23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2016 I applied for a HAMP loan modification from U.S. Bank. My husband 's untimely death due to XXXX forced me to request a loan modification. I provided all the paperwork required by the bank as well as additional documents requested after my weekly follow up calls. In some instances I sent documents 2 and 3 times. I was recently informed that my request was denied due to lack of documentation. This is completely frustrating as I provided all that was requested and then some. Plus on several occasions I was told that nothing was required. So to be told I did n't provide enough documentation is ridiculous. It is my firm belief that my application was rejected without cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

talked with them about rolling payments to end of note they done that but reporting it 60 days late on credit report
Product: Consumer Loan

My husband has four years of spotless payments to Carmax with XXXX late payment. Even though we called and explained the issue was due to a problem with the on-line system they refuse to adjust it. This would n't be such a big deal except it 's the ONLY thing on his credit that 's stopping us from qualifying for a home loan with his VA benefits. The car started breaking down about four months in. It has issues with XXXX overheating and despite the fact that we purchased the extended warranty they only paid for about half the repairs ( it still is n't fixed ). I ca n't believe that given our flawless history, our customer loyalty, and the fact that my husband is a XXXX military veteran, Carmax wo n't work with us in any fashion to resolve this issue. I REALLY expected that there would be SOME way we could resolve this, but I have heard from XXXX different reps that there 's nothing they can do, even though I KNOW differently. The initial phone rep I spoke to lied to me saying it was " illegal '' for Carmax to adjust the late pay on his credit, it took them a full week and about XXXX posts to XXXX to even get a call back from anyone.
Product: Vehicle loan or lease

I was struggling making payments on my truck due to being unemployed. Safco stated that they were willing to work with me, however, repossessed the vehicle without notifying me in early 2019. The vehicle has since then been charged off, auctioned off, or resold. My credit is greatly suffering, especially during this pandemic crisis.
Product: Money transfer, virtual currency, or money service

My coinbase account was locked on Monday XX/XX/XXXX because of a suspected hack. 

That night I spent an hour with customer support, got my account unlocked and all was fine. 

Coinbase then, suddenly, locked the account the next morning and is now not unlocking it. 

I have called several times a day now for 5 days. 

They refuse to give me any information on what is happening. 

I have over {$200000.00} in that account and I need access to it. The company has now just gone quiet and prevented me from getting my own funds. Their customer service REFUSES to provide any information. 

This has been a nightmare.
Product: Credit reporting or other personal consumer reports

I have these inquiries reporting on my credit report that I never authorized.
Product: Checking or savings account

I am the executor of an account to include safe deposit boxes held by Chase XXXX Bank in XXXX, New York. The fee for the XXXX safe deposit boxes that are in the decedents name, XXXX XXXX XXXX are due in XXXX of each year. They total a little more than {$800.00} total or {$400.00} each. As executor for the decedent and because both the savings account and checking account were frozen, I prepaid the safe deposit boxes, XXXX month early, in XX/XX/year>. Despite the boxes having been paid, Chase XXXX bank under the direction of the branch XXXX, XXXX XXXX, Debited the account by more than {$400.00}. I have asked that the estate of the decedent be reimbursed the amount that was illegally taken from the frozen savings account without a court order, but on each occasion that I have asked, XXXX XXXX has denied the refund stating that he would pass it by his legal department. So far, after months of talking, he has failed to refund The amount that was debited from the frozen savings account. I have proof of both the payment for the boxes in XXXX and the illegal debit in XXXX of last year. XXXX XXXX direct phone number is XXXX. His email is XXXX. The address of the bank is. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX I would like the bank to refund the estate properly, and I would like for the bank to be examined for similar infringements.
Product: Debt collection

I have New and Updated information about Amcol Systems LLC Amcol is violating my federally protected rights as a consumer. I asked them for an audit trail along with any HIPPA authorization. They sent back statements with personal medical procedures, which is irrelevant to what I asked for. I have the rights to an proper investigation which Amcol has failed to do so in 30 days, the alleged amount of the alleged debt keeps changing. 
They are also in violation of my rights to cease and desist all communication from all Mediums, they are still reporting on my consumer report and contacted me after asked not to do so. 
I also sent an Affidavit and a notice to cure that they have failed to respond to.
Product: Credit reporting or other personal consumer reports

I have attempted months ago prior to this complaint to call and send in a letter but Experian is showing some addresses on my report that are incorrect and according to 15 USC 1681a-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 ''. The incorrect/non mailable addresses are : XXXX XXXX XXXX XXXX MO, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX MO, XXXX
Product: Checking or savings account

I noticed yesterday, XX/XX/2022, that I had received a few emails from Bank of America on XXXX that were basically walking me through the process of opening a bank account in my maiden name. They verified my email ( XXXX XXXX ) opened the account, and then changed the email at the end. I called Bank of America and let them know it wasn't me who opened the account and that's not even my name anymore. I changed my email password to an actual password rather than the sms code.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have the situation with credit agencies reporting information that is not mine and it is affecting me. 
This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognizes this debts. Please corroborate and fix instantly
Product: Credit reporting or other personal consumer reports

I show a bankruptcy on my credit report XXXX XXXX XXXX VA XXXX with a Reference # XXXX. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Mortgage

I have been trying to modify this property for years and the lender continuously "lost" our paperwork or "never received it." They have been not returning calls and even hanging up on us before I can reach the appropriate party. They have denied modifications because they say they haven't received paperwork we've sent numerous times. Now there is a sale date on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the ITEMS stated below continue to appear on my credit report, which is a violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I require this situation to be resolved immediately. Please remove the following elements from my file : XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

My checking and savings accounts were closed. I called in and was told there wasn't a reason why it was closed, I would get a letter and the money from my account in the form of a check in 7-10 business days. I was not satisfied with this so the agent looked and looked, and found no reason, but said she thought I might have violated their deposit agreement. I wish I had enough money to violate a deposit agreement .... Eventually when I went to escalate the call, she contacted someone in another department, and said that because I had a fraudulent charge of {$4.00} from XXXX ( confirmed from XXXX it was someone else ) they were going to close my account. Mind you, this had already been credited and a new debit card had been issued and was being used. So two reasons, neither one makes sense There was absolutely no warning whatsoever and it doesn't take a genius to realize a bank is not going to close the account of a 5+ year member over a {$4.00} charge. I even asked if they could expedite the money in the account to me, and they refused. 

I believe it may have had to do with receiving public assistance. I really can't think of another reason why it would be. Obviously, this is illegal, so I am here filing the complaint.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were XXXX despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

a car loan for XXXX per month for 72 months was original agreemen. 
6 months of extensions at various intervals during course of loan loan maturity was extended to XXXX 2016 .I WAS TOLD ATTHAT TIME XXXX WAS STILL OWE.THIS SEEMS LIKEAN EXHORBITANT AMOUNT OF INTEREST FOR A 6 MONTH EXTENSION,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 4 times with all credit bureaus. Experian, XXXX   and XXXX. All are reporting derogatory remarks on accounts they are unable and have not verified as being mine or show proof that these are in fact accounts acquired, owned and signed by me. 

They are also not consistent, accounts that have been removed from my credit file from one bureau is not necessarily being removed by the rest of the bureaus despite all the disputing I have done/sent. 

I have outstanding current/history on my mortgage, car loan, which is going to be paid off, and 2 new revolving credit cards. That are in excellent standing and have not been late once on anything for the last 6 years. All that they are reporting are credit cards fraudulently acquired and being reported under my credit file.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 


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

My account with XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Prepaid card

I was gifted a {$200.00} American Express XXXX XXXX marked amexXXXX. I've logged in online and confirmed it has a {$200.00} balance. However, I'm effectively blocked from using this card online because American Express has no mechanism for associating a zip code with the card, and virtually every online vendor validates zip code. As a result, I am unable to access these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, {$14000.00}, XXXX XXXX XXXXXXXX XXXX - States that I have been paying on this account sence XXXX till this present date and the amount has not ajusted. The account also state that I have been late for 90 days in ONE month, the of XX/XX/2019. The monthly payment is inacurrate also. I have attach copies for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX are typically creditors, lenders, utilities, debt collection agencies and the courts ( i.e. public records ) that a consumer has had a relationship or experience with. Data furnishers report their payment experience with the consumer to the credit bureaus. The data provided by the furnishers as well as collected by the bureaus are then aggregated into the credit bureau 's data repository or files. The resulting information is made available on request to customers of the credit bureau for the purposes of credit risk assessment, credit scoring or for other purposes such as employment consideration or leasing an apartment.
Product: Credit reporting, credit repair services, 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 USC 1681. 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 an 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 1681 s-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. 

XXXX Account Numbers : ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX / XXXX ) ( XXXX XXXX XXXXXXXX / XXXX ) ( XXXX XXXX  XXXX / XXXX ) ( XXXX XXXX XXXX  XXXX ) ( XXXX XXXX XXXXXXXX ) As well as all highlighted addresses/public record information on file. 

Equifax Account Numbers : ( XXXX XXXXXXXX / XXXX ) ( XXXX XXXX  XXXX ) ( XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX well as highlighted public record information. 

XXXX Account Numbers : ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX  / XXXX ) ( XXXX XXXXXXXX ) As well as highlighted address and public record information. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The above listed accounts from all bureaus have all been disputed and were sent back verified and accurate, however the information is inconsistent and inaccurate after being " verified '' and/or updated. 

Some information reported by XXXX in particular returned verified as mine after they updated another individual 's personal information to match my own during one of the disputes included. 

XXXX has also reverted update changes and re-added deleted accounts after completing their dispute process multiple times. I've included an example of them reverting account changes AFTER a dispute was completed/updated.
Product: Debt collection

Received correspondence from Tate & Kirlin Associates to collect a debt for XXXX. 
I informed XXXX to terminate the services because the security service never worked because of the internet connection. Previously I made several calls to XXXX requesting the service be repaired or terminated because of bad services. I wasn't in a contract when I requested the services be terminated. This debt was previously with XXXX XXXX XXXX. I also informed them I didn't owe the debt.
Product: Credit reporting or other personal consumer reports

Please see the attached screen shot of this fraudulent account ( XXXX ). First of all I do not have an account ending in ( XXXX ) I do however have an account with XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( NETCREDIT ) OPEN-END LINE OF CREDIT AGREEMENT with account number Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NetCredit Attn : XXXX Department XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Subject : XXXX Billing Error This account has never been late and has been paid as agreed.
Product: Credit card

I received an update of my credit reports from all credit bureaus. The accounts with American First Credit Union. This account has been charged off XXXX XX/XX/year>. I was told from XXXX that once an account is charged off and closed., that there should not be any more reporting unless the was a payment was made on the account. However, there was a new amount that appeared on the account. I was also sued by this Company, I appeared in court however no one from the above company never appeared, so the XXXX made the award in my favor. I also called the Bank on XXXX XXXX XXXX XXXXXXXX. I spoke with a female that stated that the amount that was added to my credit report was for legal fees that the new collection agency that is suing me. I am not aware that a company can do this. I questioned the said lady regarding this, she stated that is what she sees so I was not happy about this, so she transferred me to another lady by the name of XXXX. XXXX tells me that it is an error on all the credit bureaus that they put the other amount on the credit, so I questioned and ask why they would just make up an amount to put on my credit reports. She stated she is not sure. so, the conversation just went back and forth until finally she admitted they made the error and did not put the correct amount on the account 3 years ago. She also said since I did a dispute this is when they updated the information.
Product: Student loan

I used navient after they bought out my XXXX XXXX loans. 

They pushed me into going into forebearance and did not explain that I would be paying the interest even though I was not making payments. Also they did not explain that I could be on income based repayments and would have had {$0.00} payments while in my first year of internship, since my previous year I was a student with no income. They did not properly explain all of my repayment options and pushed me into forebearance. Now, I have stared with income based repayments and I am on tract with the federal student loan foregiveness program. Because of them, I missed out on being in this program for 4 years ( which would have qualified towards the forgiveness program ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of multiple payments incorrectly reported on my credit report. According to my credit history, there are instances where multiple payments have been recorded for the same account, which is in violation of the Fair Credit Reporting Act ( FCRA ) and the guidelines set forth in 15 U.S. Code 1666b - Timing of Payment.

In the case of Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), it was established that inaccurate reporting of multiple payments can result in a misleading representation of an individual 's creditworthiness. As a consumer, I have the right to accurate and fair reporting of my credit information. 

1. XXXX  XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed 2. XXXX XXXX  Account # XXXX Please remove inaccurate late payment. Account paid as agreed 3. XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed 4. XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed 5. XXXX XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.