23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car note with Westlake Financial in XX/XX/2020. However, since that time they have actually been reporting that my account has been late, and still show that I have a balance owed. I even have a letter directly from Westlake that shows I have no balance left on this account, and that it was paid in full in good standing. I am not sure what the problem is in regard to why Westlake is unable to report this account accurately, but I have now waited nearly 4 months for their company to properly update my credit report. The account number is XXXX.
Product: Money transfer, virtual currency, or money service

I was charged a {$110.00} fee for transferring a payment on XX/XX/2022 mistakenly as a transaction to my landlord as rent for the month. I had call PayPal to reverse or cancel the payment but they said they could not but instead asked me to call my landlord to return my payment but he would still be charged {$110.00} as fees. Since I didnt receive anything and this wasnt a transaction for good received I dont see how either I or my landlord should pay this fee. There was no where within the transaction journey that states that there was going to be a fee assessed when I receiving payment, if there was I would never have randomly clicked on transaction. Fees should be clearly stated, PayPal is knowingly being deceptive when theyre not providing an option to understand how fees are collected. This is a clear UDAAP violation. Id like the fee reversed. Ive attached the transaction ID below as reference.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnion 's failure to remove unauthorized hard inquiries from my credit report, despite multiple requests. These inquiries, which I did not authorize, include entries from XXXX  XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), and XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ). TransUnion 's inadequate response and failure to provide verifiable documentation linking these inquiries to my accounts demonstrate non-compliance with the Fair Credit Reporting Act ( FCRA ). I seek the CFPB 's intervention to ensure these erroneous entries are promptly removed and my credit report is corrected.
Product: Debt collection

Dear whom with concern, Hope all is well. I'm XXXX XXXX and thanks for your help. 

Actually, I got a letter from collection company 'Transworld System Inc. '. 
This is related with XXXX XXXX XXXX XXXX. I called to the company and they said it's about {$320.00} for 3 toll violation collections. Each is {$100.00} and the original amount is less than $ XXXX. I don't know when was the violations. I have XXXX account and I always pay the toll automatically by the Tag by XXXX since XX/XX/2016. I have all the transaction histories. 

I called the XXXX and they told me it's already transferred to the collection company and they don't let me know when was the violations. And the collection company wants to contact XXXX. 

so could you contact them and adjust total amount? I'll pay for the original amount but I can not pay over {$300.00} for them. And I'm worry about my credit history. 

I attached the letter for {$210.00} and evidence of XXXX account since XX/XX/2016. 

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

On XX/XX/XXXX I sent out letter to have the debit from Wells Fargo removed as I filled it on my taxes as a cancellation debit XXXX form and the debit is still on my credit report. This debit is paid for now and should be up dated with Wells Fargo XXXX  XXXX  and XXXX  immediately.
Product: Credit reporting or other personal consumer reports

Pursuing fair and accurate credit reporting. 
The top XXXX credit reporting agencies are providing unfair, inaccurate creditworthiness to lenders. I have been denied credit XXXX time lately based on the credit report they received from Experian. I requested copies of my credit report from Experian, XXXX, and XXXX. The reports all align. 

The lenders rely heavily on the score/grade. They pay these companies to provide a fair and accurate of creditworthiness. After being denied, when you request a copy of the credit report provided to the lender it should include the score/grade because that is what the lender uses in whole or in part to make their decision. This would represent full transparency in providing information. 

This could be age discrimination. When younger and you have a low score because you have no credit you are approved for credit. When older with credit history and a low score without anything negative on your report you are denied credit. The reasons for denial were : insufficient credit history ( which was not true ) and we used your credit score in our decision. Both of these reasons show that the reporting agencies are not providing true and accurate creditworthiness reporting.
Product: Checking or savings account

* XX/XX/year> - Signed a contract as a XXXX XXXX XXXXXXXX  as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. A {$25000.00} sign on bonus guarantee was part of the contract to cover moving expenses * Received {$25000.00} sign on bonus in the mail after signing contract & onboarding * XX/XX/year> - deposited check in person at my local Chase branch in XXXX XXXXXXXX, IA. Received no questions about said check & was made aware funds will be available XX/XX/XXXX after a holding period. 
* XX/XX/XXXX - received notification by both email and mail my account would soon be closed to protect against fraudulent activities. 
* XX/XX/XXXX - I called Customer Service to address the situation and was told account closure is only something that would happen if the check did not clear. I would only need to use number verification system if I needed my funds prior to XX/XX/XXXX which I did not. 
* XX/XX/XXXX - {$25000.00} check balance was made available to my checking account * XX/XX/XXXX- Chase account was closed with the {$25000.00} balance in my checking account without my knowledge. 
* XX/XX/XXXX - visited XXXX XXXXXXXX Chase branch in person and was told by a banker my account was permanently closed and I would receive a cashiers check with my funds within 2-3 weeks. 
* XX/XX/XXXX - Called Chase customer service to determine timeline of when to expect funds, since I need these funds to move across the country and begin my career as a dentist. I was then told my funds were suspended and not to be released until a number verification. I was then told these funds could be held forever, and I likely would not see them back. Representative asked for verification number for the check and the multiple numbers given by my employer & employers bank did not match their Chase verification system. 
* XX/XX/XXXX - Met with Chase banker & was made aware these funds are in suspension indefinitely until I can confirm a number verification through my employer. I was made aware this is the only verification system Chase offers & refused alternatives that my employer offered to authenticate check in person or through notarized letter. 
* XX/XX/XXXX - Contacted accountant through employer to make them aware of the case and was told Chase had cleared the check form their account back XXXX and that there are no other numbers associated with the company or the companys bank to verify this check. 
* Additionally, this circumstance falls under Unfair, Deceptive, or Abusive Acts or Practices Unfair, Deceptive, or Abusive Acts or Practices due to Chase 's unfair treatment in abruptly closing my account and indefinitely suspending access to funds without clear justification or communication. Additionally, the deceptive handling of my account and refusal to accept alternative verification methods imposed an unreasonable burden on myself & employer, undermining access to my legitimate earnings & ability to pay for a cross country move to begin work.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX is XX/XX/XXXX. I have recently sent a complaint regarding my credit report. I have been told i was late in XX/XX/XXXX but then i saw on my credit report, WF marked me late in XXXX. I know i was not late & XXXX advised me as well that the XXXX late payment was marked wrong & will be taken off my credit report. I disputed the late payment with XXXX & was told that wells fargo told them the info is correct. I was told multiple times that the payment marked late in XXXX was incorrect.
Product: Money transfer, virtual currency, or money service

I placed an order to transfer {$1400.00} from my linked bank account to buy XXXX on the Coinbase XXXX mobile app. When I submitted the transfer an error message came up stating it was unable to process. So I then placed the same exact order for {$1400.00} again because the first transaction didnt go through. After the order processed I noticed Coinbase had processed 2 withdrawals for {$1400.00} each even though the first one came back in error. I didnt have enough funds in my account to cover this so I attempted to contact Coinbase and all I could get a hold of was automated messages same with email I received the same identical responses twice. After contacting my bank the said they couldnt stop this transaction therefore I got overdrafted for a {$30.00} fee from my bank. Coinbase Inc. tried to process the order again and I got overdrafted for a second time for {$30.00} from bank and I literally had no one I could get in touch with this whole time from Coinbase. Not to mention I also got charged a {$21.00} fee on a transaction I never even submitted then another {$21.00} when they made me overdraft twice. I get there is issues that occur but it is ridiculous I couldnt get a hold of anyone to solve this before losing more money I never even transferred in the first place. Coinbase owes me ( 2 ) {$21.00} fees for a transaction that came back in error but somehow still went through. They also owe me ( 2 ) {$30.00} overdraft fees that my bank charged me on. At the very least Coinbase owes me {$100.00} and a big apology for ZERO communication.
Product: Mortgage

Loan Depot.com, LLC has been mishandling my VA home loan. They sent me 3 statements this month and failed to apply my payment last month even though it cleared my bank, XXXX. They have changed payment mailing addresses several times in the last few months without notifying me. I receive calls from them saying I havent paid. I send them copies of my bank statement and give them the confirmation number but it doesnt seem to matter to them. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I suspect they may be trying to overcharge me or worse, take my home. They falsely damage my credit. They said this issue would be handled by a senior employee, but no one has contacted me. Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 15 US Code 1681E Compliance Procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information 15 U.S.C 1681i ( 1 ) Reinvestigation required; ( 2 ) Prompt notice of dispute to furnisher of information ; ( 3 ) Determination that dispute is frivolous or irrelevant and 15 U.S.C 1681b Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to Evidence of inaccurate information see attachment :
Product: Checking or savings account

opened two business accounts at Bank of America online I order two cards one for my primary account the other an employee card for the secondary account however I added funds to the secondary account and it automatically without authorization or knowledge went into the primary account I called and spoke with a representative and was told the cards are attached to appropriate accounts and that I may have made an error with deposit into wrong account after further issues being the same I called in Again and was told on XXXX XXXX XXXX XXXX that both cards was attached to the primary account and that funds have been used from my primary account every time the my employee swiped their card my account was notated and I was told the issue was resolved however upon further issue I noticed the card was still attached to my primary account and my employee was able to directly have access to my business funds via XXXX atm and any other means and I was told by the bank that they cant issue my money back and that I can file a civil suit this has caused a great deal of stress both financially and emotionally and I just want my money back. As a response to complaint filed on XX/XX/ they totally disregarded the request for information and refused to address the individual complaint at hand that had absolutely nothing to do with their response in efforts to minimize responsibility
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Debt collection

They go by Natilonal Credit  Adjuster  or  XXXX , They have repeatedly called my job on several occasions harassing my co-workers and supervisors saying that they are trying to find me and other personal information. My Supervisor even had a talk with me worried that a personal  investigator or  something was trying to find me. They can not call my place of business and leave voicemails and harass others frequently. They called in    XXXX   XXXX     2017, and   called again on    XXXX   17. And t hat is just the recent ones that I can remember! I have been in to uch with them and they say that they will send me verification of the debt, which they have not. They also say that they are going to serve me with a summons several times, which they have not. they say I have a case # which is not valid as a court case #. I know the law and informed them that this is misleading and they tried to say that I was getting hostile and it I did n't admit this debt they would be forced to seek legal action which they have not!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXXXXXX. 

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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

XXXX XXXX, XXXX, XXXX XXXX Experian XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX date:XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
Product: Credit card or prepaid card

I paid my bill, which was over {$10000.00}, in full through a third-party payer, which is usually how I pay it, and the payment was received by the credit card company, Bank of America XXXX and the same day or the next day they also, on their own accord, removed the identical amount from my private bank account, and then went ahead and just credited the amount to the Credit Card XXXX This occurred more than 2 weeks ago, and I spoke with them and they claimed it was impossible that something like that could occur on their end, and that I must have gone into their banking app and paid it, in addition to the payment that I made through the third party payer, which NEVER HAPPENED. They said that they needed to investigate it to reverse the payment and put the money back into my account, but that has still not occurred. 

Even if they do so, this is a theft. Whether this was a glitch in their system, or the result of an intentional act by a Bank of America employee, my checking account was severely overdrawn as a result of their actions. I am owed interest, or some other form of compensation, in addition to, of course, the return of the initial amount they wrongly removed from my private banking account. For your further information, they had my private account information in their system as I had paid a couple of bills directly that way.
Product: Credit card or prepaid card

On XX/XX/2019. I disputed 2 charges on my XXXX credit card. 
( 1 ) {$1300.00} & ( 1 ) XXXX. 

A conditional credit was issued to my card on XX/XX/2019 ( see statement # 1 attached ) on XX/XX/2019 the conditional credit was reversed by CITI bank after merchant responded. ( see statement # 2 attached ) I contacted Citi bank again, very frustrated was not happy with the way Citi bank handles my case. 

I submitted document to Citi my resort reservation was cancelled. Since it was booked thru third party. XXXX  ( third party ) does not want to refund the money. 
Where the contract clearly reads administrative fee are non refundable. I agreed to pay the administrative fee only. ( see attached ) XXXX XX/XX/XXXX, Citi bank debit/ charge my card again for ( 1 ) of the conditional credit that was already reversed.

I have made several phone calls. I still waiting for Citi bank to credit my card back for {$1300.00} for duplicate charge for conditional credit ( see statement # 3 ). I need help resolving this.

I am also attaching 2 screens shots showing ( 1 ) of the charges was settled in the merchant favor ( 1 ) of the charges was settled in my favor 3rd duplicate charge I need the credit back to my card
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my updated credit report in XXXX XXXX, I see that the same account was erroneous. The 3 credit Bureaus are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as an unverified account without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent application submitted with my information that is inaccurate on my Equifax report from XX/XX/2022. 
I called Equifax and the institution ( XXXX XXXX ) to remove this inquiry from my file and it has been over 1 year. Equifax continues to say that I need to have the institution contact them or send something in the mail and this institution keeps telling me that they already did because it was fraudulent. Equifax continues to say they did not receive anything and this inquiry is STILL on my report.
Product: Credit card

CitiBank randomly lowered my credit limit, within a few dollars of my current balance, right before my bill was due to generate, which then caused me to be over my credit limit. My credit score took a big hit ( down over XXXX points ) because of the credit limit decrease from {$6400.00} with a balance of {$2700.00} decreased credit limit to {$2700.00}. How is this at all ethical or legal?! I have paid my bill regularly, no missed payments and always make at least the minimum payment due. I can verify/prove that my household income is over {$86000.00} a year, and that while my credit card usage increased on other cards it is due to getting my house ready to sell to purchase a new home which now is at risk due to my credit score dropping over XXXX points!
Product: Debt collection

This is a separate complaint from the other one I filed today, XX/XX/2021. After speaking with a representative from this phone number earlier and requesting once again to be removed, they called me again at XXXX PST. I did not answer, but they have continued to call despite my repeated requests to stop.