23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I compared my experian report to that of a friend of mine. Both of us have collections on our experian file. When I compared the XXXX files, her collections are scheduled to come off between 4 and 5 years from the date of the collection and mine are scheduled to come off between 7 and ten years from the date of the collection. She has lot more collection and negative information on her credit file with experian and her credit score is higher than mine. The only difference between the XXXX of us is that she is a XXXX year old XXXX female and I am a XXXX year old XXXX female. It is not fair that her collection accounts are scheduled to come off between 3-6 years from the date they were reported and mine are between 7-10 years. For example ; I have a collection account that was reported in XXXX and it is scheduled to remain on my credit file until XXXX. She also have a collection file reported in XXXX and it is scheduled to remain on her credit file until XXXX. I have copies of both reports and all of the collection accounts have similar discrepancies and differences on both of ours where her unpaid collection accounts are scheduled to be removed a lot quicker than mine ; XXXX of our collection accounts is the same creditor ( XXXX XXXX Bank ) and its the same scenario as far as when the negative information is scheduled to be removed. I am not understanding why the difference in the removal time, from my understanding negative information remain on file the same amount of time regardless of who the consumer is. It seems as though it may be a difference based on discrimination. I have copies of both reports and I will send them in with the differences highlighted if necessary. I want to know why there is such a difference as to why my negative information stay a lot longer on my credit file, making it harder for me to repair my credit and raise my credit score than it does for another person in a very similar situation than mine. The only difference between the XXXX of us is that she is a XXXX female who is XXXX years older than myself. I have the hard copies of the credit report that I plan mailing to the investigator assigned to this complaint as soon as I hear a response from this bureau. Again I would like to know the difference and why some consumers such as myself have a longer waiting time for negative information to be removed than others. Thank you.
Product: Checking or savings account

On XX/XX/XXXX, we deposited a check, written on Bank of America, from our insurer, for hurricane Irma damage. We were told, since this was a Bank of America check, that it would clear in 24 hours. So, we opened an account with Bank of America and deposited the check. We looked online and found a notice that it was being frozen for 48 hours, until XXXX XXXX XX/XX/XXXX. We called their toll-free number on the XX/XX/XXXX and were assured it would clear on theXX/XX/XXXX. On XX/XX/XXXX, we went to the bank since we needed the funds ASAP to prevent further damage. They said they couldn't release the funds. Then, we looked online and it said we would not receive the funds until XX/XX/XXXX at XXXX XXXX. This is endangering our property by withholding these funds. The message online said we should call the company who gave us the check. We called XXXX XXXX who said it showed as clearing their account on XX/XX/XXXX. We went back to the bank on XX/XX/XXXX and they said the funds were not available but they would absolutely be available at XXXX XXXX on the XX/XX/XXXX. It is now the XX/XX/XXXX at XXXX XXXX Eastern and the funds are not available. The person at the bank said they may be available tomorrow but they were holding them for fraud concerns. We are approaching hurricane season again and our roof could not withstand another storm.
Product: Mortgage

After re-reviewing an account transaction document received from Bayview Loan Servicing LLC XX/XX/XXXX earlier today, I found a charge of $ XXXX from the servicer applied to my account in in XXXX XXXX for a FORCED PLACED homeowners insurance premium despite having full coverage at the time. Upon further review of the document listing transactions from XXXX XXXX - XXXX XXXX, there appears to be no reversal/credit of that charge. 

I own a condominium XXXX Massachusetts XXXX and the master policy at the time was in place from XXXX XXXX and ran through XXXX XXXX. The certificate was submitted to Bayview Loan Servicing LLC in XXXX XXXX within three weeks of being requested by them for proof of insurance. The premium however, was charged to my mortgage account two full months BEFORE receiving any notice and while the policy was in place and in good standing. Nor was I ever advised in writing or at any time during the phone conversation confirming receipt of the policy certificate of having a forced-placed policy or any charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a few inquires on my account that I did not consent to. XXXX XXXXXXXX XXXX XXXX. 
Credco XXXX. XXXX XXXX. XXXX XXXX. I called to try to get these items removed and after staying on hold for more than 45 minutes, all the companies did was be rude and give me the run around. The inquires should be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have creditor that are old and have been paid out that should be removed from my report. They are over 11 years old that need to be removed. Experian refuses to have them remove.
Product: Vehicle loan or lease

I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire XXXX timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX XXXX XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me arrested and committed for a XXXX  XXXX  versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a XXXX period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this!
Product: Consumer Loan

When trying to change the account from which my monthly payments were automatically drawn from I was given untrue information from PNC bank which ended with XXXX payments being late and thus affecting my credit score. I have tried working with PNC to resolve the issue, but it has not been successful. I 'm simply looking for the recorded phone calls I 've had with PNC to be reviewed to prove their error and my credit score to be adjusted accordingly.
Product: Credit reporting or other personal consumer reports

The List of accounts which are bankruptcies below which has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXX XXXX US BANKRUPTCY COURT-XXXX  XXXX XX/XX/XXXX XXXX US BANKRUPTCY COURT-XXXX  XXXX I looked at my Equifax credit report on XX/XX/XXXXXXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint regarding an account Equifax is reporting. I have requested information and validation multiple times with them but to no avail. I have not received any response to my mailing from XX/XX/XXXX. The error is XXXX XXXX ( XXXX ). In my letter disputing this error, I told Equifax that I challenge the accuracy and reporting of this item. Equifax is reporting that XXXX XXXX ( XXXX ) Date of Last Activity is XX/XX/XXXX, this does not match any payment date or account change on the reported account. They are well beyond the 30 days response time to validate the accuracy of this information. Then on XX/XX/XXXX I filed a complaint here stating that they had not responded to my letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, saying " This process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete " This is a stall tactic and this is almost two months past the date my letter was mailed and received by Equifax. Equifax can not validate this item but is stalling to remove it as they should have done already per the Fair Credit Reporting Act. As I stated I would in my initial letter to Equifax, I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this account from my credit report. I have attached my initial letter to Equifax, the certified mailing receipt, and my CFPB complaint where Equifax tried to stall saying This process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete.
Product: Money transfer, virtual currency, or money service

About three months ago, my Coinbase account for a few years was put under review and locked by Coinbase ( coinbase.com ), which means I can't buy or sell or in any other way touch my investments in the Coinbase account. Coinbase app claimed that they need to verify my information. I contacted their customer service over the phone on XX/XX/year>, and completed all the verification steps instructed by the customer service agent on the phone. The agent on the phone confirmed they've got everything, and nothing else is needed from me, and they will review my information. They gave me a case number. However the customer service agent refused to provide any timeline around when the review will be done, and just told me to wait. 

Now it's more than 3 months since my account was put under review, and it's still locked. I tried to follow up with Coinbase using the customer service email they sent me but got no response. Please help me. 

For reference, here 's my case number given by Coinbase customer service agent : # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information reported on the XXXX XXXX XXXX XXXX account associated with all the information being reported on my credit report by XXXX XXXX. I do not acknowledge this account as mine. Specifically, the outstanding balance and past due amount are incorrect. Upon reviewing the information, I found that the past-due amount reported exceeds the credit limit. This discrepancy raises serious concerns regarding the accuracy and fairness of the reported information. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute inaccurate information on my credit report. I respectfully request that XXXX XXXX XXXX XXXX take the following actions : investigate the account to verify the accuracy of the past due amount reported, considering that it exceeds the credit limit ; correct the inaccurate information if the reported past due amount of {$1800.00} is indeed an error, and update all records and credit reports to reflect the correct balance ; provide a detailed explanation if the past due amount is accurate, along with documentation supporting the validity of this balance. According to the FCRA, 15 U.S.C. 1681i, XXXX XXXX  is required to investigate disputed information within 30 days and correct any inaccuracies found. Additionally, under 15 U.S.C. 1681s-2 ( Section 611 ), furnishers of information to consumer reporting agencies must promptly correct and update information found to be incomplete or inaccurate. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to request validation and verification of the debt. For all such issues in dispute please remove this account from my credit report. I trust that XXXX XXXX XXXX XXXX will address this matter promptly and ensure that all records accurately reflect the status of the account. Please provide a written response to my dispute within the legally required timeframe.
Product: Money transfer, virtual currency, or money service

When you submit a complaint through the CFPB, you can choose to publish your description of what happened in the Consumer Complaint Database on our website, consumerfinance.gov. Reading your first-hand account will help researchers, consumers, and others better understand the financial marketplace. 

Before publishing your description we will conduct a series of automated and manual reviews to remove personal information. The following example highlights the kind of information that we plan to remove : We took out a private education loan for our daughter XXXX while she was attending the XXXX University in XXXX, MA. This loan went into default after she transferred to a community college in XXXX, MA. Our lender received notice that she was no longer a full-time student in XXXX XXXX XXXX XXXXXXXX. Then our younger son XXXX became very sick and we could no longer make the monthly payments on our daughters loan. We tried to set up a new payment plan to get us back on track, but the servicer wont negotiate. We've been paying what we can but we still haven't reduced any of the principal on the loan. 

We will monitor this scrubbing process so that all personal information is removed in accordance with our Scrubbing Standards, but a risk remains that something will be missed and publicly released. Despite the scrubbing process, someone may be able to identify you. The scrubbing process takes some time and your description won't appear on
Product: Credit reporting or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Debt collection

XXXX has placed me into collection for a bill they have not even sent to me yet. I ended my service with them on XXXX XXXX, and have yet to receive my final bill from them. However, I received a call today ( XXXX XXXX ) from a company purporting to be a debt collection agency called Southwest Credit Services, with whom I have never had any interaction previously. This person told me that XXXX has placed me into collection for a {$52.00} dollar bill that I have not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the items listed on my FTC reports
Product: Student loan

In XX/XX/2018 I attempted to change my income based repayment plan form a different IBR plan to RE-PAYE. I was told that I needed to submit an application to change my loan payment plan. During the process, I was told that My loan would be transferred to the standard 10 year repayment plan but in forbearance. I would then need to make a nominal payment, such as {$10.00} to cover the month on the standard payment plan. The following month, my loan would be transferred to the new plan and resume under the new RE-PAYE plan. They did say this would cost me one month of Public Service Loan Forgiveness as the month on the standard payment plan would not count. 

I submitted my application. When the loan was transferred to the standard payment plan, I made a payment of {$10.00} as instructed. I waited and it took 3 months to change payment plans costing me 3 months of Public service loan forgiveness eligibility. 

I submitted a new employment certification and on XX/XX/18 was told that I had made 44 qualifying payments. 

On my XX/XX/2018 statement. I received notice that my account was past due {$0.00}. This was surprising since my account has been on auto payment from the 2nd payment. I also noticed that my Public service loan forgiveness qualifying payments has been reduced to 34 on several of my loans. I called the XXXX number and the person on the phone ( id : XXXX ) told me that the {$10.00} payment while my loan was transitioning plans, was not applied to all loans properly and there was an outstanding balance of a few cents on a few of my loans. She stated that since there was an outstanding balance over the past few months, the payments I made would not count towards public service loan forgiveness. I explained that I followed all instructions given and she agreed that they misapplied my nominal payment. Additionally, no notice was given about this outstanding balance until XX/XX/2018. I started the payment plan change in XX/XX/XXXX. She said she would submit the account for review to get the {$.00} cents removed. I explained I was more worried about the public service loan forgiveness. She stated she wasn't sure what would happen with that. I asked how long it takes to have my account reviewed and she stated she did not know but it could take a few billing cycles. 

At this point, I feel I am being cheated out of qualifying payments towards public service loan forgiveness because of a clerical error. Additionally, I was not properly and timely noticed of a past due amount. Furthermore, I should not have 10 months of public service loan forgiveness retroactively taken away after it was already granted.
Product: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns regarding zelles habdling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBP 's findingsindicate that Zelle has not only neglected to protect consumers but has also allowed repeat offender to expolit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I would like for Equifax XXXX and XXXX to stop sharing my nonpublic personal information per my rights under the Gramm-Leach-Bliley Act. I have already submitted complaints with CFPB for this information being reported. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ), which I have not approved or given written permission to furnish in my credit report.
Product: Debt collection

Attorney wrote a letter to XXXX XXXX stating that interest rates were usury and illegal in the State of New York and that the bank was to cease all phone calls which begin in the middle of the night through XXXX and XXXX XXXX   and all day long. Bank inflates amount owed and is ruthless and fraudulent in the bank 's attempt to collect. The phone calls are debilitating.
Product: Debt collection

We moved out of an apartment ( 600sq ft ) back in XXXX XXXX where we used XXXX XXXX for our electricity. Within a year, our bill went from around {$60.00} up to {$200.00} with no reason. When we moved, I canceled our service with XXXX. They tried to charge us over {$300.00} for doing so when they had already ripped us off on our monthly bills. I conveyed this to the original collection company back at the end of XXXX and heard nothing after that. It was removed from my credit report earlier this year but is now showing up again with a date of XXXX XXXX, XXXX under XXXX. There is no reason I should have to pay this amount for a company I havent used in over 2 years that gave no reason that I was significantly overcharged. If anything, they owe me money back.
Product: Checking or savings account

For reasons unknown to me my direct debit on my account was frozen by this bank. Causing me to not able to pay my credit card on a scheduled payment. Called the bank first time and they did not even bother to look into this and just lied to me that it must have been the payee 's problem. 

Had to waste my time the second time to call them again for the bank employee to eventually look into what happened to my account who at the first was still trying to tell me nothing was wrong with my account.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update the account to PAID/NEVER Late and send me a copy of my updated credit report. 

I have also attached proof of payment : Bank statement XXXX XXXX confirmation statement Waiver fee reimbursement due to the mistake Account # XXXX XXXX XXXX XXXX