23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My account has been under review for more than 9 months. I have uploaded my ID documents 5 times and everything is correct. I have bought and sold cryptocurrencies up to 10 months ago normally, but I have not been able to trade for more than 9 months. 

I opened 3 tickets with the numbers # XXXX # XXXX and another. 

However, I have not gotten any solution. 

My money has been blocked for more than 9 months and it is impossible for me to operate. I don't know what other action to take.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX On XXXX XXXX, 2017 this accoutn was placed on my credit report. This is a medical debt. I do have insurance and am looking into the situation after I complete this dispute. According to the information placed on my credit report. XXXX XXXX XXXX XXXX have had this account since XXXX XXXX, 2017 ( 4 mos ). According to law a medical collection file can not be placed on a credit report until180 days.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 J.P. Morgan Chase Bank Card XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time.

I am opting out of your reporting services to XXXX, XXXX and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt 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 Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. Please delete the following account XXXX XXXX BALANCED {$0.00}
Product: Checking or savings account

I deposited a check to my credit union on XX/XX/24. The check was written out to me in the amount of XXXX from my attorney office XXXX XXXX XXXX on the check it has Wells Fargo logo. My bank states there is still a hold due to Wells Fargo not verifying funds yet. I am needing my money ASAP due to an emergency that has come up.
Product: Debt collection

Debt validation letter XX/XX/XXXX Name : XXXX Address : XXXX XXXX XXXX XXXXXXXX Tx, XXXX Debt Validation Letter Company name : Convergent Outsourcing Collection opened : XX/XX/XXXX Collection amount : {$1300.00} RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Best regard XXXX XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase at XXXX in XXXX, GA in XX/XX/2017. The store clerk persuaded me to apply for a XXXX card to get a special discount on my purchase. After a few weeks I realized, I hadn't received the card or bill, so I called XXXX and discovered they had the city of XXXX for my address. The receipt for my purchase however had the correct city of XXXX, GA for my address, so I have no clue why my card application was processed with an incorrect address. Anyway, XXXX corrected the problem, refunded all penalties and interest, and I immediately paid the bill in full. When I asked about the impact on my credit report, XXXX assured me it would be cleared up after 30 days. At this point, only Transunion is refusing to cooperate. My credit score from TU is 100 points lower because of this payment which was originally reported as late. I have tried to dispute this transaction with TU, but they keep over-ruling my objection because the information is technically accurate. The space TU has allocated on their dispute site wont let me enter this much detail, but this is clearly the creditors mistake and TU is failing to investigate the matter properly. This payment should not be affecting my credit rating as it has nothing to do with my ability or willingness to pay my obligations promptly
Product: Student loan

Working night and day right now to stave off attacks from Navient. After hiring an attorney and disputing the debt for my education ( a huge economic loss ), the debt should go into a " disputed '' status. Which means by law I can withhold payments while the investigation is taking place. The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. Everyone is entitled to dispute a debt and investigate the lender for any violations of the contract or validation of the debt. In most cases, the lender would not even be able to provide proper documentation tying you to the debt. These violations, combined with unlawful debt collection practices, and the complete disregard of the law ( by Navient ) is the reason behind this complaint. 

Cease and desist letters went out. Of course, I anticipated the Navient would report the loan as delinquent. And they did. This had a huge negative impact on my credit, of which I will be disputing my accounts with the credit bureau. After being bombarded with calls from the Navient, they then turned their attention to the co-signer ( my parents ), demanding they start making payments. This is again in violation of the law ; they are legally required to work directly through my attorney. They then reported my parents to the credit bureaus as delinquent after they were unable to extract money from them. This has affected their credit as well as they are now unable to re-finance their mortgage. This has also affected family relations. We live in a XXXX bedroom apartment with very little living space. We are unable to take out credit of any shape or form. The very basic requirements for living in today 's society and our entire future is currently on hold. 

NAVIENT IS A PREDATORY LENDER WITH NO REGARD FOR CONSUMER PROTECTION LAWS OR PEOPLE 'S LIVES. THESE LOAN SHARKS PREY ON XXXX OLD HIGH SCHOOL GRADUATES WHICH ARE UN-INFORMED & INCAPABLE OF MAKING DECISIONS THAT WILL IMPACT THE REST OF THEIR FUTURE. THEY THEN ENGAGE IN DECEPTIVE BILLING PRACTICES AND INCORRECT CREDIT REPORTING, MAKING BASIC LIVING IN THE U.S. NEARLY IMPOSSIBLE. PLEASE ASSIST US IN BRINGING ACCOUNTABILITY AND JUSTICE TO THESE LOAN SHARKS.
Product: Checking or savings account

I had deposited a check for XXXX and a check for XXXX I was promised that my money would be available by today and when I went to check my account my money wasnt available I was lied too
Product: Credit reporting

TransUnion is stating the courts are Reporting a Bankruptcy Docket # XXXX which i disputed and they stated it was verified ... I called the courts which advised me the courts does n't verify this information.. TransUnion pulled this information from a third-party agency, as per courts Does not Verify Therefore this Must Be Removed from my credit file which is damaging to my true credit file. 

And I would appreciate it once its deleted I want proof that it 's been deleted. Please send me an email to XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I receive a letter from XXXX XXXX stating that I have paid debt that was owed ad they will be removing this account from all my consumer reports. XXXX and XXXX has removed the account. Im asking that this inaccurate account e removed as well immediately.
Product: Mortgage

My daughter an I applied for a mortgage with Third Federal Bank. We hold joint title to the property which she occupies as her primary residence. Third Federal was duly aware of the occupancy situation and that I did not reside at the residence. After subjecting us to the application process and collection of documents, they declined the mortgage based on the reasoning that I would not be residing at the residence ; clearly a fact that was made apparent when we first talked to them
Product: Debt collection

Account Name : CAPITAL ONE NATIONAL Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Product: Credit reporting or other personal consumer reports

i XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX XXXX under the account number ending in XXXX and beginging in XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Mortgage

In 2014, our mortgage was sold to Bayview Loan Servicing , LLC . Since the recession of XX/XX/XXXX-XX/XX/XXXX, we have had difficulty paying our bills on time. Regarding our mortgage, the payment is due on the XXXX of the month, and we usually pay by XX/XX/XXXX, before a late fee is charged. There have been months where we were behind by 30 days, but have caught up. The company always calls us after the XXXX of the month, with multiple phone calls, until we pay. Recently, they did not receive our homeowner 's insurance information and set up an escrow account, thereby increasing our monthly payments. The insurance has been resolved and we have paid all of our monthly mortgage payments. Because of the escrow account, they are not applying the amount that we pay to the mortgage, but to the escrow account. When I called to make the XX/XX/XXXX and XX/XX/XXXX mortgage payment, they say that I am delinquent on my account. I have spent numerous hours on the phone trying to resolve this issue. I just sent an overnight letter cancelling the escrow account - even though I never asked them to put it on the account - as they told me that was the only way to resolve it. My main complaint is I want the phone calls to STOP. We feel that Bayview Loan is targeting us because my husband is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made arrangements with XXXX XXXX to remove numerous collections from my accounts once I paid them. The hospitals billed each service separately and I lost track of all the bills. I explained this to XXXX and that the collections were all medical and all to the same place. They agreed to remove the collections ( or at least all but one since it really was only one account holder with many diffrent bills. ) And the agreed. However, now XXXX is stating its credit reporting agencies job to remove them, but the agencies are saying they can't do any thing with put XXXX approving it. Also XXXX bought a collection from XXXX ( XXXX XXXX XXXX XXXX ) and it was paid to XXXX as agreed upon. XXXX is the only agency that refuses to remove this collection as an open collection on my credit report. XXXX and XXXX have already seen to it. So here, I have made all the calls, emails and mailed, emailed, and faxed every receipt and correspondance requested of me with no resolve. I am at a stand still with a purchase offer on my first home, the sellars waiting for final approval from my credit union,  an no one working with me to achieve what was promised. I feel hopeless.
Product: Credit card or prepaid card

I had a XX/XX/2018 USAA Visa bill of {$150.00}, which was due on XX/XX/2018. I paid the XXXX bill and mailed it on time, as I have done for 22 years with USAA Visa. They failed to cash the check until XX/XX/2018. I received the next XXXX statement which includes an interest fee of {$30.00}. I disputed this fee by phone on XX/XX/2018 and was told the interest was calculated at the end of every day for my future credit purchases. That is, as I continued to use the credit card, but prior to my having the XXXX statement, I was being charged interest on credit card charges that were not yet due. USAA Visa can not explain why they failed to cash my check in a timely fashion. I believe it is extremely improper for them to bill me for interest on the charges that were not yet due. Despite their slow processing of my check for the XXXX statement, I am willing pay interest on the {$150.00}. But it is dishonest and wrong to bill interest on credit card charges that are not yet due. This practice is not only illicit ; it also fosters fraud because USAA Visa has a financial gain to not process and cash payments in a timely fashion so that they can then drive up interest fees on bills that are not yet due. Last, when I asked USAA Visa for the outside agency to report the problem, they failed to tell me I can report it to the Consumer Protection Financial Bureau.
Product: Checking or savings account

Ordered a weight bench from XXXX in XXXX, a gift for my XXXX son. Bench did not get delivered. at first XX/XX/XXXX kept delaying the delivery. then eventually it said it was out for delivery but it never came that day and status was switch to delivered. have been going back and forth with XXXX XXXX and my bank. XXXX confirmed that the package was delivered to the wrong address. it was an address on a street called XXXX. XXXX insured me that the package would be retreived but it was never delivered in the upcoming days. I still have not received the weight bench or a refund. 

Recently, XXXX have said that I would be refunded and the refund still have not been put into my account.
Product: Credit card

BBVA Compass froze my BBVA Compass XXXX XXXX XXXX credit card account in XXXX XXXX and closed it a few weeks later. I had a - {$500.00} ( a negative balance ) on my BBVA Compass XXXX XXXX XXXX credit card account that I tried a few times to request a balance refund check for that amount, but customer service never managed to process the check because they explained to me that my account is now in a special department, and they need to process and approve issuance of the check. I could never contact the mysterious special department and was not issued a balance refund check. So the negative balance was sitting in my account for a while, until XXXX XXXX, XXXX when a mysterious charge posted to my account for the exact amount of {$500.00}, making the balance of my account {$0.00} and essentially seizing all the money that belonged to me. I contacted BBVA Compass several times inquiring about the transaction and nobody could explain to me why a transaction posted to my account in XXXX XXXX, XXXX, and whether and when they are going to send me a balance refund check for the negative {$500.00} I had in my account. I have attached a statement for XXXX XXXX, XXXX XXXX, XXXX period which shows there was a negative {$500.00} balance on my account ( meaning the bank owing me that amount ). I have also attached summary of details of transaction that posted to my account in XXXX XXXX, XXXX seizing the negative balance from my account. 
I demand BBVA Compass to send me balance refund check for {$500.00} which is the amount they owe me because of the negative balance on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo recently reported to the 3 credit bureaus that our Home Equity Loan had multiple late payments. This has prevented the automatic underwriting process from being able to qualify us for a new mortgage. We presented evidence from our checking accounts that each and every month during the period where the late payments were claimed were in fact made. We submitted the evidence and the response from Wells Fargo was a 200 page document dump that did not relate to the Home Equity account, but a credit account which is closed. Wells Fargo indicated in their letter and document dump that they had reviewed the account and had made the correct reporting of derogatory information. This response is not factually or legally correct. 

The company we are working with to secure a mortgage have reached out to XXXX, XXXX/XXXX, XXXX/XXXX and they have received the evidence and have refused to make the requested changes as well.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX 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 my 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 in ( MONTHS REPORTING LATE ) 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. 


EQUIFAX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, I am writing to file a formal complaint again

st MIDLAND CREDIT MANAGEMENT for multiple violations of consumer protection laws listed below : Failure to Provide Validation Information : MIDLAND CREDIT MANAGEMENT has placed a collection on my consumer report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Denial of Dispute Rights : I have not been given the chance to dispute the account in question, contravening 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Use of False, Misleading, and Deceptive Means : MIDLAND CREDIT MANAGEMENT has engaged in false, misleading, and deceptive practices, violating consumer rights. Failure to Provide Required Disclosures : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).
I urge you to protect consumer rights. Do a thorough investigation and appropriate action to ensure compliance with federal regulations. 

Sincerely, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Its unbelievable how these unauthorized accounts are still showing up on my credit report, continuing to hurt my score. The impact on my life and opportunities has been severe, and XXXX done waiting for it to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA. 

ACCOUNTS XXXX ****XXXX not mine XXXX XXXX ****XXXX not mine XXXX/DEPT ****XXXX  never late XXXX/XXXX ****XXXX not mine PUBLIC FILINGS US BKPT CT XXXX XXXX/XXXX not mine COLLECTIONS ****XXXX {$84000.00} not mine
Product: Checking or savings account

My bank of america account got closed for no reason. They sent me a letter stating fraud in my account. I asked what had happened because I had no clue why they closed my bank account. I am finding out that my social security has been compromised. And I don't know what has been going on.
Product: Debt collection

XX/XX/23 I called upgrade to schedule a regular payment in the amount of {$400.00}. I explained about my mortgage and upcoming XXXX. The representative asked if I was having a hardship. My answer was yes and the representative set up a payment in the amount of {$120.00} XX/XX/23 Upgrade deducted from my XXXX checking account {$1200.00}. 
XX/XX/23 I called Upgrade, the representative was shocked and replied that this would be taken care of with in 4 days XX/XX/23 Upgrade deducted the original payment in addition to the wrong amount which was {$120.00}. * In summation Upgrade debited our checking account in the amount of {$1300.00} *** 10 times the amount they said they would debit and what we authorized XX/XX/23 called Upgrade again and they said the reimbursement would be processed by the XXXX of XXXX. No payment was credited to our XXXX checking account XX/XX/23 Called again and XXXX and XXXX from resolution team told me they could not process reimbursement until XX/XX/23 XX/XX/23 No reimbursement was made so I called Upgrade again and the representative promised payment by the end of the day AND STILL NO REIMBURSEMENT HAS BEEN MADE. 
Id like to add that this has put my family into a Further Hardship.