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

Opened a new credit card account XXXX, 2023 with XXXX XXXX XXXXXXXX ( hereafter referred to as XXXX ) and immediately set up auto-pay. A few months went by using the XXXX card and noticed a late payment fee and then another. Tried to call the XXXX many times and couldnt get through to anyone due to new automated phone system. Suddenly received notice from a credit monitoring service of a change of my credit report due to late payments to the XXXX credit card. I contacted XXXX online chat to verify auto pay and they said it failed the first time, so we set it up. The chat agent agreed to try to reverse the late charges. Note I still never received any email, text, phone call or USPS mail from XXXX to warn me of any late payment or that they would hurt my credit reports. After finding out my credit score has been reduced from XXXX to XXXX, I chatted and called XXXX several more times to request correction. One phone rep in Alabama basically said tough luck and it was my fault because auto pay takes several months to activate. I explained to her I should have been told about that and she insisted it was still all my fault. I asked to speak to a supervisor and she refused, citing the back office said it's all my fault. I ended to call to accept the next phone rep calling me and she seemed happy ; the next rep said he would send letters to the credit reporting agencies to try to fix the issue and send me a copy. The copy I received essentially said XXXX refuses to correct the problem based on their investigation. 

I am XXXX, honorably served in the XXXX am now a XXXX veteran and have never experienced anything like this with the dozens of other financial accounts Ive dealt with and have been a XXXX customer for 25 years. I have worked hard to be as responsible as possible for many decades to achieve an XXXX XXXX and XXXX basically screwed me over and damaged an important part of my life, a great credit score.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate tis account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX Account Number XXXX
Product: Consumer Loan

I purchased a car after filing Bankruptcy in XXXX, I purchases a XXXX ... XXXX I lost my job and nearly lost my life ... I was homeless got behind on my car not which I had to live in after having a place to live.. I contacted NATIONWIDE SOUTHEAST Financial Company to assure payments will be made and they were. I was in accident XX/XX/XXXX, Although I was not injured my car was hit not bad however.. I contacted my insuracne company and proper party to get my car repaired. After going the hardhsip and two accidents in the month XXXX i advised them to picked the car up after it get repair, and that I no longer can afford the payments because I was homesless amost a year and needed to keep a roof over my head .... The first week I was constantly got calls and i was told once the car is sold I will be responsible for the balance.. I check my credit and they XXXX for XXXX..And my balance is XXXX ... I was taken advantage of there is no way a XXXX is worth or should be XXXX dollars .... This is hendering me from getting any kind of car, I sent you all a copy of whats on my credit ... 
Account # XXXX Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated XX/XX/XXXX Original Balance {$27000.00} Monthly Payment - Past Due Amount {$2500.00} Highest Balance - Terms 66 Months Responsibility Individu
Product: Debt collection

Consumer Laws to Use to Remove Collections : XXXX  Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) XXXX agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 

XXXX  agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A
Product: Credit card

I never applied for XXXX  first progress, XX/XX/XXXX or XX/XX/XXXX, XXXX XXXX  XXXX not mine opened XX/XX/XXXX. They all 3 show as inquiries and closed account In ever opened thses accounts nor did I apply for these accounte
Product: Mortgage

We had a house fire in XX/XX/2018. We received our insurance check promptly, endorced the check and sent all requested paperwork to our mortgage company ( Flagstar ) immediately upon receipt. To date we have yet to be issued any money from our insurance check. We have been told they will issue it, then another excuse comes up that it hasn't been issued. When we call back to find out what the issue is, we are told there is no issue and they will send the check, which as yet to occur. The last instance ( today ) I was told for the second time they want a copy of the contractor 's license ( not initially requested by them ) and when I call in, I'm told that the state of Pennsylvania doesn't require that. It has been two months without any money, which means no repairs can be paid for, no heat in my house ( in the middle of winter ), and a mortgage company that seems to be holding onto my insurance money and giving us every non-valid excuse in the book to hold onto the money.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This aligns with the recent CFPB findings. I believe this is unfair and request to have further investigation on my accounts. I have tried multiple times to contact Navy Federal and speak to someone who can assist me and no one would help. My accounts are closed and I have been left with a fee to pay that I do not agree with. The charges are incorrect.
Product: Credit card

I have a jewelry account that is held through Wells Fargo. I have XXXX promotional balances that are currently active. XXXX is equal payments with a fixed interest rate of 9.9 % and XXXX are interest free if paid within so many months ( interest rate if not paid is 28.24 % ). I paid additional payments that I wanted to apply to the no interest balances so that they would be paid off within the promotional period. Wells Fargo applied the additional payment to the balance with the lower fixed interest rate. I called them and they refused to re-allocate the payment. This will make it impossible to pay the balances that expire within the next 10 months unless I pay XXXX payments of over {$700.00} the last 2 months prior to the promotion expiration.
Product: Debt collection

All three credit company are keeping those hard inquiries. Most I did not authorize.
Product: Money transfer, virtual currency, or money service

The date of XX/XX/XXXX I requested three withdrawals from Coinbase to my XXXX XXXX bank account. 

The first withdrawal was for {$5100.00} The second withdrawal was for {$270.00} The third amount was for {$330.00} I was informed that the funds would be in my account on the XXXX. The funds were not deposited by this time. 

I contacted Coinbase Support and was given two form letters, asking me to wait an additional 5 days. Still there was no transfer to my XXXX XXXX account. 

I was finally able to contact XXXX from coinbase who informed me the wire had been sent on the XXXX and I should check with my bank. 

My bank has no record of any wire from coinbase in these amounts. 

Re-contacting Coinbase Support i requested the federal wire number that accompanies wire transfers. I have not received a response, nor my funds, as of the time of this submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX on behalf of this creditor that is in accurately reporting on all three credit bureaus, XXXX, XXXX XXXX, Experian. I contacted this company around XXXX in reference to documentation, including contracts pricing, what was done with the vehicle how much it was sold for how much money was left out of it the sale, so no clarification. So then I discover that they have been reporting in accurately for going over 12 months on all three bureaus. This matter could be resolved with removal of account from all three bureaus, ill hold no harm against this company if they will remove the negatively reporting mistakes to correct the in accuracy. I would attach a copy of my credit report but I dont feel that its confidential.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/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 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 XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX  : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX 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 Account Number : XXXX TransUnion : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX 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  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 XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, & XXXX are continuing to report incorrect information on my consumer reports. Under federal law consumer agencies are required to maintain 100 % accuracy and in this case they are not. There are several name variations and address that are incorrect and should be immediately deleted. 

My name is XXXX XXXX there should be no other names listed on my consumer report or aliases. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

I made an agreement with the debt collection through XXXX XXXX  to pay a monthly payment for the agreed total amount that I owe they refuse to send me a copy of the agreement of the amount remaining and the monthly payment I called XXXX XXXX  and talk to XXXX who is the debt collector he says I don't have any right to a copy of any of that and refuse to give a copy to me.
Product: Credit reporting or other personal consumer reports

Experian claims XXXX XXXX Account number XXXX is 100 % verified as accurate, and they updated the account yesterday instead of deleting it, but again this account isnt being reported properly on my credit file, and needs to be deleted asap. Original creditor, Recent payment, Monthly payment are missing. The original amount of the account is {$2000.00}, but Account charged off. {$1.00}, XXXX written off. {$11.00}, XXXX past due as of XX/XX/year>. This is senseless. They claimed to have updated this account yesterday, but nothing changed on it. It is still being reported exactly they way it was before. This is neglect, and I am seeking for up to {$1000.00} per violation. 

15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a dispute with XXXX and XXXX reference to this debt collector EOS CCA who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).
Product: Checking or savings account

I received a notification stating that there is a new financial account inquiry with PNC Bank. I called the bank, gave my info. The man on the phone said he will put in a fraud report. He would not tell me if there's an account open. He said unless they need more info, I will not be contacted again. I asked if they would close the communication loop and let me know that they closed any accounts, he said no. He said he had no way to know I'm not the scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit BUreaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$4900.00}
Product: Credit card or prepaid card

This complaint is referring to the last two times my wife, XXXX XXXX, paid the XXXX XXXX XXXX XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX ( XXXX  XXXX ) online bill pay service to XXXX XXXX XXXX which is operated by XXXX XXXX XXXX XXXX, XXXX. The due dates relevant to this case are XX/XX/2018 and XX/XX/2018. The balance on the statement due XX/XX/2018 was {$200.00}. The balance on the statement due XX/XX/2018 was {$320.00}. The statement balances were paid in full both times. 


For the bill due XX/XX/2018, my wife requested a payment for {$200.00} to be sent through XXXX XXXX online bill pay to be received by XX/XX/2018. The check # XXXX was mailed by XXXX XXXX on XX/XX/2018, and the check was delivered and the money was withdrawn from the account on XX/XX/2018. However, XXXX did not post the payment until XX/XX/2018, five days after the due date. A late fee of {$75.00} plus a {$7.00} default interest charge were charged to the credit card account. 

For the bill due XX/XX/2018, my wife requested a payment for {$320.00} to be sent through XXXX XXXX online bill pay to be received by XX/XX/2018. The check # XXXX was mailed by XXXX XXXX on XX/XX/2018, and the check was delivered and money was withdrawn from the account on XX/XX/2018. However, XXXX did not post the payment until XX/XX/2018, two days after the due date. A late fee of {$75.00} plus a {$7.00} default interest charge were charged to the credit card account.
Product: Debt collection

I received a notification that my credit score had dropped. So when I looked at my credit report, I noticed that a negative mark was placed on there from Transworld Systems Inc with an open date of XXXX XXXX for {$600.00}. Stating that the original Creditor is XXXX XXXX XXXX XXXX. This is not my debt. I did n't go to any ER 's in 2017 period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/ Experian I request the proof of Accuracy of your reporting on this account, Please show documentation that I paid this account it is over the 7 years limits and you reaged this account by stating it was paid in XX/XX/2015 needs removed at once this is credit reporting manipulation
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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, credit repair services, or other personal consumer reports

Discover is reporting to all the credit reporting agencies that the line of credit is open, available for use. Its showing {$1400.00} available ; however they had suspended my account years ago with no immediate plans on opening it, so I technically dont have access to those funds.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy. Here 's is the account I am asking you to verify as accurate : XXXX XXXX Account Number : XXXX.
Product: Debt collection

XXXX My brother received a letter in his familys name that was attempting to collect my credit card debt. The paper inside included my name, the credit card number, and the amount due.
Product: Credit card or prepaid card

- I was going through my credit report and noticed that an account ( XXXX XXXX XXXX  Act. # XXXX ) that I closed, it's reporting that I was market on my credit report as I was late from 30-120 days. I made the payment on-time as required by the company but never received the bill that I was paste due. Than you!
Product: Debt or credit management

For no reason that they could tell me Wells Fargo drop my XXXX score from XXXX to XXXX. The only thing I can think of is I complain couple days earlier about their fees and their high balance balances I had to have do not have fees I called XXXX where they say they get their XXXX  score they said my score was perfect. XXXX. I thought something fraudulent was going on. I cant get any answers from anybody.
Product: Debt collection

I sent this company a certified proof of verification letter to provide me where I have a contract with them along with my signature