23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

in XX/XX/XXXX my mortgage holder third federal savings and loan XXXX fl. misread a letter from my home insurance provider XXXX XXXX and thought my insurance had been cancelled. after going back and forth between bank and my insurance agent XXXX XXXX XXXX fl.i presumed it had been handled as we sent duplicates of all paperwork and checked addresses were correct.i went north on vacation the end of XX/XX/XXXX received no further communication from third federal savings and loan until i noticed in XX/XX/XXXX that they took an extra {$400.00} out for my mortgage payment i returned to bank and after numerous visits found out they had drained my escrow account first before they started taking it out of my checking acct. since i am not a expert on escrow accts the amount they took out is confusing to the best of my knowledge it is between {$2000.00} and {$2800.00}. i have gotten a letter from the insurance department of third federal savings and loan on XX/XX/XXXX admitting their mistake and telling me i will receive full reimbursement to date after numerous trips and talks to bank officials it seems i am being stonewalled they owe me thousands of dollars and are not keeping their promise to repay me please help thank-you
Product: Checking or savings account

I have been a member of USAA for 15 years. I have never had an issue accessing my account via the mobile app. As of XX/XX/year>, USAA has stopped me and other customers from accessing their accounts via the mobile app and forcing all customers to have or purchase a new phone to access their account. 

I do not have a spare {$2000.00} for a new phone. I as a consumer should not be forced to purchase a new phone to manage my banking account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I lost money from my XXXX XXXX account around {$70000.00}. it was sent to an unknown wallet. I can not contact the company to discuss this case. Someone stole my money from my XXXX wallet. I need help right now.
Product: Debt collection

Despite repeated emails asking them to not call me at work, they continue to do under different numbers. Its harassment.
Product: Student loan

I have a loan with DEPT OF ED/NELNET. 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 3 Bureaus and DEPT OF ED/NELNET with no successful resolution. 3 Bureaus only reporting me late. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX investigation by CFPB that closed XXXX, XXXX for an alleged debt owed to XXXX XXXX XXXX XXXX reported in XXXX was re-aged on my credit reports by XXXX XXXX XXXXXXXX. This is not allowed under the FCRA 623 ( 5 ) ( A ). Furthermore, XXXX XXXX  XXXX continues to report this alleged debt that is not owed by me and XXXX XXXX XXXXXXXX has not been able to prove that I owe this debt. In fact, XXXX XXXX XXXXXXXX owes me {>= $1,000,000} that they refuse to return to me. This is under investigation with the FBI and state law enforcement and the FTC. Please inform XXXX XXXX XXXX that they are not permitted to report debts not owed to them nor are they allowed to re-age alleged debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020 XXXX XXXX said they would request their information be removed, CFPB ID XXXX. 

I called and talked with Equifax XX/XX/XXXX or XXXX, 2020 the Representative stated that it was removed and would send me a credit report stating this, it would take up to 15 days. 

I ran my annual free credit report XX/XX/2020 and see that XXXX XXXX is still listed. 

Also I filed a dispute with Equifax about this matter the first of XXXX and on XX/XX/2020 and they said this collection was valid but on XX/XX/2020 XXXX told CFPB and me they would have these removed seems to be a conflict in statements to federal agencies a U.S Citizens. This seems to be in violation of the FCRA. and has caused me harm. 

I have not lived at the address in question for over 5 years, Equifax knows this via there knowledge of my address, they use my past and current address for verification steps.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a fork of Bitcoin called Bitcoin Cash occurred. Coinbase.com promised their customers that anyone storing Bitcoin on Coinbase on XX/XX/XXXX would receive the equivalent number of Bitcoin Cash when they rolled it out in XX/XX/XXXX. I held XXXX Bitcoin in Coinbase on XX/XX/XXXX. But Coinbase has not credited my account as they promised. They immediately closed my original support ticket with a generic response that had nothing to do with my case. My second support ticket ( Case # XXXX ) is two weeks old with no response. I have XXXX to the XXXX Coinbase support account ( not to mention the CEO XXXX XXXX ) on multiple occasions with no response. At today 's price, my XXXX Bitcoin Cash would be worth more than {$11000.00}. As Coinbase refuses to respond or acknowledge the issue, I can only assume they have no intention of paying what is owed. 
Dates : I purchase XXXX BTC on XX/XX/XXXX, another BTC on XX/XX/XXXX, and XXXX BTC XX/XX/XXXX. These assets were held in Coinbase Vault during the time of the fork.
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge off is income, which is not permitted to be recorded on a credit report under the FCRA. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After checking my most current report the updated information stated the account was purchased by XXXXXXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099- form. 



Also, the information on my report is wrong. According to 15 USC 1681s-2 ( f ), a person may not provide any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is incorrect. My credit report shows : Account status : TransUnion, no record experian, closed, and XXXX open. Date of last activity : Transunion, No record XXXX, XX/XX/year> and XXXX XX/XX/year>
Product: Debt collection

I tried contacting XXXX XXXX XXXX & the original creditor XXXX XXXX XXXX about account XXXX multiple times. The original creditor literally had XXXX XXXX of my information & the debt collector XXXX XXXX XXXX I have proof my identity was stolen I have police report & affidavit from months prior nobody is trying to help just asking me to make a payment on an account thats not mines. The account has been deleted from my XXXX report as of last week, it was also removed from my transuion report but re added the next day to closed accounts & unpaid & XXXX still remains on my XXXX report. This is harmful to my health and a defamation of my character. 



This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC. 





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Product: Credit reporting or other personal consumer reports

I am writing to formally make a complaint & /or dispute regarding a matter related to my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX XXXX which governs civil liability for negligent noncompliance with the FCRA XXXX It has come to my attention that XXXX and Tranunion both has failed to comply with the requirements set forth in the FCRA, which has resulted in damages to my creditworthiness and personal finances. 

XXXX and Transunion failed to investigate multiple disputes I've filed about collections on my credit report about inaccurate information and collection debts that do not belong to me. 

In light of this noncompliance, I am requesting to have the accounts immediately removed from my credit report. 

The accounts in question are as follows. 

1 ) Account name : XXXX XXXX XXXX Account number : XXXX XXXX ) Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX I would like to be provided with written confirmation via email that the required actions have been taken within the time frames prescribed by the FCRA, which is typically 30 days for an investigation of a dispute. 

Under XXXX XXXX XXXX XXXX, XXXX and Transunion may be held liable for any damages caused by negligent noncompliance with the FCRA, and I reserve the right to pursue further legal action if this matter is not resolved in a timely manner. I trust that your company will act in accordance with the law and correct this matter promptly. 

Thank you for your attention to this important matter. 

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

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX {$140.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$780.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Checking or savings account

First they deactivated the account because I hadn't made a deposit in a while. 
I had to make a deposit initiated from my local bank account which went through real time. I had to call back several times to get the account activated and set up an external account to transfer to. 
Then I tried to initiate a transfer from the account to my local savings account but had to call to get that to post. 
That transfer is still pending after 4 business days and every time I call they tell me it's not enough time. 
I initiated a transfer from my local bank account to get the money and that went through after only 3 business days, but not the one initiated from the bank I'm filing the complaint about.
Product: Credit reporting

The XXXX XXXX account on my Transunion credit report contains fraudulent information. I have filed several complaints with Transunion and XXXX XXXX. Still, not any of these issues have been corrected. Transunion is allowing this company to report fraudulent information towards me. XX/XX/XXXX, I filed chapter XXXX bankruptcy. The XXXX account was included in the bankruptcy. On XX/XX/XXXX, the trustee located in XXXX, Al., XXXX XXXX XXXX, started making payments to XXXX. On XX/XX/XXXX, the final payment was made. I paid the principle amount for {$2100.00} and {$230.00} in interest. I 've filed several complaints with Transunion, only to hear they completed their investigation, and everything on my Transunion credit report was correct. In other words, Transunion probably contacted XXXX and they believed the lies and false documentation XXXX provided. Had Transunion done a thorough investigation like they should have, they would have seen I 've been making payments since XX/XX/XXXX. Bankruptcy is public record. All Transunion had to do was pull a copy of the bankruptcy. The case number is located on my Transunion credit report. The XXXX account was closed on XX/XX/XXXX, according to Transunion. Why was the account closed 4 years before it was paid off with interest? Does Transunion just believe whatever companies tell them? Why do I have a delinquent and derogatory mark against my credit report. The last complaint I filed with Transunion about this issue, I was told not to file " frivolous '' reports again. I 've filed complaints with every federal agency against XXXX XXXX. They would never respond to the requests. I spoke with a lady named, XXXX, in the XXXX bankruptcy department. Was nothing but a waste of time. However, had Transunion done their job, I would not have gone thru this for about 2 years. I really do n't want to hear how you have so many complaints, it 's hard to keep up. You affect people 's lives by not providing accurate information. I 've been thru XXXX awful divorces, which has caused my credit to suffer enough. This bankruptcy is finally completely paid off, around {$56000.00} worth. The case number is XXXX. The name is XXXX XXXX XXXX. The case was filed in XXXX, Al. Another question, after you look at my bankruptcy case, and I 'm sure you will do it this time around, why is the XXXX account, the only account still on my credit report? All of the other accounts included in the bankruptcy have been removed. XXXX more quick issues. First, the Transunion report has me employed at XXXX. I 'm XXXX years old and have never worked at XXXX. Second, someone has reported fraud towards the Transunion report. I did not report this. I 've tried calling Transunion customer service. Not sure which country Transunion uses for these jobs, but I cant understand them.
Product: Vehicle loan or lease

I am writing to formally file a complaint concerning several significant issues with my account, including inaccuracies in reported information and unauthorized disclosure of my personal data. I believe my rights have been violated under various applicable laws and regulations. 

1. Inaccurate Information on Account I have identified discrepancies in the reported amount due on my account. The details are as follows : Total Amount Due : {$1100.00} Payment Due Date : XX/XX/year>2024 Breakdown of Charges : Regular Monthly Payment : {$350.00} Late Fees : {$30.00} Past Due : {$740.00} Other Charges : {$15.00} Additionally, a finance charge is being assessed on my account despite having already paid interest as stipulated in the consumer agreement. 

2. Payoff Balance The current payoff balance details are : Payoff Amount : {$13000.00} Good Through Date : XX/XX/year>2024 Breakdown : Principal Balance : {$11000.00} Unpaid Late/NSF Fees : {$30.00} Other Unpaid Amounts : {$15.00} Finance Charge : {$1500.00} ( Accruing at {$7.00} per day ) 3. Unauthorized Disclosure of Personal Information My personal information was disclosed to a third party without my consent. Furthermore, this third party subsequently shared my information with a fourth party, with whom I have no contractual relationship. This unauthorized disclosure constitutes a violation of my privacy rights. 

4. Regulatory Violations The issues with my account and the unauthorized disclosure of my information may violate the following regulations : Commerce and Trade ( 12 PA.C.S. ) - Motor Vehicle Sales Finance Act and Goods and Services Installment Sales Act Fair Credit Reporting Act ( FCRA ) and Regulation V : Section 623 : Requires furnishers to provide accurate information to consumer reporting agencies ( CRAs ) and investigate disputes regarding inaccuracies.

Regulation V : Mandates that furnishers establish and implement reasonable policies and procedures to ensure the accuracy and integrity of consumer information reported to CRAs.

5. Electronic Signature Acknowledgment I have an Electronic Signature Acknowledgment related to this account that was not signed. I did not have a full understanding of what I was reading, and I do not recall signing any paperwork. This omission affects the validity of the agreement and complicates the discrepancies noted. Please review this matter and provide guidance on how this impacts my complaint and the resolution process.

Requested Actions : Conduct a thorough investigation into the inaccuracies and unauthorized disclosures.

Implement corrective actions to address the discrepancies and unauthorized disclosure of my personal data.

Provide clarification and resolution regarding the discrepancies in the charges on my account.

Offer guidance on the impact of the unsigned Electronic Signature Acknowledgment on my account and complaint.

Thank you for your attention to this matter. I look forward to your prompt response and resolution
Product: Credit reporting or other personal consumer reports

For the last 3 months Ive sent a certified letter requesting for my name to be updated to XXXX XXXX. Ive even called and spoken to multiple representatives and received confirmation # XXXX saying the name will be updated. I want the middle initial to be removed immediately from my consumer report. Equifax has failed to report my correct name as XXXX XXXX. They have XXXX XXXX XXXX. I am once again requesting the middle initial be removed immediately. Thanks
Product: Vehicle loan or lease

I was current on the payments of the leased motorcycle but I lost my job so I got scared and did a voluntary surrender, brought the bike back to the dealer. Next day changed my mind, called the lease company told them I changed my mind could I keep the bike, they said yes. Then the told me where the bike is and said I have to pay XXXX to get it back I said why my payments are current. they didn't give a reason then sold the bike and are charging me XXXX on my credit report.total rip off scam
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a reply to XXXX XXXX XXXX XXXX 's ( XXXX ) response to Complaint No. XXXX submitted by XXXX XXXX XXXX. When fraud on the court exists, the orders issued by those courts are void. The courts were lead to believe that XXXX had standing to pursue this foreclosure based in part on an affidavit attested to by someone who obviously had no personal knowledge of the facts or actually reviewed the account record. Specifically, the affiant did not review the mortgage document that clearly defines when the loan becomes delinquent. Banks have been afforded far more deference by the courts than they deserve considering the industry was riddled with fraud at the height of the mortgage crisis. In fact, XXXX signed a Consent Order drafted by the Office of the Comptroller of the Currency ( OCC ) after an examination revealed flagrant abuses where affidavits were obviously signed by someone other than someone with personal knowledge or reviewed the facts. Similarly XXXX XXXX XXXX, who responded to this complaint, had no personal knowledge or provided no evidence that she reviewed the facts. She was the attorney of record but was not the litigating attorney. My records from the numerous proceedings indicate that she never opened any of the motions I filed with the XXXX County XXXX Circuit Court when the cases were opened. Someone with personal knowledge of the facts should have responded to this complaint. Anyone can get a copy of a docket sheet and summarize. XXXX filed or caused to be filed in federal and state courts, an affidavit in which the affiant represents that the assertions in the affidavit was based on personal knowledge or review. Under Michigan law, affidavits recorded with the register of deeds may be received as evidence in any civil matter and serves as prima facie evidence of the facts ( MCL 565.453 ). Prima facie evidence is sufficient to raise a presumption unless disproved or disputed. Despite being rebutted, the court presumed it was an accurate accounting of the facts. The response to my complaint is inadequate and fails to explain issues that are at the heart of this dispute such as : 1 ) Why XXXX believes the loan first became delinquent in XXXX 2012. 2 ) Why XXXX believes they do not have to respond to my Qualified Written Request sent prior to the foreclosure.
Product: Credit reporting or other personal consumer reports

CC : CONSUMER FINANCIAL PROTECTION BUREAU AND AND FEDERAL TRADE COMMISSION. 
RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g.

CFFB COMPLIANT NUMBER : DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!! 


I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by XXXX and TransUnion for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all XXXX accounts listed below ( In Addition to, falsely reported inquires and an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Opened the high-yield savings account online with Citi. I was unhappy with the customer service on the account so I wanted to close my account. I attempted 3 times to transfer my funds electronically, each time I received an error code XXXX and my access to transfer funds was blocked. I called XXXX  times to have this corrected and was told each time it was corrected. It was not. I have gotten the run around and no one can tell me why I do not have access to my funds. I was told to go to an ATM to access my funds. I've also been told I can not close my account due to the security alert. 
I have no access to my funds and I can not close the account either. I've been denied speaking to a supervisor as well.