23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There are XXXX different collections debts reported on my credit report for exact same amount for a physician bill in the amount of XXXX for both accounts. I had called the collection agency in regards to the debts which I have never received. I did not live in the state in 2016 in which XXXX of the debts was placed on me. Whats strange is both accounts has the exact same account numbers, same month but different years. I have disputed the debts on my credit and was removed and after 30 days was returned to my credit account. In addition, I have insurance and if I had a bill would have be paid by insurance
Product: Checking or savings account

XX/XX/2022 Deposited money into chase atm of XXXX. Atm took the money than printed out an error receipt. Bank said they cant find money and credited me XXXX back
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address ongoing issues with XXXX, Experian, and XXXX regarding inaccurate and misleading information on my credit reports. Despite multiple disputes, the errors remain unresolved, which demonstrates noncompliance with federal consumer protection laws. 

The inaccuracies include : 1. Incorrect account dates that do not match the original creditor 's records.

2. Inaccurate balance amounts, which are not consistent with actual account statuses.

3. Payment history errors, such as reporting late payments that never occurred.

The continued reporting of inaccurate information violates : FCRA Section 607 ( b ) : Failure to ensure maximum possible accuracy in credit reporting.

FCRA Section 611 ( a ) : Failure to conduct proper reinvestigation and remove unverifiable data. 

Equal Credit Opportunity Act ( ECOA ) : Reporting inaccurate information that affects creditworthiness may result in discriminatory practices.
Product: Checking or savings account

Hello, I opened my Huntington unlimited plus business checking account in XXXX, MI branch on XX/XX/XXXX. At that time, Huntington bank has a promotion to open business checking account. 
Promotion conditions are followings : To be eligible for the {$1000.00} cash bonus, business customer must open a new Huntington Unlimited Plus Business Checking, Business Analyzed Checking, or Non-Profit Analyzed Checking account by XX/XX/XXXX, then make a minimum cumulative new money deposit into the new checking account of at least {$20000.00} within XXXX ( XXXX ) days of account opening. The {$20000.00} or more daily balance must be maintained for 60 days after meeting your initial cumulative new money deposit requirement. Account must maintain open status for at least XXXX days before it is eligible for the bonus payment. 
I have met all promotion conditions, but Huntington didnt pay me {$1000.00} bonus. Please help me to investigate what happened and deposit {$1000.00} bonus into my account. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I am not sure you can even help me. But in 2019 I opened an account with Care Credit. I used it for a while and once I had it paid off during Covid I didn't use it. I thought I was doing the right thing and honestly didn't think about them closing it. Well, my credit limit was almost up to {$3000.00}. They closed my account the end of XXXX, with no warning, no notice nothing. I realize they have that right, and it was probably mentioned in 2019. I honestly didn't think about it. They literally closed my account less than a week before I needed it. My daughters cat got sick during the night and we had to go to an emergency vet. As you can imagine it was costly. I thought my account was good, and we were denied. Anyway since they closed my account it has severely hurt my credit score. You know how it works so I don't have to explain it to you. But taking {$3000.00} credit off, it has snowballed. I had XXXX balance, no late payments, NOTHING against me. But them closing my account has hurt something I worked hard for. I was penalized for something I wasn't in complete control of. IF they would have sent a reminder, I would have used my card and kept it open. I'm just so frustrated. I haven't reached out to Care Credit or Synchrony because I haven't been able to find a way to contact them. Please help if you can, or maybe help prevent it from happening to someone else. Credit scores aren't a joke and people work hard to get them. A company like this shouldn't be able to hurt people like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights.

16 U.S.C 1681 section 602 A. States | have the right to privacy.

16 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
Product: Mortgage

In XXXX i had to file for bankruptcy due to the downturn in the economy. I tried to work with Wells Fargo by filing for a modification on several occasions from XXXX to XXXX. Each filing i had to show what my hardship was along with verification of income. Each time they said i didn't qualify or never responded. It was very nerve racking and eventually i had to go and work XXXX part time jobs along with my fulltime just to make payments and keep my house. I had to spend XXXX to file for bankruptcy due to them not giving the modification. I also tried to apply for a harp help through Well Fargo but they were not able to help me. There was no reason at all that i couldn't have been approved for the modification. I would like not only the amount i had to file for bankruptcy along with the amount of money i should have received from the modified loan from the time of applying until i refinanced with another company. 

I was also charged hundreds of dollars in Service charges on both my mortgage and my checking account with Wells Fargo
Product: Credit reporting or other personal consumer reports

XXXX Equifax XXXX  you have different information about me XXXX and Equifax was just sued for inaccurate data. I feel like I was a victim of identity, theft, and my information exposed. due to section 15 USC 1581
Product: Credit card or prepaid card

This account is reporting incorrectly. I never payed late and this is reflecting 2 30 day late payments. One on XX/XX/XXXX and one XX/XX/XXXX. it is actually reporting a lot of inaccurate information which i have circled on a copy of my 3 reports which i have attached to this complaint. Please remove the late payment status this is hurting my ability to obtain credit, and report them as paid on time. Thank you
Product: Credit reporting or other personal consumer reports

I do not recall applying to XXXX XXXX for any service, but it seems a hard inquiry is on my file. I have tried to contact the institution but have not received a proper response. I want to bring this concern here in the hope that it will be resolved. 

Institution Information : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX note ; The Hard Inquiry happened in XXXX, 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX
Product: Checking or savings account

The information on early warning is inaccurate and invalidated should be removed immediately. 
Bank of America XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These late payments do not align with my usual payment history.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, XXXX XXXX XXXX is reporting inaccurate information to my consumer report. They have been using obscene language and is damaging my reputation. They were never supposed to share my nonpublic information without it being clearly and conspicuously disclosed to me that it would be reported to a consumer reporting agency. They never gave me the opportunity pursuant to 15usc1681a ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccurate in my credit report. Despite my submission, XXXX consistently responds within 24 hours the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act 15 U.S.C 1681i, which mandates a resealable investigation of disputes. As highlighted in the recent administrative proceedings ( file No. XXXX ) against them for similar violations. I request that the cfpb take action to ensure equitax complies with the federal law and provides consumers with the necessary proof of investigations.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my consent or authorization. The Family Education Rights and Privacy Act protects the confidentiality of student records. The breach of the XXXX XXXX XXXX efficiency and XXXX XXXX is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information, I request that all student loan debt is cancelled and discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my student loan as delinquent. Per Covid relief cares all student loan payments should be paused and no collection effort should be reported until XX/XX/XXXX, XXXX XXXX has also been applying interest to my student loan. Not complying with Government policies. I have a subsidized and unsubsidized student loan through XXXX and they are federal loans.
Product: Mortgage

There are XXXX persons who are on the mortgage, XXXX of whom are married. However, XXXX party had the mortgage servicer send all correspondence to their address, so the other XXXX persons on the mortgage have not gotten statements. I was paying the mortgage for the amount that I thought covered the monthly payments in full. I just found out that this amount was not sufficient to cover the monthly payment. The servicer will not communicate directly with me about the loan, even though my name is also on the mortgage. I am the mother of XXXX of the spouses, and neither my XXXX nor I have been able to communicate with the servicer of this mortgage. I have made repeated attempts to get up to date information about the loan and have been refused any and all meaningful communication with the servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. The balance of {$44000.00} is incorrect. The balance on this account is only {$24000.00}
Product: Checking or savings account

When I opened my account with M & T bank, I did so online. I opened an account with them after receiving a mailer stating that customers would receive a {$250.00} bonus 90 days after opening an account as long as they had a direct deposit linked to the account. I applied for my account online using the special code " QC '' or " QD '' can't remember which. I even entered the code in the promo code box. My direct deposit started on XX/XX/XXXX and the account was opened XX/XX/XXXX. As of this date, I have not received my {$250.00} bonus.
Product: Checking or savings account

I am a court appointed conservator with a certified and stamped court order of Conservatorship from the XXXX XXXX XXXX XXXX. Issued XX/XX/2022. ( Certificate enclosed ) My ward is non-compos mentis. As conservator, I must get him approved for Title XIX entitlement in order to place him in the care of a facility. 
In the pursuit of getting 5 years of Wards bank statements from the BANK OF AMERICA as required by Title XIX, I waited a week to get an appoint with BANK OF AMERICA 'S local XXXX XXXX Branch and went to the appointment. They refused to give the statements to me. BANK OF AMERICA does not provide for a mechanism to allow me to get my Wards bank statements. They must close the account, open another account before they can give me statements. They sent me away with a few months statements but not 5 years which makes absolutely no sense at all. They told me to call the customer service number, which was futile. 
As appointed conservator to a non-compos mentis person I do not have his pin number. I was unable to do anything other than become very frustrated on BANK OF AMERICA 's phone system that required a pin number which I of course do not have and can not obtain because of my Ward 's condition. All I have is an account number, ( above ) a social security number ( I will give you if someone calls ). 
All other banks in my neighborhood look at this Court Sealed Certification and hand over the bank statements. Your banks will not cooperate. I have been to another branch of BANK OF AMERICA in XXXX XXXX Branch and received the same very pathetic service. I need the statements sent to me, immediately. I fear my Ward will be thrown out of his place in the rehabilitation home without getting on Title XIX now. 
Attorney xxx, xxxx, ,xxxxx, xxxx XXXX XXXX, CT XXXX
Product: Debt collection

at XXXX XXXX EST XX/XX/20 I called them at ( XXXX ) XXXX from my secondary line ( XXXX ). I spoke with a male who tried to advised me about the debt details over the phone. I requested Validation of the debt as i have never received written notice nor a phone call. The agent/representative began to become irate when i requested " Full validation '' saying that an " itemized bill '' is the same thing. I said if its the " same thing then i don't know what the big deal is when i request full validation from you since i never received written notice ''. The agent then stated " you know what? we're not doing this today '' and disconnected the call. Never obtaining my new address nor assisted me with my concerns/Validation request.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I pay into escrow for tax purposes on my home which is unit 2. There is an additional unit 1 which for XXXX XXXX tax purposes was tied together. We were each to pay a percentage of the tax bill on the property. I called into planet home lending maybe 2 weeks before it was due and they assured me that I was covered and needed to take no action. They also mentioned the units would be formally split around XXXX so it would be more clear then. 

Yesterday XX/XX/29 I got a message from my neighbors informing me of a large fee that would take place if my part of the taxes were not paid. I called back in to my lender just to confirm that I was good and they changed their story and said the escrow can't be applied to that address. 

If we take into account the tax bill of XXXX, my mortgage payment XXXX, and the fee XXXX i'm now on the hook for almost {$17000.00} due to my escrow funds not being correctly applied. I've reached out to planet home lending for assistance in mortgage repayments and they have been unhelpful. They referred me to a HUD partner which had no options for mortgage or tax assistance as well as 211 which was unable to find any assistance programs as well. 

Based on XXXX reviews of planet home lending it appears i'm not alone in these types of situations. They appear to often misappropriate funds via escrow and I'd like to see them punished for doing so as well as some sort of assistance financially to help make me whole again. 

XXXX was the employee ID I was given when asked for their name.
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, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers : XXXX XXXX XXXX
Product: Mortgage

I had already filed the complaint against XXXX where this mortgage first began. My now ex-husband was to take responsibility of the payments of the home since he was still residing in it and he was to get the mortgage out of my name completely. I was informed that XXXX did a modification which they would not supply me paperwork showing I agreed to any changes. Then it was sold to Ocwen Loan Servicing. Again no one at Ocwen will supply the paperwork showing that anyone had the authority to make changes to the original mortgage without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my personal residence late last year. I own a rental property with a mortgage loan as well. The closing agent XXXX XXXX XXXX, a XXXX XXXX XXXX erroneously paid the mortgage loan off that was on the rental property, though all loan documents contained the correct property address. The payoff occured on XXXX  In XXXX XXXX, I received a late payment notice on the mortgage secured by my personal residence. This notice came from XXXX XXXX XXXX in Virginia. In speaking with them, the originating lender & XXXX  by phone, I was made aware of the error In XXXX of XXXX I was also made aware by credit monitoring services that a 30 day late payment was recorded for XX/XX/. This resulted in a 40 point credit score drop across all 3 reporting agencies.

Since then, I have been in telephone contact with XXXX  disputing the entry with them twice with documentation from XXXX assuming responsibility for the error. I have also disputed the entry with XXXX XXXX & XXXX, all to no avail, as I have received confirmation from all that the error & resulting damage to my credit is uncorrectable.
Product: Credit reporting or other personal consumer reports

I've recently learned that I have been a victim of identity theft. Most of the information furnished on my consumer report results from fraud. I've attached a letter currently en route to Transunion 's mailing address. I'm submitting this complaint because I do not know when they will receive my mail, and I want to correct the fraudulent consumer report and prevent further fraud immediately.
Product: Money transfer, virtual currency, or money service

I attempted to send approximately {$50.00} worth of cryptocurrency XLM to my CoinBase account on XX/XX/2019. My transaction made it to CoinBase, but never made it into my account because a " Memo ''  line was input incorrectly. I immediately submitted a support ticket to CoinBase notifying them that the transaction had not gone through. I received a response on XX/XX/XXXX informing me that I would receive a response in 4-5 weeks. 

I followed up on XX/XX/XXXX, as it had been more than the 5-week deadline and I had not received a response. I received a response on the same day asking me to send CoinBase additional transactions to verify ownership of the account sending the funds. I lost the credentials to the account in a hardware failure and am unable to recover them, so I can not complete this request. In an case, CoinBase has already mismanaged {$50.00} that I have tried to transact to them, so  requesting additional money to recover the funds that they have already lost is untenable. CoinBase refuses to refund my money until I " comply '' with their request for additional transfers. 

I made multiple contact attempts by phone to try to discuss this matter with a CoinBase representative. The automated system informed me that I could not be helped over the phone on two occasions without connecting me to customer service. On a third occasion, the automated system simply terminated the call. 

This is within the definition of Unfair, Deceptive, and Abusive Acts and Practices in a number of ways : - I immediately contacted the organization with a host of information that would be sufficient for a reasonable person to verify that I made the transfer, including that the memo that was sent was only 1 digit off of the correct memo. 
- CoinBase has made no attempt to verify my account in any way except for requesting additional transactions ( which have a transaction fee and involve sending money to CoinBase ), stating in an email that I must " comply '' with a request to send them additional funds. 
- I would have had possession of my account if CoinBase had not held  the {$50.00} without responding to me for over 5 weeks. 
- Most importantly, CoinBase received the {$50.00} that I clearly intended to send to myself. They stand to profit from this deception for all customers who similarly are denied their funds.