23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a {$50000.00} home equity line of credit with Bank of America. The BAC person said she made it for {$100000.00} so I 'd get a better rate. After waiting more than two months with no response other than them asking me if my dead husband still owned property on a street where he never owned property, I realized they were just jerking me around.. My house is paid in full and is located 15minutes from NYXXXX via car or ferry. My car is paid for. I received a letter of rejection from BAC based on " the debt being too high for my income. Considering that I only wanted {$25000.00} the monthly payment would have been under {$150.00}. I clear a minimum of {$2200.00} ... .my house and car are paid for and my health care insurance and costs including dentistry is free from my late husbands job. I have no debt other than {$2000.00} in credit cards that I used to have work done on the house while waiting for the BAC home equity loan. A tree 's roots were taking down a retaining wall adjacent to my driveway. BAC had no reason to delay their response for months and no legitimate reason to turn me down. They mention XXXX ... the only inquiries made of XXXX would have been by BAC. Also, when I took a new BAC credit card to a BAC bank for {$1000.00} cash, I was initially turned down because " the credit card '' that was never used " was bad. '' A manager corrected that. Overall, the discrimination is clearly based on my age. The house is valued at {$300000.00} and could be sold in a couple of weeks by any realtor if needed ... .good collateral for sure. My credit rating is XXXX with XXXX based on the reject letter from BAC.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

I opened an account with PayPal and I used the account exclusively to sell on XXXX. 
In XX/XX/XXXX, PayPal suspended my Account. 
Paypal suspended my account for alleged violations of their rules. 
I followed their rules to the letter. 
At the time, my Account contained XXXX. 
PayPal informed me that my funds would be held for 180 days. 
On XX/XX/XXXX, the entirety of my funds were inexplicably transferred to PayPal. 
PayPal Withdraws All Funds and Suspends my Account Without Justification. 
I made several good faith inquiries to encourage PayPal to return my funds.
Product: Debt collection

I previously submitted a complaint on XX/XX/XXXX in regards to XXXX XXXX attempting to collect for a debt that is not owed by me. The company XXXX XXXX responded on XX/XX/XXXX stating that I retained an attorney, and that they do not have a record of my attorney 's contact information. They requested that I provide that information so that they can contact my attorney directly. Lastly, Midland advised me if I was a victim of fraud to provide them with a copy of a police report or affidavit of fraud showing that I have reported the fraudulent activity. Since then I have sent ALL of the requested information as requested by Midland Funding. I sent a letter with my attorneys information and contact number as well a notarized copy of an affidavit from the FTC reporting the fraudulent activity. These documents were sent out certified mail on XX/XX/XXXX it was received by Midland on XX/XX/XXXX. I received a letter from Midland dated XX/XX/XXXX stating that " We are uncertain of what you are specifically disputing '' and " provide written explanation and documentation demonstrating any errors in our account information ''. Again, a request for my attorney 's information is asked for again. The same information was sent to XXXX XXXX XXXX the original creditor, I have not yet received a response from them however I XXXX is no longer reported on my credit reports. In this case, if the original creditor has been removed from my reports I DO NOT owe Midland Credit Management nor do I have a contract with MCM. I have done ALL that has been requested of me to resolve this debt and MCM has NOT provided anything VALIDATING this debt, I have since then followed step by step instructions from MCM to further resolve this debt and still I am being told that they are uncertain of what I am requesting.
Product: Mortgage

I am submitting this complaint on behalf of myself and not any third party. I sent a letter to Wells Fargo certified mail tracking number XXXX it was delivered on XX/XX/21.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX : A/c # XXXX, XXXX  XXXX 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 XXXX XXXX XXXX XXXX. 

I looked at my EQUIFAX credit report On XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 ( i ) ( 5 ) they are suppose to do this ( XXXX ) treatment of inaccurate or unverifiable information : ( A ) in general after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681 ( s ) -2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). A Charge Off is considered a certificate of indebtedness, therefore it is income ( more illegally reported financial transactional information ). There are currently XXXX inaccurate transactional entries on each credit report with XXXX, Equifax, and XXXX. These highlighted entries must be updated to paid as agreed per 15 USC 1681c ( 4 ). It is my right per 16 CFR 433.2 to assert myself as the consumer at any time. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any financial information to my consumer report.
Product: Credit reporting or other personal consumer reports

Recently I conducted an investigation of my credit report and found several items on there to be incorrect.

Under US code 1681e ( a ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 US code 1681i ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following accounts from my credit report immediately 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
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed, despite having sufficient funds available at the time of transactions were authorized. However, due to the delay delayed posting of the charges and credit, I was unfairly charged overdraft fees. 
This issue appears consistent with the recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transaction settled with insufficient balances, despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Checking or savings account

I mailed a {$8000.00} check to the IRS on XX/XX/XXXX and it was stolen, altered and deposited on XX/XX/XXXX, unbeknownst to me. I filed my taxes XX/XX/XXXX and then received a letter XXXX XXXX from the IRS stating I owed {$8000.00} plus interest and penalties. I looked at my account XX/XX/XXXX and discovered that the check had been altered and deposited at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I called my bank, Chase bank and started the process to try and recover the money. Filed a police report and Filed a report with USPIS.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Vehicle loan or lease

I currently have a joint auto loan that has a remaining balance of {$9900.00}. The vehicle was repossessed in 2019. My issue is that at the time of the purchase, I made the dealer aware of what payments I could afford. The amount they kept offering was at least {$200.00} above my budget, but the dealer insisted that If i paid that amount for 6 months on time, my payment would go down the my desire. I declined that offer. The dealer then went on to offer to write me a check for the difference in the car payments for the 6 months, so that I will only have to pay what I could afford out of my pocket and the check would cover the difference. I agreed to that. However, the dealer did not issue a check for he 6 months difference. I was allowed to take the car home that day and the called the next day for me to sign the paperwork after further negotiations with the creditor. The payment was higher than the initial offer. The dealer and the creditor preyed on us and stuck us in the contract that was not affordable. They set me up to have this repossession. They knowingly set us up with this high level of risk. I have let the creditor know several times that we were thrown into this deal and that it was not affordable. Now, this is impacting both of our credits when we were scammed into this deal.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recov Assoc, Promise to remove the collection off the credit if I paid the settlement, which I did and it's still shows on my credit years after.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B tells us to take out wrong accounts from my credit report. Can you check the papers? Some listed accounts have wrong info about reporting, amount, and dates.
Product: Money transfer, virtual currency, or money service

Hello, coinbase has closed my account with no reason to why, I had {$600.00} in my regular coinbase account, but around $ XXXX in my coinbase pro account and now that account just doesnt exist. Im allowed to withdrawal my funds from regular cb account but I cant even access or find the coinbase pro account.
Product: Debt collection

Received a notice from Hyat Hyat and Landau, LLC. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX attorney for plaintiff and file number is XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX Judgement owed is XXXX now the balance due is XXXX. 
They are stating this is an important notice : please read carefully failure to comply with this information subpoena may result in your arrest and incarceration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 I tried to temporarily lift a freeze on my credit with Experian and they are forcing me to mail a letter with a copy of my license, social security card and a bank statement. 

I have the correct personal information and freeze PIN number to perform this online but their site keeps telling me I have to mail a letter and all of this sensitive information with no explanation as to why and no way to contact them for help otherwise. 

This is outrageous, and these companies should be required to provide assistance for this. These " bureaus '' should not be for-profit businesses to start with, and they should not be allowed to hold up my transactions with this snail mail ploy.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last year Experian has not updated my report. They have not update my score nor have they updated my total debt. They are literally impossible to speak with. They only have a automated system that is 100 % useless. For instance they lowered my score XXXX points in XXXX for a collection account which was fraud. I had the collection removed and the points never retuned and i had made my credit situation much better by paying down credit cards and loans and still Experian did nothing. There is no way to work with them and I'm really getting anxiety over this please help. Non Experian apps update but not Experians.
Product: Checking or savings account

I am writing to express my concern and disappointment regarding the recent denial of my fraud claim by the XXXX XXXX XXXX XXXX Department. Unauthorized transactions were made from my checking account, which I reported promptly. However, despite the clear nature of these unauthorized transactions, my claim was denied without any valid reason or sufficient explanation from your department.

Under Regulation E, which governs electronic fund transfers, including unauthorized ATM withdrawals and purchases, consumers are entitled to specific protections. According to Regulation E, if a consumer reports an unauthorized transaction within 60 days of receiving the statement that includes the error, the financial institution is obligated to investigate and resolve the claim. The institution must provisionally credit the consumers account within XXXX business days if the investigation is not concluded within that period. Denying my claim without providing a clear and valid explanation is a violation of these protections and my rights as a consumer. 

I request an immediate review and reconsideration of my case, and I expect to be provided with a detailed explanation for the denial of my claim. Failing this, I will consider escalating the matter to the appropriate regulatory authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit score dropped fro XXXX to XXXX in one month. Credit card had a balance of {$10000.00} however the balance was paid off before due date. I have never carried a balance on this credit card, seems extreme to drop credit score. Contacted credit company and they have done nothing to explain why my score was impacted as it is. I have had XXXX or better credit score for at least the past 15 years. This is wrong ....
Product: Credit card

I have the Chase App. On XX/XX/year> I discovered that XXXX of my Chase Freedom rewards disappeared from my account. ( XXXX twice ). I called Chase and they claim that the rewards were redeemed on XX/XX/year> and sent to my email address. Because I did not receive the rewards, Chase sent me a new credit card with a different number. I never received the lost rewards. I do not understand how XXXX points can disappear just like that with Chase just claiming they sent the redemption to my email address. I have called Chase at least 5 times and they keep transferring me over to another person in their Fraud Department. Today they told me they were escalating it AGAIN. I am not getting any concrete answer other than my email was compromised. I have had the same email address for over 20 years and no one has ever had access.
Product: Checking or savings account

On the night of XX/XX/year> I reported that I had money stolen from my account. It was literally ten minutes after it happened. I was informed to wait until it settled. I waited then called the next day and filed a dispute on the funds. In less the 24 hours they sent an email stating that they gone through the whole process of an investigation including communication with the merchant. Which is impossible. I do file a lot of disputes, but every one of them should be handled properly. Now I am out of XXXX, because of a bias. Chime doesnt have a formal complaint process or at least they would not tell me over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing with Experian inaccurate information on the bankruptcy files. I am not disputing that the bankruptcy belongs to me or not. I am only disputing in accurate information and under the fair credit act law I want it removed.the name XXXX XXXX XXXX on the files never belonging to me or my wife.