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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( 4 ) that your Company never provided an adequate notice which Cleary & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer generated agreement. According to 15 USC 1602 ( K ), the term adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood it meaning. Such notice may be give to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned sector, I couldn't understand is meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( 2 ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1802 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. I hereby request you to do the below mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 usc 1692G XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you accept my request i will not escalate this matter to federal Court. Incase you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. 
Sincerely, : XXXX : XXXX All Rights Reserved Without Prejudice
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and needs to remove XXXX : XXXX XXXXDate of Inquiry : XX/XX/ XXXX
Product: Mortgage

I did a refinance of my mortgage and Rushmoreoan Management Services obtained my loan. 
On XX/XX/XXXX, I contacted them to advise my home owners insurance had not been paid. 
Last week I spent over 3 hours on the phone trying to get them to pay my insurance from escrow fund that has over {$3000.00}. 
I talked to sever supervisors and they said would escalate my problem. 
XXXX XXXX advised me my insurance has expired. They contacted Rushmore to try to get insurance paid. As of today they still have not paid it. My loan number is XXXX and loan is XXXX XXXX XXXX. I would like to report them and get them to pay the insurance from escrow that has funds available.
Product: Money transfer, virtual currency, or money service

I created a Coinbase account last year to dabble with cryptocurrency. This process involves submitting a picture ID ( Drivers License ), a photo using your computer 's camera, personal info, and banking information. Your email address is submitted as well and used as your user name for access to your account. Coinbase uses a 2 factor authentication process if you or someone tries to change your password.

I made a few small investments in Bitcoin and Ethereum in XX/XX/XXXXor XX/XX/XXXX.

InXX/XX/XXXX I switched internet service providers at my home which inadvertently shut off access to the original email address used to set up my Coinbase account. I forgot to go online and change the account information to my new email address. In early XX/XX/XXXX I received a text message from coinbase as part of the 2 factor authentication alerting me that someone was attempting to change my password. I denied the transaction and immediately tried to log into my account. I was not successful. The reset password option will only allow me to send a reset option to the original ( non-acessable ) email address. I have called and emailed Coinbase tech support since XX/XX/XXXXwhen this happened. I was told to setup a new account and submit the same authentication documents as I did with the first account. I did this, this time using my new email address. I have been told that this situation has been " escalated '' to someone who can help. NO HELP has happened. I have been locked out of my account and missed an extraordinary opportunity. I have watched the price of Bitcoin and Ethereum explode and now plummet!

I still have no access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

We signed up for XXXX XXXX because it was a XXXX XXXX. Our son is XXXX, and it was important for us to have a nurturing environment. What we received was anything but. Teachers were unresponsive, and uncaring about the situation. We paid {$2100.00} and after they refused to address our concerns we stopped paying. XXXX in turn locked him out of classes. When they finally responded, they offered for us to pay for extensions so he could finish classes, and then if he could not finish, to pay another {$3000.00} to take the classes all over again. That was their solution. We of course refused. They in turned cancelled our account and when I pulled up my credit report a year later, they had hired a collection agency and put a {$1500.00} charge off on my credit report. When I pulled up my wife 's credit report, they had put it on her credit as well. She had nothing to do with XXXX, never signed anything, never spoke to them at all. When I contacted XXXX XXXX at XXXX multiple times he simply never responded.He did n't even respond. When I started complaining on social media last week, only then did they respond. They said they removed everything from wife 's credit long ago, that was a lie They then refused to discuss the matter, DIversified Recovery services refused to take it off our credit for 2 years, same with XXXX. We have been denied loans, seen our interest rates go up. Etc.. They only now said they would take it off. XXXX and XXXX are the Accreditation people who allowed this to happen. When informed they did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history shows current one month and 60 days late on the very next month. This item is reporting incorrectly and according to the FCRA it is not reporting 100 % accurate and should be removed from my credit report immediately.
Product: Credit reporting

Capital one makes it very confusing for a borrower to navigate its web portals to make monthly payments. Some credit cards you have to log into one site, other credit cards you have to log into other sites. In addition, the electronic notifications are so overwhelming when you layer in all the cross product selling and other email garbage. Then consumer becomes DE-sensitized to the notifications and billing statements and thus become in-effective as a result. 

I am a end user that is negatively effected as a result. I became overly confused and in-inadvertently missed XXXX payment. I have XXXX Capital one accounts and given the onslaught of communication it is difficult to actually understand what is what. I consider myself to be a responsible and savvy individual who is very very busy trying to provide a good life for my family, and if I could be negatively impacted by this.. ANYONE can.. this isnt a devastating event for me, its just a setback, but for another family, something similar could end their happiness.
Product: Mortgage

Fay Servicing LLC : 1. Has misapplied payments 2. Is unable to properly apply and track payments made bi-weekly 3. Is improperly charging me late fees.

4. Has improperly sent me late payment notices 5. The first time this happened, the VP of Account Management, Mr. XXXX XXXX was able to step through dates and payments to verify and acknowledge the above claims. 
6. He adjusted my accounts to resolve the issue XX/XX/2018. 
7. However, the problem persisted and XX/XX/2018 I was receiving late notices again. 
8. In XX/XX/2018 my account had been reported past due to Credit Bureaus. Despite my having never missed a payment. 
9. Again, after several phone calls, and walking the account manager through my payment history and filing a dispute with the Credit Bureaus. The issue was resolved.

10. However, the inaccurate statements persist, the late fees continue to be applied. And now, without my authorization, Payments I specifically designate for P & I and Escrow has been improperly applied to late fees, shorting the scheduled and proper P & I payments. 
11. Attached are Supporting documents and extended narrative.
Product: Debt collection

Chapter XXXX Bankruptcy filed and XXXX in XXXX Chase has been pursuing the debt from XXXX to XXXX Chase even mentioned about granting a loan mod Chase never showed up at creditor 's hearing Chase never contacted or reaffirmed debt Chase has been misleading me for all these years thinking I could lose my home I've tried everything
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.
Product: Credit reporting or other personal consumer reports

This loan was taking at a trade school that was closed down due to fraudulent practices with financial ad I am not responsible for this loan or dont have any knowledge of it
Product: Credit card or prepaid card

On XX/XX/XXXX, my Paypal Business Debit Card was fraudulently charged {$500.00}, I received an alert via text message of the charge. I immediately called the Paypal number and let them know. They closed the card and said they would reissue a new card. They also said they would investigate this claim and give me provisional credit of this amount and they did so. 

On XX/XX/XXXX, they sent a notice that the case was closed as it was a fraudulent charge and unauthorized and the amount would be made into a permanent refund. 

It appears they also reopened the case that same day, which I was not made aware until XX/XX/XXXX when they permanently deducted the {$500.00} from my paypal account and stating in the notes " After carefully reviewing your case, we found that this was an authorized transaction so it couldnt be covered under PayPal Purchase Protection. We were unable to provide a refund for this transaction. '' I immediately called and was told that the amount of the charge was similar to other purchases that I have made and therefore they deemed it authorized without any further investigation. They suggested to reopen it, they had to file as " item not received '' which after arguing that I never placed an order for any item, they filed it in that manner ... only to say, item not allowed under Paypal purchase protection. Then filed it as " missing item '' even though I never ordered anything-once again, item not allowed under Paypal purchase protection. 

After they removed the money the first time, I contacted the " supposed '' vendor where the charge took place by calling the phone number listed on the charge. The vendor explained this was the third time this has happened and that his company did not place these charges. The spelling was completely different for the business. So, apparently those that fraudulently charged my account, was using his business information as well. This could have easily been checked with the merchant verification information and realized the information was going to someone besides the business listed. 

So, at this time ... it was never completely investigated and dismissed by saying I've had purchases similar to the amount of this one, so it has to be correct. 

I spoke to a paypal employee on Thursday the XXXX of XXXX and she was going to open an appeal. She stated that I would receive an email within 24 hours about the appeal ... which, of course, I did not. My hands are tied, I am without this money at a time that I need it most.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to update my bankruptcy case status accurately. My XXXX XXXX bankruptcy plan was paid in full and closed without discharge. A case closed without discharge is not dismissed, and it is not discharged. It can happen in several ordinary circumstances. My XXXX XXXX XXXXankruptcy was filed closely after I received a XXXX XXXX discharge will not be discharged. Experian has my bankruptcy status shown as dismissed which is inaccurate and causes a negative impact to me as a consumer because creditors assume the plan was not paid in full. In my case there is no debt owed that my past creditors can come after me to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was away from my main home and living in XXXX XXXX due to COVID-19 local government lockdowns, thus I did not receive any paper statements regarding my {$100.00} balance owed and was completely unaware of this purchase. 
After lockdown easing, I returned home and immediately after seeing a pile of Macys statements. I called Macys to resolve this issue. 
I paid off the balance via a last minute offer made by an agent who stated once the payment is made, the negative items on my credit report will be removed. 

I was told by several Macys representatives that if I pay my balance that the negative items reported on my credit report would be removed. However it was never removed as promised. I was then transferred to several different agents. After making the payment, they stated that they no longer have access to my account, and can not make any modification. And told me that Im unable to speak with the macys credit report department, and I must write a letter instead. 

I wrote a letter, and called to speak with Macys executive office. I spoke to a gentleman who denied my request to have these negative information removed. 

He did not list specific reasons, only that it was denied. I pressed for a reason and was not given any to understand why it was denied.
Product: Debt collection

Looks like a student housing facility I stayed at in college turned over my debt to a lender. For me personally, I never had made monthly housing payments on my card or account when I was in school or when I had graduated. Seems to have been created in XXXX of XXXX and my credit score recently took a hit as of XX/XX/XXXX.
Product: Debt collection

The debt originated in XXXX, I fell behind on payments and it was sold to a third party. The third party is XXXX XXXX XXXX. This company drafted {$1800.00} dollars in XXXX XXXX and then told me that they would no longer draft my account. I received a summons from their attorney on Tuesday XX/XX/XXXX it said that the amount due to was {$1.00}, XXXX and I had 10 days to respond. The letter is as stamped by the post office on XX/XX/XXXX, but didnt reach me until 5 days later. The next day I went to the court house to file my response and I discovered at this time that {$160.00} was taken from my account because thats all the had at the moment. The proceedings to levy my account started just 1 day after receiving the summons without allowing me to respond. The next draft on XX/XX/XXXX will not only wipe out my entire account but I will be negative. There has been no activity regarding this debt since XXXX, and Nebraska statue of limitations on debt is 5 years. When I received the summons no information was provided other than the amount, nothing was disclosed to me. I do not understand how my account can be drafted without giving me the opportunity to file my response and how can they legally collect in a debt that is past the statue of limitation? The County court has given me a court date to present my response, so obviously this company started the draft without a court order Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM NOW AT A STANDSTILL IN MY LIFE AND THERE IS SO MUCH I LIKE TO ACCOMPLISH. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRY DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax is reporting a bankruptcy on my credit report. I provided a letter from the bankruptcy courthouse stating they did not report any information to an credit bureau about me along with a copy of my drivers license and Equifax asked me for a bill and stated they could not provide the information. It has been 60 days & I still have not received the verification information.
Product: Debt collection

XXXX and XXXX XXXX XXXX are pursuing me for medical debts after failing to submit a claim to XXXX and failing to properly process my charity care application. 

I have repatedly written to XXXX and XXXX XXXX XXXX to notify them that these debts are not valid. 

XXXX failed to submit a claim to XXXX for these services. I had valid XXXX coverage at the time I received these services in XXXX and XXXX of XXXX and provided my XXXX information to XXXX before I received all of these of services. 

On XX/XX/XXXX I applied for charity care for the services received at XXXX. XXXX failed to process my charity care application in a timely manner and continued to pursue me for these debts. I have attached a complete copy of my charity care application including copies of the bills from XXXX. 

Please note there are three account numbers provided by the creditor and three corresponding account numbers provided by the collection agency. I have attached a copy of the most recent collection notices I have received regarding all three of these accounts. 

The first account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$280.00}. 

The second account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$420.00}. 

XXXX sent me a letter dated XX/XX/XXXX explaining that an error had been made in the processing of my charity care application and that I had in fact been approved for charity care to cover all of these two bills. I have attached a copy of this letter. 

However, on XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX demanding payment for these two bills plus interest and threatening me with a negative credit report. 

The third account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$190.00}. 

This bill was also included in my charity care application but apparently it was not processed correctly. 

A negative credit report appears in my XXXX credit record regarding this third bill. The amount of the outstanding debt reported to XXXX is {$230.00}, including interest. Negative credit reports may have also been made to XXXX and XXXX. I have attached a copy of the page from my XXXX   credit record with the negative credit report from XXXX XXXX XXXX.
Product: Checking or savings account

There is a XXXX. Charge in XXXXXXXX XXXX XXXX XXXXXXXX XXXX  by XXXX XXXX bank of America card. That's fraud!! XXXX at BofA headquarters XXXXXXXX XXXX. is supposed to be working on it he is not!! Please send letter to him!! 
Also m and t sent check out for XXXX. To XXXX XXXX XXXX XXXX That must go to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX!! 
XXXX XXXX and carry XXXX stole XXXX. From me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please send letter to XXXX XXXX XXXX XXXX  headquarters in XXXX XXXX  XXXX 
XXXX XXXX. 
XXXX XXXX XXXX