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

In accordance with the fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions
Product: Credit card or prepaid card

My husband got gas on XX/XX/XXXX at a local XXXX gas station. The charge was for {$29.00}. A several days later we noticed our bank account was much lower than it should be. Upon investigation our charge for gas showed up on XX/XX/XXXX, but then XXXX other charges showed up at the same gas station for : - {$85.00} on XX/XX/XXXX - {$43.00} on XX/XX/XXXX - {$85.00} on XX/XX/XXXX - {$79.00} on XX/XX/XXXX - {$85.00} on XX/XX/XXXX This totaled {$370.00}! I am assuming that someone skimmed the card. I don't understand how or why they charged it at the same gas station -- unless there was an error at the gas station. 

My husband immediately called M & T Bank and reported the unauthorized charges. They gave us the money back temporarily and cancelled the bank card and issued my husband a new card. After a couple weeks, the money disappeared from our account and we got a letter saying that M & T Bank denied our claim because our PIN number was used. 

We did NOT give our PIN number out our make these charges! I read that people use a camera to catch your PIN. I find it hard to believe the bank does not know this. Also, I am still concerned -- what if the gas station had a glitch? 

My husband called and was told that we would be sent a form to appeal the decision. My husband also went to the bank personally and they put notes in our account. But, we never received the letter to appeal. 

My husband then called the bank today, XXXX, and was told that the fraud department closed the claim and will not reopen it! I was pretty angry and called. They told me the claim was reopened on XX/XX/XXXX and they are still investigating it. 

We are hearing constantly different things and are getting the run around. I have no proof they are investigating this fraud and it appears that they will not protect us. I am very upset. I called XXXX and the police and both told me that the bank is who we were supposed to call, which we did do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a request to XXXX and Experian to update my address, as I had to recently move. I have done this for XXXX months, with no change or acknowledgement from XXXX or Experian. I have tried calling the credit bureaus and have been told that they can't authenticate me because my driver 's license address does not match the address they have on file for me. I updated my driver 's license so it shows my current address, not my old address, which I am trying to update. 

I just want my address updated. I have sent the documents XXXX and Experian requires for XXXX straight months. 

Please help.
Product: Mortgage

Hi, We believe Discover discriminated my refinance cash out application due to me being under Deferred Action for XXXX XXXX. 
We received an offer for a refinance my home and take out a sum of money at a lower interest with out any closing costs. This was letter I received from Discover my credit card company. 
I got in contact with them using the number in the letter and proceeded to refinance my home. I received the first communication from Discover on XX/XX/2022. They told us to send our government issued ID 's along with other documents to determine our eligibility. The agent representing Discover was XXXX XXXX XXXX XXXX ID XXXX. We provided all the documents listed in their communication and by XX/XX/2022 we received our Revised XXXX XXXX. 

Loan amount was {$300000.00}. ( XXXX cash out ) Interest Rate 3.49 % Monthly principal and Interest payment of {$1300.00} This was a 30 year traditional loan with an estimate escrow of XXXX for an estimate total payment of $ XXXXmo The closing costs were covered by Discover according to their offer in the mail and their marketing special at the time. Only initial escrow payment was to be paid at closing. 
After all the financial and eligibility information was provided to move along. They took months to get the loan approved. They would place new documents required to and hassles and obstacles that we would never be informed of. It would not be until be logged into the site that we would find out about documents we were promised we will be informed via email or phone call. It was not until XX/XX/2022 that we received a loan decision. A loan decision was made yet the communication was blank. No reason was provided and at this point we called to get some one to help. They informed us at that time that my eligibility was in question and because I am XXXX our loan was denied. This was not explained in their mail letter nor the disclosure documents on the site. By this time Interest rates were no longer the ones in XX/XX/2022 and they deprived us of a great opportunity. To me this was done in discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX XXXX XXXX taking XXXX courses a semester while working a 40 hour week job. I Iost my job and could not pay my XXXX XXXX credit card ( {$2000.00} XXXX. A few months later after I was situated at a new job, I received a letter for the option to pay a lump sum of {$1400.00} in order to " settle '' my account. I paid this lump sum with the entirety of my paycheck ( s ) in the course of just two weeks! XXXX from the credit card department assisted me in taking these payments. 

I called back to confirm everything was done and I would no longer be harassed by their credit department, was told I was good to go. Of course that was not the case, not only was I still harassed, my credit report showed that just two months later, this account was " Charged off as bad credit '' as opposed to " settled '' ( XXXX ). I made a complaint and nothing happened. I also noticed the balance of the account was not XXXX, but $ 800< ( The amount not paid in the settlement ). Every month it grew higher, it's as if they lied and just took the lump sum and wanted me to pay the rest! 

I called back XXXX XXXX and was now greeted with a XXXX XXXX   named XXXX ( XXXX ext XXXX ), who kept hanging up on me after treating me like a criminal. I reported him to his boss with a recording of the phone call that received over 50 angry comments on XXXX, he did not return my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account XXXX XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request validation of the alleged debt associated with the XXXX XXXX XXXX account, as provided on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ) and applicable consumer reporting laws, I am entitled to receive verification of the debt before any further collection activity or reporting is made. 

The account information listed on my XXXX report is as follows : Reported Date : XX/XX/XXXX Balance : {$1600.00} Original Creditor : XXXX XXXX XXXX ( Closed ) Account Opened : XX/XX/XXXX ( approximately XXXX XXXX XXXX XXXX XXXX ) Account Status : Open, Derogatory ( Placed for collection ) Responsibility : Individual Remarks : Account information disputed by consumer In accordance with my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), I request that you provide me with the following documentation : 1. Complete Account Ledger & Itemization : A detailed, itemized breakdown of the alleged debt amount of {$1600.00}, including any fees, penalties, or charges that have been added.

2. Original Agreement & Proof of Liability : A complete copy of the original signed agreement or contract with the original creditor ( XXXX XXXX XXXX ) that shows my obligation to pay this debt.

3. Chain of Title Documentation : Verification that XXXX XXXX XXXX is legally entitled to collect this debt, including any documentation showing the transfer or assignment of the debt from the original creditor.

4. Validation of Debt Amount and Reporting : Documentation that verifies the amount claimed and confirms that this debt is reported in accordance with the Metro 2 data standards and FCRA requirements for accuracy. 




Until I receive the requested validation, I hereby dispute the validity of this debt and request that all collection activities cease. Furthermore, if you are unable to provide the requested documentation within 30 days, please remove all references to this account from my credit file as required under FCRA 1681i ( a ) ( 5 ) ( A ).

Please send all correspondence and copies of the requested documentation to the address listed above. If you have any questions or require additional information, please contact me in writing. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Student loan

I just pulled a credit report from XXXX that was generated on XXXX 

I paid all of the EdFinancial balances off in XXXX XXXX However, all of the balances from EdFinancial are showing last updated as of XX/XX/XXXX  and are still open. Now that we are going into XXXX, I believe they should be accurately updating and reporting the status of my balances. Especially since the payments on student loans are starting again soon, I do not want a chance to get marked as late payment because they are fully paid off, I have no need to make payments. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o.

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. 

Thank you for your help in protecting my federally protected consumer rights.
Product: Checking or savings account

Wells Fargo has incorrectly charged me multiple late fees and overdraft fees over the years
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Experian.com and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX
Product: Debt collection

One of my family members is using my social security number these debts were not incurred by me. These are fraudulent uses by my mother who has used my ss # without my knowledge $ XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX conn appliances on XX/XX/XXXX total {$5400.00} XXXX XXXX XXXX XXXXl on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

Hello CFPB : My name is XXXX XXXX I am writing for advice on what I can do about a payday loan collection that I paid off. At least 5 yrs ago I had defaulted on an online payday loan from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. ( XXXX ) XXXX. I had paid one of the two acct off {$180.00} before the acct was transferred to a collection company named XXXX. My balance was {$710.00} which I had later paid off by XX/XX/2013. My last interaction with XXXX they tried to double dip for my last payment. Never heard from them again and cant get in touch for proof of paid debt bc no call back. My number is still the same XXXX and my address had been the same for at least 3yrs afterwards. Fast forward and I get a post to my credit report that I owe a collection acct totaling XXXX dollars to Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. They have my phone number, billing address, and job info but have never sent any paperwork or proof that I owe on this acct. Come to find out that this was probably an illegal transaction to begin with from XXXX XXXX. Now they are trying to double charge me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. This intent of this email is to dispute the blatantly inaccurate and/or illegal credit updates that XXXX XXXX XXXX XXXX has conducted. I vehemently contest the assertion ( s ) made by XXXX XXXX XXXX XXXX that this account ( Loan Number : XXXX ) has been delinquent since it was assumed by XXXX XXXX XXXX. As you thoroughly review the information that I provide it will be clear that XXXX XXXX XXXX XXXX is knowingly, purposefully and willfully reporting inaccurate information. 2. Included in this packet is the original assumption documents which show the terms of the assumption. In those documents XXXX XXXX XXXX XXXX & XXXX XXXX agreed to the terms which clearly stated that the account would be considered current so long as kept all payments current as outlined in the assumption documents. Additionally, within this packet you will see there is no agreement or mention of negative credit reporting for this assumption a XXXX XXXX XXXX XXXX has repeatedly informed me there is. When I inquired as to what legal document gives them the right to report an account as delinquent when its not they repeatedly couldnt produce any documentation with my signature agreeing to such egregious terms. 3. XXXX XXXX XXXX XXXX and XXXX XXXX have pulled every dirty trick in the book to foreclose on my mothers home. The only problem is they couldnt due to my mother being allowed to collateralize my bother ( XXXX XXXX ) and my land without out written consent. This is what ultimately led to the assumption with the new terms that are now in force. As an XXXX XXXX service member, Ive worked very hard to establish and maintain good credit but all of that stands to be wiped out if XXXX XXXX XXXX XXXX isnt stopped from posting fraudulent account status to my credit report. 4. In closing, after investigating the background of this company there exist many complaints and pending litigation. If this matter isnt effectively resolved I will lose my security clearance and my military career which Ive worked over 19 years building. All of this will be lost because of a company filing false credit updates. I can provide additional proof if required, that this account has never been delinquent since the transfer to XXXX XXXX XXXX. My ultimate goal is to either have the entries corrected and remove the negative information to include the negative implications on my credit history and totally bar this company from reporting information. 5. What actions can CFPB take if my assertions are proven to be true? What type of authority does CFPB have to correct the wrongs of XXXX XXXX XXXX XXXX? 6. My contact information is as follows : Cell Phone ( XXXX ) XXXX and Email : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX XXXX XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX  XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX : XXXX XXXX, XXXX
Product: Debt collection

Calls and voicemails everyday calling family members as well have all records saved.
Product: Mortgage

I closed on a mortgage refinance loan on Monday, XX/XX/2019 with Quicken Loans. I was told to bring {$0.00} to closing. 

I received a phone call from Quicken Loans on Wednesday, XX/XX/2019 stating that the payoff amount from my previous loan was " miskeyed, '' and that I owe Quicken. ( Approximately {$3800.00} ).
Product: Credit card or prepaid card

I applied for unemployment around XXXX and I finally got approved unemployment sent out my info to usbankreliacard and my payments are on the card but I never recieved a card its been a month or so I should have received card before I got the payments now I been cut from work due to the virus and I need this help when you call ReliaCard they keep you on hold for hours and never answer Ive tried for 2 weeks everyday all day and unemployment say they cant help me its on relia card how will I ever get my money
Product: Credit reporting

XXXX County Court for an account that I knew nothing about. Whilst investigating this information I approached XXXX County Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Trans Union make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer credit report, I have noticed XXXX late payments on my account that I was never late for.Consumer reporting agencies assume a vital role in reporting accurate information for consumer reports. I have never been late for account XXXX # XXXX. Can it please be investigated and provide proof with statements these payments were late.If proof can not be provided I please demand these payments get updated as to on time as they should be. I was NEVER late, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion illegally displaying innacurrate employer on credit report. I do not and have never worked for XXXX XXXX.
Product: Money transfer, virtual currency, or money service

My complaint is about Coinbase, a digital currency platform.   XXXX   2017 I tried to verify my identification ( by uploading my Hawaii drivers license ) in order to increase the daily amount of bitcoin that I can purchase. However, because there is some issue with Coinbase not allowing Hawaii residents to open accounts, I became locked out of my account.
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The issue now is that every time I log in, I get this " unable to create account '' screen and I can not get to my dashboard to move my funds out and close my account. I do not have any issue with Coinbase not allowing Hawaii residents to open accounts. My issue is that I 'm caught in this catch 22. I want to move my funds out and close my account, per Coinbase 's rules, however, I ca n't get to my dashboard to do so.
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I 've been emailing Coinbase 's customer support almost daily since  XX/XX/XXXX  and have yet to hear a response. They do not have a customer support phone number. I have over {$1000.00} in my account which I can not get access to. It 's very frustrating and I 'm not sure how else to contact Coinbase.
Product: Student loan

This is a complaint against Navient-XXXX XXXX for malpractice in the full settlement of private student loan accounts. 

My name is XXXX XXXX XXXX, guarantor ( co-signer ) of the private student loan accounts of my daughter, XXXX XXXX XXXX which is being serviced by Navient. I have been paying these loans myself, being the guarantor, while my daughter is paying the federal student loans which she can only afford to pay by herself. 

On XX/XX/XXXX, I called Navient offering to pay the following XXXX XXXX XXXX XXXX student loan accounts : XXXX # XXXX ; XXXX # XXXX ; XXXX # XXXX ; and XXXX # XXXX. I was talking to a lady whose name I can not remember. However, I was advised that our conversation was being taped. The lady said that to settle all the private student loan accounts on this date, I need to pay the total amount of {$45000.00} by issuing a bank check which will be electronically transmitted and debited to my bank account immediately. I then issued my XXXX Bank check # XXXX for the indicated amount. ( Refer to Exhibit XXXX with an arrow pointing to the item ) After this settlement I was expecting from Navient an acknowledgement that all the student loan accounts of my daughter were fully paid. However, Navient was still sending a XXXX XXXX every month for XXXX Account ending XXXX showing balances but demanding no payment. ( Refer to Exhibit XXXX for the latest billing summary received ) On XX/XX/XXXX, I wrote Navient reminding them of the full payment of the student loan accounts and to release me from my guarantee. ( Refer to Exhibit XXXX ) On XX/XX/XXXX Navient replied in a letter ( Refer to Exhibit XXXX ) that Loan Accounts ending in XXXX, XXXX, and XXXX are closed and paid in full with a total amount of {$27000.00}. Navient also stated in the XXXX paragraph of this letter that, regarding Loan Account ending XXXX, they only received a payment of {$29.00} and not enough to pay the loan because there is still left a balance of {$68.00}. This statement is not true because the amount attributed to the payment of Loan ending XXXX would be {$17000.00} [ Check amount of {$45000.00} minus {$27000.00} ( full payment of the other XXXX XXXX XXXX XXXX loan accounts ) ] On XX/XX/XXXX, I wrote back to Navient refusing to pay any amount because the payment of {$45000.00} was agreed to fully pay all XXXX XXXX XXXX XXXX loan accounts. 
Navient should issue me a letter that Loan account ending XXXX has been paid in full, is closed, and I no longer have any financial responsibility to this account. 
The cashing of the check payment of {$45000.00} by Navient is an acceptance of the full settlement agreed by its representative. 

I will appreciate CFPBs intervention to this matter in my favor. Thank you very much.