXXX advised consumer that NCS is able to report and collect on this debt without validating with consumer. XXXX stated that the original creditor emailed NCS stating this debt was valid so no information is required to be sent to consumer. XXXX, NCS Collections Manager stated NCS is not required to update consumer with validity of debt, when disputed and XXXX attempted to collect this debt via phone again, without validating the debt for collections. XXXX Attached documents were submitted through required NCS dispute process with explanation of debt validation needed. NCS did not respond to dispute, did not provide validity, continued to collect on this debt, and reported it to credit reporting agencies as debt.
Product: Mortgage

With lies, XXXX XXXX is taking advantage of the fact that I am a XXXX with little English, he wants me to sign an agreement telling me that it is " only about the review you made on XXXX '' 1-The closing on our lot and and the construction loan were supposed to take place at the same time ; however, the date of the land closing arrived and the agent for the lot seller contacted me to let me know that they had not received any documentation from Cross Country Mortgage. Off course the seller did not want to give us more time to postpone the closing because it was all due to the incompetence of our loan representative with Cross Country. After requesting urgent conference calls to try to resolve our situation, we were finally able to get on a call and all this lady did was say " Sorry, I apologize I did not read the clauses on the contract to buy the land ''. On the other hand, she tried to ask the seller of the land if we could postpone the closing for an extra whole month. The seller of the lot obviously said No and we had to end up.preparing everything for closing in only three days ; plus, we end up paying additional money out of our pocket for this closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address in my credit score that Ive never lived at. Ive never lived in California and i dont know how my address has changed from XX/XX/XXXX-XX/XX/XXXX, because I still live down south at my most recent location!