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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account number XXXX XXXX and XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX violated my rights 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I applied for a mortgage in XX/XX/XXXX and my credit report returned with one negative entry ( please see Signed Consumer Explanation Letter ). This negative entry is from Navient for an account ending in XXXX. The account in question was charged off in XX/XX/XXXX with the amount owed listed as {$100.00}. When I called Navient regarding settling the charged off account, their representative informed me that they show a balance higher than what is being reported to XXXX, XXXX, and XXXX. 

Per my recollection and records, I have only had the one account with Navient for a private student loan totaling {$500.00}. I borrowed the {$500.00} my last semester of college in XX/XX/XXXX because I no longer qualified for public student loans. I did not take out any additional student loans after this date. The last payment I have record of is from XX/XX/XXXX ( please see Emails from Navient ). On XX/XX/XXXX I was informed that my next payment would be due XX/XX/XXXX ( see Emails from Navient ). I received an email on XX/XX/XXXX reiterating this information with the amount due listed as {$3.00} ( see Emails from Navient ). When Sallie Mae transitioned to Navient, I was informed on XX/XX/XXXX that nothing about my account would change ( see Emails from Navient ). However, on XX/XX/XXXX I was sent an email from Navient indicating that the billing date for the account ending XXXX would be due on XX/XX/XXXX ( see Emails from Navient ). Unaware of the change, I proceeded as if the prior agreement was still in effect. The end result is reflected on my credit report. 

I have only received communication from Navient regarding the account ending in XXXX. All my student loans with balances over {$500.00} were consolidated prior to XXXX and are now serviced by the U.S. Department of Education. I do not take any responsibility whatsoever for any debt not listed on my credit report. Additionally, I may have previously challenged Navient on their credit reporting and erroneous accounts were removed. I am now attempting to settle the charged off debt of {$100.00} for the account ending XXXX.
Product: Debt collection

Do not trust Midland Credit Management. A debt that was the result of a missing card being in my name, was used four years ago to make an out of state purchase. The debt was then purchased by several different collection agencies. My maiden name was used to sue me in a city that I had moved 4 years ago away from. The lawsuit was moved to my current residence city but still under my maiden name. I answered the lawsuit denying all of the information. I have the credit report that states that I reported the credit card missing. Yet this company still filed a XXXX XXXX days after my answer and got the judge to approve the motion for summary judgement the same day.
Product: Consumer Loan

XX/XX/XXXX I contacted USAA and asked for guidance. I was nearing the conclusion of the escrow for my home at XXXX., XXXX , CA XXXX. My home was under construction and nearing completion. My question was to a loan officer. I needed guidance as to what I could do to finish the back yard and other finishing construction needs once I closed on my home. I knew that I would have {$30000.00} in equity upon closing between the purchase price and the value of the house without the upgrades. 
I was advised to take out a personal loan with the purpose of converting it into a Home Equity Loan after closing. I was concerned that the payment was high and told the loan officer that I could only carry that payment of over {$700.00} for two months at the most. I was assured that I would only be responsible for that payment for 30 days at most. After several days of consideration and discussion with knowledgeable friends, I consented to the arrangement on the condition the loan would be converted right after closing in XX/XX/XXXX 
I closed on my home, activated the USAA loan as agreed, and called to convert it to an Equity Loan in XX/XX/XXXX per our agreed plan. 
I was told nothing could be done at all because USAA 's technological system was being updated. 
I called in XX/XX/XXXX and was told the system was being updated and nothing could be done. 
I called in XX/XX/XXXX and was told the same thing. 
I called in XX/XX/XXXX XXXX times and was told the same thing. 
I called twice again in XX/XX/XXXX and was told the same thing. 
I called three times in XX/XX/XXXX and was told the same thing. 
I called multiple times in XX/XX/XXXX and was told the same thing. 
I called in XX/XX/XXXX many times. The third or fourth call I was told USAA was not granting Equity Loans any longer. 
I asked what other options I had, and was not guided in ANY way. 
I called back in XX/XX/XXXX and was not guided or helped. 
I called back in XX/XX/XXXX and was told to go to another institution. I was not guided as to what institution or what to ask for. 
I called back in XXXX XXXX and was not given any options by USAA. 
I called multiple times in XX/XX/XXXX and was just told to hurry up and find something. 
I have requested someone from your office to contact me for help in finding a reasonable product. I have made this request in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not heard from anyone in your office and it is XX/XX/XXXX. 

USAA Banking knew from the beginning that I was seeking an equity loan not a personal loan with a monthly payment of over {$700.00}. An equity loan came with a monthly payment of {$350.00}. I was purposely put of with the objective on USAA 's part to keep me at the $ XXXX monthly payment when they knew from the beginning that I did NOT ask for or seek in any way a personal loan!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2 months, I have been writing letters to all 3 bureaus Equifax, XXXX and XXXX including the creditors and to no avail they have not followed the FCRA consumer laws and have been sending me generic stall letters when I asked for them to send me a contractual agreement bearing my signature, they have failed to do so and did not update my credit profile or remove the item in the 30 day timeframe they have to complete their investigation. There are items on my credit report that is duplicated, unverifiable, outdated and inaccurate and they have not attempted to do or remove anything. I am filing a complaint because this is my last attempt to get them to abide by the rules of the Fair Credit Reporting Act before, I take my complaint further as I have already been in contact with FCRA attorneys.
Product: Credit reporting or other personal consumer reports

I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of date, I have not received a response from your company, and you failed to notate the account XXXX was in a dispute. Please delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regard to this matter. The current status of loan ID XXXX is summarized below. Loan ID : XXXX Loan amount : {$300.00} Date applied : XXXX. You are reporting a monthly payment on a charged off account which is a violation of the FCRA. You are also reporting the incorrect balance which is another violation. Attached is the True Bill for your violations which payment is to be remitted to the address on the invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unpaid outstanding balance for XXXX XXXX is listed on my credit reports : Experian, XXXX and XXXX, in error. I do not owe the amount that the credit bureaus are indicating. I ended my services with XXXX XXXX on XX/XX/XXXX and made my last payment, after verifying the amount due, on XX/XX/XXXX. I also verified on XX/XX/XXXX that no further balance was due. Then a couple months later I started to receive letters claiming that I owed XXXX XXXX {$270.00}.
Product: Money transfer, virtual currency, or money service

After converting my entire ETH holdings to USDC on Coinbase and transferring them to my Coinbase XXXX wallet, I faced a major setback. The conversion alone cost me over {$600.00} in fees. Once the funds were in my XXXX wallet, every attempt to move them to an external account failed. 

Despite following Coinbase 's troubleshooting stepsreinstalling the app, signing in and out, clearing the cache, and morenothing worked. After an hour of back-and-forth with support, they admitted the issue was on their end but couldn't give a resolution timeline. 

Support suggested I periodically check if the transfer would work and apologized for locking me out of my funds. However, they offered no specific date for a fix. A quick online search revealed many others in the same predicament, with the problem dating back over a year. Now, my funds are indefinitely locked in Coinbase, with no clear solution in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed numerous times to all XXXX bureaus for my auto loan with credit acceptance. Iam not responsible for this I have disputed. I did my dispute with XXXX on XXXX XXXX 2022 and it's now XX/XX/XXXX and still not completed. It needs to be removed from my credit reports asap or legal action will be taken.
Product: Debt collection

Midland Collection calls my cell phone everyday at least 4 times a day. Some have even called my job trying to reach me. I have asked them to stop but they just call from a different number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to temporarily unfreeze my credit report with Equifax. It was very easy to do so with XXXX  and XXXX, but Equifax is not working, and there is no way to contact them. I spent about 30 minutes on the phone, but I could not speak to an operator, their automated phone system will not let you speak to an operator, ... it acknowledged that I wanted to speak to an operator, but made me answer alot of questions first ... then at the end of answering all the questions it said it was unable to connect me to an operator at this time. I followed all of their instructions to speak to an operator -- their system made me enter my phone number, SSN, address, then after that, it made me answer 5 questions about my credit report, which I think I answered correctly. There is absolutely no way for me to speak to anyone. And their website tells me to call them. They have made it literally impossible for me to manage my account or lift my credit freeze. This is a terrible company, absolutely horrible. Apparently I can unfreeze my credit by mailing in a form, so I'm going to try that, but this will take an unknown amount of time, and this is unacceptable since interest rates may change etc. I don't even know if they'll even respond to my mailed-in form. It could take 30 or 60 days or even longer for all I know. And I'm going to permanently unfreeze it, because I know I can't ever temporarily unfreeze it in the future, so they're indirectly making it impossible for me to have a freeze on my account! By the way, I used a PIN in 2019 to temporarily unfreeze my credit report, but now they don't accept the PINs anymore, yet I can't create a new account with their website either! This company is a huge disservice and failure to the public, and to the entire banking industry.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Last XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Of Birth : XXXX To Whom It May Concern, I am not liable for this debtXXXX XXXX XXXX N.A.because I do not have a contract withLVNV FUNDING LLC, They did not provide me with the original contract as I requested.LVNV FUNDING LLCcalled me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but untilLVNV FUNDING LLC, proved me with the original contract they have to remove asap from my credit reports. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This item was purchased by a Third Party Debt Collector ( LVNV FUNDING LLC ). This account must be deleted as the status is not correct, the amount is not accurate, and the account was paid for less than owed by the XXXX XXXX XXXX Collector. 
As you can see from my credit reports and highlighted issues. 
This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. 
Here is the account name : LVNV FUNDING LLCand Account number : XXXX for reference and incorrect amount also. 
How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. 
DELETE THIS IMMEDIATELY! 
Thanks,
Product: Checking or savings account

Hi Team, My account was suspended by HSBC US, and they dont give me any reason for this activity. Just told me for security reasons, but i am 100 % sure there are no suspicious activities with my account and even no spending any money so far only ACH with my stock account with few money. 

I didnt see as a global bank with good service and qualities for their customers! 

I need get my account back and also i need detailed information, its totally XXXX with XXXX customers i can not accept. 

Many thx for your support
Product: Checking or savings account

There are numerous of charges that have been assessed to my checking account that I did not that I did not authorize I have contacted a bank and I have to have let them know about these charges and as of today that has not been any resolution There have been a few shots There a few items that have been returned back to me saying that they found no error One of them is with XXXX so the charges equal up to almost {$1000.00} where someone use my card or use my information I don't know how they did it and went in back to back on one day and charged up {$1000.00} almost {$1000.00} worth of merchandise at the same store It was not me I would never have went into XXXX and charged me before {$400.00} charge of {$150000.00} I wouldn't have never done that at the same store in one dayI was in XXXX shopping 4 days prior to these charges taking place and and purchased {$1200.00} worth of items because I didn't dispute all the items on my credit on my statement they are saying that they refuse to refund me back the items that would were were placed on my account that were fraudulent and not me there are other charges that are to my account that I am still waiting for resolution for one charge is for {$44000.00} which was supposed to be one transaction well this was not one transaction this was two transactions and they should have been reported separatelyOne for {$33000.00} XXXX There's {$170.00} that is missing that is unaccounted for I would like that money backI would just like for my bank to be transparent and their reviews I've asked for reports of information that was finding and I still have not received those reports as of todayThat was that would put me as the person who has made these charges There's a charge for {$180.00} from XXXX  This is not this is not my charge It isn't even a part of my XXXX account and I've asked for that money back alsoI have no access to my online account nor am I receiving statements through emailmonthly because I don't have access to my online account the statements that they do send I'm unable to view because I can not get on my online account which I've explained that to them therefore I am unable to check my statements regularly to see if there's any kind of activity going on that I am unaware of I think that is unfair I should be able to get access to my statements monthly so that I can monitor my account and be able to stay on top of it also I have been assessed fees when I'm using the bank branch ATM machines I want that money return back to my account
Product: Credit card or prepaid card

I was shopping for a new kitchen in XXXX XXXX. I stopped at a kitchen cabinet supplier and selected cabinets, counter tops and Back splash. I was told by the owner that they had special financing on complete kitchen remodels that was no interest for 18 months. 
I thought this was a really good deal. I thought I was getting a one time loan of XXXX for the purpose of a kitchen remodel. I did not think I was getting a credit card loan with revolving credit.. 
Once my credit was approved, the Contractor ordered all the cabinets based on their measurements. The contractor arrived on XX/XX/XXXX and installed approximately 75 % of the cabinets before realizing they ordered the wrong sizes and had no choice but to stop the work until the right cabinets could be ordered. The kitchen is incomplete and the workmanship is completely unacceptable. I stopped all work and cabinet orders in writing on XX/XX/XXXX. 
The XXXX loan with Synchrony Finance is now formally in dispute. I have reached out several times to Synchrony Finance and I have expressed deep concern that I do not have a functioning Kitchen, and it appears they have paid the Contractor the entire XXXX. I now have a non functioning kitchen and an outstanding loan of XXXX. 
I simply don't have the resources to move on with another Contractor until this dispute is resolved. I am a XXXX, and its important that I prepare healthy meals at home. I have not been unable to do this since XX/XX/2019. Please help!!
Product: Consumer Loan

I paid off my Captital One Auto Finance loan early and they submitted to the credit bureaus " account closed '' instead of " paid in full ''. Subsequently my credit scores went down.
Product: Bank account or service

I tried to give Bank of America notice not to cash post-dated checks until the date written on the checks. Bank of America claimed that the only way I could stop them from cashing the check early is to put a stop payment on the check and then release the stop payment on the date of check. Is that correct? If not, what can I do about it?
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised or stolen. I filed a police report and notified XXXX, Equifax and XXXX XXXX. I feel that they are not taking the matter very seriously at all.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I contacted a seller by the name of XXXX XXXX that was selling tickets to the drake concert for XX/XX/XXXX. He requested I send him the payment through XXXX pay through my bank ( Wells Fargo and then he would transfer the tickets to me through XXXX. Once I sent the money the seller never answered my text messages or phone calls. I called Wells Fargo right away and they said they were not able to help me in anyway. They wouldnt even contact the other bank institution for me and try to reverse the charge. The amount was for {$220.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the consumer report inquiries conducted on my behalf without explicit permission. I did not authorize of any such investigation, and I request immediate deletion and clarification of this matter. I have filed a complaint with the FTC.