23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this loan has already been written off and paid I didnt receive the proper notifications that this can be disputed
Product: Credit reporting or other personal consumer reports

PENNYMAC has listed on my file foreclosure was started the month I sold my home. They refuse to remove the foreclosure because they hired a law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the firm and they did not process anything through court. They dismissed the case. I am currently trying to get a VA loan but PENNYMACs refusal to remove the foreclosure is making it impossible. Even the law firm mentioned stated they should not have foreclosure status on my account or credit report. PENNYMAC references the fair consumer act yet doesnt uphold it or provide documentation supporting their claims of foreclosure court proceedings.
Product: Credit reporting or other personal consumer reports

I'm reaching out about an account that was a charge off account XXXX XXXX XXXXXXXX. I've noticed that this account is reported every month as a charge off but with a active payment history that doesn't make sense.A charge off account should have any payments showing up.It looks likes it hasn't been fixed correctly and is really hurting my credit score.I 've tried contacting the creditor but only verified the account without chowing any proof. 


Can please remove this account off my credit report as soon as possible? I ; ve really appreciate your help with this.
Product: Vehicle loan or lease

I have been having an ongoing problem with Santander Consumer USA reporting inaccurate/fraudulent information to XXXX. This account has been closed and paid in full since XX/XX/XXXX. On XX/XX/XXXX I got my XXXX credit report and it showed late payments listed in XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 60 days late ) ( proof uploaded ). I called XXXX spoke with a Supervisor for over 2 hours and they said they only report what Santander provides them. They put in a dispute and said I needed to call Santander directly. I called Santander and spoke with an Executive Manager Representative, she was baffled as to why my credit report would be updated to show late payments after the account was closed and paid and full. I provided her with my credit report showing the inaccurate fraudulent late payments. She said that's not what they reported and worked diligently to get those removed. Due to those fraudulent late payments added to my credit report it caused my score to drop 20 points. It took a few weeks and those late payments were removed for the XX/XX/XXXX credit report, it only reported one late payment XX/XX/XXXX ( 60 days late ). Then on XX/XX/XXXX more fraudulent late payments were added to my Equifax credit report again listed as XX/XX/XXXX XXXX 60 days late XXXX, XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 90 days late ). I called XXXX again explained the issue for hours, they just put in a dispute and told me to call Santander again. My score dropped tremendously once more. It was eventually fixed on XX/XX/XXXX showing only a late payment in XX/XX/XXXX ( which is also inaccurate ). When I check my XX/XX/XXXX credit report it now shows late XX/XX/XXXX and XX/XX/XXXX. I called Santander to dispute this new late payments and asked to speak to an Executive Manager. I was told that I would receive a call back within 3-5 business days, but have yet to receive a call back. This reporting of inaccurate late payments being put on my credit report and then being taken off has been going on for years. This issue needs to be rectified once and for all with the deletion in entirety. Proof of each of the months that were mentioned from XXXX XXXX credit report has been uploaded. I uploaded XX/XX/XXXX as well to show how it was only reporting XX/XX/XXXX and XX/XX/XXXX late prior to the XXXX issue, but in XX/XX/XXXX there was only XX/XX/XXXX late payment. How these late payments are being reported to XXXX are being sent arbitrarily with no one knowing how or why its being reported that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OF 2021, XXXX OF 2021, XXXX OF 2021. I ASK ALL THREE CREDIT COMPANY, XXXX, XXXX, EQUIFAX..TO REMOVE XXXX  XXXX XXXX  ACCOUNT ENDING IN # XXXX AND XXXX XXXX XXXX ACCOUNT ENDING IN # XXXX. I HAVE LETTER STATING THAT THEY AGREE TO REMOVE THIS ITEMS AND HAS NOT.. THE ATTACHMENT IS BELOW ...
Product: Bank account or service

In all the attention given to Pay Day lending as a predatory industry that exploits the poor, the CFPB and media have ignored a common " lending '' practice with major banks. 

While Frank-Dodd limited overdraft fees on debit card purchases, banks often still allow customers to overdraw their accounts intentionally at the ATM. This is often for a very short term, and when the fees are translated into an effective APR, the rate is astronomical. For example, an retired person who receives Social Security as their sole source of income is expecting their direct deposit in one week. They have {$10.00} in their account, but they need to buy groceries or medication. They decide to take {$80.00} from the ATM, which immediately triggers a {$35.00} fee. Their account stands at - {$100.00} after the overdraft and fee. Then ( for example, at Bank of America ) they incur an " extended overdraft '' fee of {$35.00} for not making their account positive after four business days, bringing their balance to - {$140.00}. This being deducted from a fixed direct deposit makes a repeat of a similar overdraft the next month all the more likely. 

The customer has in effect borrowed {$70.00} from the bank for one week at the cost of an additional {$70.00}. This is 100 % interest over one week or the annual equivalent of 5200 %. This is plainly usurious and should be illegal. Banks are still collecting XXXX in overdraft fees from those who are most vulnerable and least able to afford them.
Product: Money transfer, virtual currency, or money service

Coinbase acquired XXXX wallet in XX/XX/2021. I held some cryptocurrency assets in my XXXX XXXX. I have followed XXXX 's instructions and those of Coinbase on how to transfer these assets to a Coinbase wallet, including entering the full security key onto Coinbase 's app which they said was required to retrieve the funds, but at the end of the process I had no assets in either wallet. Coinbase then said they were closing the case as it was an engineering problem and I had to wait for an XXXX update. 

I do not think this is satisfactory or proper conduct for a financial institution. They showed zero regard for my funds, or their whereabouts, or the consequences of my losing access to them. The assets have declined in value significantly since I lost access to them. They were worth around {$4000.00} and are less than half that now. I have no idea if this is deliberate fraud, but it is a painful and unfair financial loss to bear and also hurtful to be treated as though assets they supposedly hold on my behalf are none of their responsibility - especially when the sale of XXXX apparently made huge profits.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

I demand the following accounts be verified or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX Employers : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over 77 hard inquiries on my Transunion report, I have paid two credit repair companies to resolve these issues and more. I also called Transunion directly and was sent a complimentary credit report but no real resolve for my credit report issues. I have been advised that I may be a victim of " inquiry issues '' within this credit reporting database, Several inquiries for instance are listed more than once on my initial credit report. Hard inquiries make up a significant role on your credit score.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of serious concern regarding what appears to be numerous, rapid attempts to correct the reporting status of late open accounts on my credit file. While I appreciate the swift action, I am deeply troubled by the frequency and speed at which these corrections are being made, as they seem disproportionate and raise questions about the accuracy of my credit report. 

I have noticed several instances where the reporting status of late open accounts on my credit report has been corrected at an unusually fast pace. While I acknowledge the importance of accurate reporting, the speed and frequency of these corrections have raised concerns about the thoroughness of the review process. 

Despite the rapid corrections, I have not received any communication from your agency seeking verification or authentication of the changes made. The absence of proper verification procedures raises questions about the accuracy and reliability of the reported information. 

I request an immediate and thorough review of the corrections made to the reporting status of late open accounts on my credit file. I seek transparency and assurance that each correction has undergone a comprehensive verification process to ensure the accuracy of the information. 

I kindly request that your agency provide me with a detailed explanation of the procedures followed in correcting the reporting status of these accounts. Additionally, I would appreciate regular updates on the progress of any ongoing investigations into these matters. 

To facilitate your review, I have attached relevant documents. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00}.
Product: Credit card

I got a mailer around XXXX exactly with the offer of {$200.00} with {$1000.00} in spend within 90 days of account approval and the offer code. The expiration of the offer was at the end of XXXX. Maybe XXXXXXXX XXXX XXXX. I applied around XXXX and entered the offer code into the offer code field. I applied with the URL provided in the mailer. My personal information was pre-populated in most of the fields after I entered the code. I screenshot every stage of the application process. I responded to a " pre-approved '' targeted offer in the mail with a {$200.00} sign-up bonus for {$1000.00} of spending the first 90 days of Bread Cashback XXXX XXXX I'm aware Comenity has XXXX horrific customer experience reputation, but I was willing to chance it. I spent {$1000.00} first months and about {$1500.00} total in 3 months. After 90 days I inquired and they said have to wait about sixty days so I did after that called their department and the lady confirmed I was eligible and said it should take a couple of weeks. After that, I received a letter from them saying that no bonus is allowed.
Product: Debt collection

On XX/XX/2018 I contacted JJ MARSHALL in an attempt to pay off a debt, not only were the customer service representatives rude due to me missing a previous payment ( due to financial hardship ) but they voiced that I was already being summons so they wouldn't accept my payment. I spoke with XXXX XXXX and she was hard to deal with and even had an attitude when I tried to discuss payment methods, she transferred me to XXXX who I initially set up the payment arrangement with and she pretty much dismissed me due to me missing the first arrangement ( even though I was ready to pay the debt today ). I feel it was unfair of the company to treat me as if I was less of a person in the discussion when I was trying to determine a method to pay, as a debt collection company, I would think that getting their money would be the main focused, she proceeded to tell me that I was already being dealt with by the court so there was pretty much no need in me trying to make the payment that I was trying to provide and to just wait for the summons. JJ Marshall overall is not a debt collection agency that wants people to pay their debt but they're trying to get people to get sued in court instead taking the payments.
Product: Credit card or prepaid card

XX/XX/XXXX and XX/XX/2017 I missed two payments. I had moved due to job relocation out of state. USAA is supposed to be military and DoD friendly but they refused to work with me and are not understanding. Been a member for over 14 years and this is my first issue with payments.
Product: Credit reporting or other personal consumer reports

ON XX/XX/2023 I RECIEVED A EMAIL FROM XXXX OF HARD INQUIRY FROM DISCOVER AND IVE NEVER SIGNED UP FOR DISCOVER IT WAS FRADULENT SO DISCOVER FINANCIAL SERVICES REMOVED THE ACCOUNT FROM MY CREDIT REPORT BUT THE INQUIRY IS STILL ON MY CREDIT REPORT AND THIS IS FRAUDULENT AND I DID NOT GIVE DISCOVER FINANCIAL SERVICES PERMISSION TO ACCESS MY CREDIT REPORT AND I WANT THIS INQUIRY DELETED OFF MY REPORT NOW!!!
Product: Checking or savings account

I have a checking account and savings account with Bank of America. I have a line of credit available to me through my mortgage. It is called a HELOC line of credit. 

I deposited approximately {$120000.00} into my Bank of America checking account sometime around XX/XX/2020. 

I have a line of credit with Bank of America that is tied to my mortgage, similar to a home equity loan. It is called HELOC. I waited the appropriate time and on XX/XX/XXXX, I went on line and transferred {$100000.00} to my HELOC line of credit. I have had the HELOC with Bank of America for about 12 years and I have regularly drawn off the line of credit and made payments to the line of credit. Almost all of these transfers were conducted on line. 

As of today, Bank of America can not tell me where my money went. It was not applied to the HELOC and it is not in my checking account. 

I have been in their branch and on the phone with numerous people with Bank of America and no one can tell me what happened to my {$100000.00}. I have had two bank representatives tell me that it has happened to many other recently. 

I have spoken to people on the phone and two people, one of whom was the bank manager, and none of whom can tell me what happened. The bank manager keeps telling me that they will figure it out and get back to me. It has been 15 days and the bank still can not tell me where my money is today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account for children 's place in my name online shopping XXXX 2022. Account was reported to the bank and closed and under investigation. XX/XX/XXXX someone again used my social security number to try to open an account with XXXX XXXX but was not successful.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information related to closed accounts on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that the following closed accounts are inaccurately reported : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$16.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Account Name XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$0.00}
Product: Credit card

I have XXXX credit cards with Bank of America. I experienced financial hardship over the course of 2 years. I called multiple times to request help and they would not assist me and said nothing could be done. I finally spoke with someone ( in XX/XX/XXXX ) who said XXXX ( XXXX ) could help and provide the phone number to get things started. I set up an account with XXXX and they sent the proposal to BOA. BOA denied the proposal but did not tell me why for weeks. I finally found out it was because I had XXXX credit cards small balances and BOA demanded I included those in the proposal. I paid then off. XXXX was told XXXX tried to contact them and BOA did not get in contact with them. XXXX again tried to get in contact with BOA who stated I had additional things on my credit report and that is why they were denying me. XXXX and I pulled my credit report and there was nothing additional on there. Since XX/XX/XXXX, BOA is charging me late fees and over the limit fees and not working with XXXX after directing me to them. BOA continues to come up with excuses as to why they will not accept the proposals but either not sharing this information in a timely manner with XXXX or making up things that are not true such as the additional things on my credit report. I wrote their customer relations department early XX/XX/2017 and have not heard back from them. 
When I call in and speak to their employees no one has answers for me and it takes days for supervisors to call me back and let me know what is going on. They tell me wrong information such as they do not take outstanding medical bills into account and then say that the XXXX medical bill I have in collections does count in their decision. I feel like they are purposely not working with me in an effort to collect more money from me.
Product: Credit reporting or other personal consumer reports

I. Look at my credit report I saw I have more than 13 inquiries that I dont know nothing of I saw people trying to get loan car loan and other things under my name
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I called Navy Federal to exercise my right as a consumer to opt-out from my nonpublic personal information being shared with a reporting agency or nonaffiliated third party. The Rep stated, " that all the information is on the privacy page site and they do not issue separate private policy forms for every transaction that I open, and can't let me opt-out of reporting to the credit reporting agencies because it is a lending product ''. So I checked to validate what disclosures were presented, and it wasn't anything stating that I have the ability to opt-out from my personal information being sent to credit agencies. As a consumer, I exercise my right under federal law and request to opt-out from my nonpublic personal information being sent to reporting agencies or nonaffiliated third parties.

A notice was not required Pursuant to federal Law 15 U.S.C 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution PROVIDES or has PROVIDED to the consumer notice. Also, Pursuant to federal law 15 U.S.C 6802 ( b ) ( 1 ) ( B ) and 15 6802 ( b ) ( 1 ) ( C ) I was not given the opportunity to direct that such information not be disclosed to such third party and, I was not given an explanation of how I the CONSUMER can exercise that nondisclosure option.