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

ACCOUNTS : 1. XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3 . XXXX XXXX XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX XXXX  XXXX 6. XXXX XXXX XXXX  XXXX 7XXXX XXXX 1561 U.S Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit reporting Act XXXX  Account # XXXX, Has Vioated My Rights.

15 USC 1681 Section 602 States I Have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish a account without My Written Instrustions.

15 USC 1666b : A Creditor May Not Treat a Payment On A Credit Card Account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, got adviced by Coinbase support to create a new Coinbase account. As my old account is no more accessible due to authentification issue, that would allow them to transfer the balance from my old account to the new one. 
On the same day, I did create a new account, I mentionned to Coinbase Support my old account and new account emails. 
Still on same day, Coinbase Support then informs me that they're working with a specialist in order to perform the balance transfer from my old account to the new one. 

Then, no news from Coinbase Support, while my money is locked for almost one month now. Got no answer from email sent after to Coinbase Support, no answer from XXXX Coinbase Support user " XXXX '' in order to try resolve my issue. 

Case # XXXX
Product: Checking or savings account

I have cancelled and fulfilled my obligations with XXXX I keep getting money taking out from my debit card even though i have cancelled and have confirmation of my cancellation. I have contacted them numerous times as well as my bank. Still getting billed. The last 2 charges were on XX/XX/2022 and then again on XX/XX/2022. My bank has reimburse me for the previous charges but have not stopped XXXX from withdrawing money from my account. I have placed a stop payment order with key bank and revoke authorization for XXXX to take money for there XXXX XXXX XXXX that i no longer have need or want and have cancelled. I have confirmation that they received my cancellation and they say they cancelled it but continue to bill me. Im not happy with key bank for not helping stop this matter and im not happy with XXXX. They only billing communication is through email. There is no actual human to talk to in person. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon possible : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance XXXX XXXX Late Dates XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal and they also violated my rights under 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX
Product: Mortgage

We have been filing for a XXXX XXXX assumption with PennyMac since XXXX of 2022. 
This has been a very frustrating transaction for both the buyer and the seller who are veterans and just want this loan to close. 
The mortgage officers in the assumption Department have completely disappeared on us numerous times, they have also repeatedly asked for the same documents over and over and then when we submit them they just disappeared on us again. No response to are phone calls or emails. We have reached out to management and filed several complaints. We are always promised to get a response but never do.
Product: Checking or savings account

Citibank reference # 's : XXXX and XXXX I am the executor of my Aunt 's Estate. She had various checking and retirement accounts with Citi. I was able to close the checking accounts at a local branch, but they were unable to take any action on the retirement accounts. 

I have sent correspondence to Citi XXXX XXXX XXXX in XXXX XXXX, TX with the required legal documentation demonstrating that I am the executor ( with an original of the death certificate ) requesting that Citi identify to me the number of accounts that remain active and who the beneficiaries are, if any were named. 

My letters are datedXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which also included withdrawal forms Citi asked me to complete. 

On XXXX XX/XX/2021 Citi issued XXXX checks to the estate of my aunt in the amounts of {$5500.00} and {$9700.00}. There was no explanation at all and no reference to the type of account the funds came from, or the account numbers. All I got were checks in an envelope marked " XXXX XXXX ''. No statement was provided to indicate how the amounts were determined. 

XXXX months after asking Citi to provide me account information and balances, I still have no response. I have no idea what accounts were open, what the balances were and whether some or all of the accounts have now been closed. 

I have made it very clear in my correspondence that by not providing me the information to which I am legally entitled, Citi is delaying the closure of the estate. The lack of responsiveness of this group, and the inability/unwillingness to respond to specific questions, has been very very frustrating. 

My specific request remains exactly the same. Tell me what retirement accounts my aunt had active at the time of her death. Tell me the account balances. Tell who the named beneficiaries were, or if there were none. And please close all the accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment within Grace Period : The reported 30-day late payment is inaccurate because my records show that the payment was made on time, well within the creditors 15-day grace period. Therefore, reporting a 30-day late payment is incorrect. 
Clerical Error : Upon review of my account, I identified a clerical error where a payment was incorrectly applied to a different due date, causing the late payment report. Documentation from my financial institution shows the payment was processed on time. 
Evidence Provided : I have attached bank statements and transaction records confirming the timely payments, which prove that no late payment occurred. Additionally, the creditor failed to notify me of any delinquency, which is a required step before reporting a late payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

OnXX/XX/XXXX called them at about around XXXX XXXX. They told me I owed XXXX when I owe XXXX every time Ive called them previously they dont identify who they are. On one case I called them and I said the wrong name and they said I had the wrong number! Didnt even say they were a collection agency! When I called Them on XX/XX/XXXX I was talking to the lady and when I asked if I could settle she told me no, I asked where It goes if I dont pay it and she told me they would take legal actions. I was just asking her because I didnt know if it went to another collection agency. She kept saying okay man. She didnt have the correct info. I understand I wasnt professional, but On there website it says they maintain the highest level of professionalism. Which they do not! I told her I could make payments on the bill but only XXXX and she said that when XXXX rolls around they have to increase it. She also kept saying you wouldnt go into the grocery store and not pay. At no Point did I act like I wasnt gon na pay it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX in XX/XX/year>, the breach exposed my personal information : Full names Social Security numbers Current and past addresses Dates of birth Phone numbers Email addresses This impact has caused THE MISUSE OF MY information, accounts, change of my address, the fraudulent use of my personal information, that has caused identity theft.
Product: Mortgage

My mother died and I did not know she had a mortgage on her estate. When i found out about the mortgage i immediately contacted the mortgage company to make a payment. They informed me that I was not the executive of estate due to the fact they can not talk to me. Thereafter I became the executive of estate, then they requested documents death certificate, will, utility bills my birth certificate so on an so forth. By that time The mortgage company XXXX informed me that the estate was in foreclosure. That there was not a payment in a year. I panicked for a moment. I asked what is it that I have to do to stop the foreclosure. XXXX informed me that I had to fill out a Loan modification packet. I did over a dozen of Loan Modification packets. XXXX informed me that I was denied a Loan Modification because I was not residing in the house which the utility bills had the address of the estate. By that time XXXX had sold there Company to XXXX XXXX. Then we had to start over again. At that time I had all the documents XXXX XXXX XXXX requested at that point XXXX and XXXX XXXX was at fault for over charging minority. Then XXXX XXXX XXXX sold there Loans to Greentree. At that point I had to start over again they did not have any documents from the previous Companies. How can you determine if my mother owes on a loan if you do not have any documents that I summited. Well after I summit all the documents that greentree requested. Greentree always said that XXXX document or another. I played alone with that game for about two years then Greentree informed me that they was merging with DiTect at wits end.
Product: Debt collection

I have sent 2 letters dated XX/XX/19 and XX/XX/19 asking for details verifying this debt was mine. I had government state insurance at the time of the visit and they have not been able to send me information I requested. I have told them twice to remove off my credit report as this is not a valid debt.
Product: Debt collection

I sent wriiten notice saying : 'Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove  : Company will not reply back to me..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Affirm Inc  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit wise. DBA XXXX XXXX is nor updating my fico score. It's been. Stuck with same s ore since XXXX and up to today its still not moving
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with the creditor, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX, and the credit reporting agency Experian In XX/XX/XXXX. After the reinvestigation Experian claimed to have made updates to the account stating that a recent payment was made in the amount of {$140.00} in XX/XX/XXXX, {$37.00} on XX/XX/XXXX XXXX & {$66.00} on XX/XX/XXXX XXXX XXXX XXXX Bank. It also made this as the new date being reported for this XXXX yr old account. Which is now only a few months old. I DID NOT MAKE THIS MOST RECENT PAYMENT on any of these three acts.. THIS ENTIRE Conns ACCT IS FULL OF FALSE INFORMATION. I have uploaded the court documentation that shows that they lost the court case against me because they had NO WAY TO PROVE IN THERE RECORDS THAT I OWED THE BALANCE REPORTED! Experian still validated the debt then changed to a newly reported date and claiming I made a new payme nt on the acct dated XX/XX/XXXX {$140.00}. This is false information and must be removed to be in agreement with the laws.
Product: Debt collection

In XXXX XXXX an apartment I moved out of was retaliating against me for some disagreements the property manager and I had to do with repairs in my unit that they refused to fix (law violation  #1) and towing vehicles. I did not renew my lease with them however, upon giving proper notice of intent to vacate, I somehow acquired a lump sum of charges (XXXX) that I was never informed of (law violation #2). For the record, I was first notified of the charges on XXXX XXXX XXXX by the debt collection agency ProCollect, 2 months after moving. The claims made against me were clearly made in bad faith. XXXX XXXX XXXX XXXX XXXX submitted no evidence to support their allegations and instead the credit bureaus and debt collections agency let a mere copy of the lease agreement constitute as evidence. I sent multiple dispute letters claiming the false statement of fact provided by XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX XXXX I sent Pro Collect a final dispute letter with attachments that refuted all of their claims against me. I received nothing back from ProCollect but now this is the only derogatory mark on my credit and it is completely illegal. ProCollect has violated the fair debt collection practices act. Section 807(5) States that a debt collection agency cannot threat to take action that cannot legally be taken. Section 809(b) States that if a consumer notifies the debt-collector within the thirty day period (a) that a debt, or any portion thereof is disputed, the debt collector shall cease collection of the debt.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX ; Account name : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX Account name : XXXX XXXX, XXXX, XXXX ; Account name : XXXX XXXX ; Account name : XXXX XXXX ; Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, XXXX ; Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, XXXX ; Account name : XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U. S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This negative collection account by Eastern Account System was reported to the credit bureaus, and added to my credit report even though when I closed the account with the original credit my account was closed, paid and in good standing. All equipment used was also returned to the original creditor.

I have NO KNOWLEDGE of this debt, as I did not owe the original credit any unpaid balances, and have never personally had an account with Eastern Account Systems.

I have previously contacted Easter Account System to resolve this matter, advising them that I do not owe this debt and the account was reported incorrectly. I have even suggested a possible settlement, just so that this could be resolved and removed from my credit report, even though I know this debt collection is inaccurately reporting. The collection agency declined.

I also search up on the NMLS.consumer.access.org website to verify if this company is legally licensed to collect any debts for the state of South Carolina, where I reside as a resident and they do not have a South Carolina license.

Any attempts that Eastern Account System is making to collect on a debt within South Carolina would be considered illegal due to no license. This is fraud.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX Former : XXXX  XXXX Employers : SELF Employers : XXXX XXXX Collection/Charge Off XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XX/XX/XXXX {$6700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$5800.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On, XX/XX/2022 I received a call from a representative claiming to be working for XXXX through JP Morgan Chase requesting if I made a payment of XXXX Dollars to a XXXX at XXXX ( XXXX ) XXXX. I said no and they proceeded to ask for my information which I provided for my XXXX account. They then sent that payment to themselves using that hacked account and number by fishing my personal information. I called my Chase bank after realizing what happened and said that I was scammed. They investigated the claim and said since I authorized the transaction that it could not be refunded and that I did not report within 60 days. I received a letter on XX/XX/2022 after I called them one on XX/XX/2022 and on XX/XX/2022. I even reported the number to XXXX and told them this number and person were committing fraud. Assured me that the account was reported and banned. However, I requested my money to be returned by the recipient twice and saw that the account was still active hoping the person who got hacked as well maybe perhaps got their info back and would do the right thing. My bank, Chase, refused to help under Regulation E and XXXX claimed that they could not provide any assistance citing they do not provide buyer protection on authorized transaction between relatives or friends. This hacker was not my friend or my relative and its unfair that neither of the two companies and institutions have failed to refund me my money under FDIC guidelines. Also, I think its poor practice to not provide any buyer protection like XXXX does. The banks are letting these types of scams run rampant because they refuse to ask XXXX, XXXX, or, XXXX protect consumers. I have uploaded two statements from Chase one where a similar scam was done through XXXX by fishing for my information and another through XXXX. XXXX was able to credit me my XXXX dollars alongside with Chase, but then refused in another statement to do the same through XXXX a company they advertise?
Product: Debt collection

Went online to pay bill sent to debt collector in amount of XXXX. Would not let me access account info. A link popped up for chat line to talk to agent. I talked agent gave account number they started typing my wife owed XXXX from 12 account and how did I want to pay.i told them I owed XXXX from original debtor they keep saying other amount then typed in bold capital letter we owed 12 account XXXX. I have never dealt with these people ever before. I will not pay a bill I dont owe. So I stopped chat. They will not let me pay the XXXX we owe.