23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

received email : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX ( 6 days ago ) Hello XXXX XXXX, The reason for the call is to assist you with onboarding. As I said on the call based on your profile it appears you may be having trouble with a few things. My contact info is below to reach me at your earliest convenience. 
All the best, XXXX XXXX XXXX. 
Financial Solutions Advisor Officer XXXX  ID : 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 

XX/XX/2023 received a letter by mail addressed to XXXX XXXX Account number : XXXX XXXX XXXX Detail Account Summary for XX/XX/2023 to XX/XX/2023 Account summary Beginning balance on XX/XX/2023 ... ... {$0.00} Deposits and other additions ... ... ... ... ... ... ... ... ... XXXX ATM and debit card subtractions ... ... ... ... ... ... XXXX Other subtractions ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... XXXX Service fees ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... XXXX ending balance on XX/XX/2023 ... ... ... ... {$0.00} A number of Deposits and other additions are listed ( by XXXX payments ) Also ATM and XXXX subtractions XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX My wife and I have no dealings with Bank of America and suddenly these statements began arriving at our house as well as the email atop the page. We don't know how to make it stop!
Product: Credit reporting or other personal consumer reports

XX/XX/2023 3 attempts and they stating information is accurate which is not my name is not XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my Credit Report, I found that my report contained Numerous Hard Inquires that I never Authorized. 
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 XXXX XXXX 
XXXX. XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Lobel Finianical and ask them to help me with my payments for XXXX and XXXX due to this pandemic. I was told they were working with clients and that i could pay {$270.00} ( monthly payment of {$360.00} ) and i would be good. I did the same for XXXX and XXXX then i was told i was repossession status and force to pay {$1500.00} to remove the account from repossession. This was wrong on all counts. 

Why would they tell me they can help me and take my payment of {$270.00} then turn around and put me in repo status. If they arent going to do what the say and this is clearly their fault why i should be punish for their mistakes.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Credit Bureau. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Mortgage

Early this morning I logged onto myrushmoreloan.com to make my payment. I thought something went wrong and made the payment again. I ended up making the payment twice. 

I tried deleting the second payment but the system said I could not and to call. I called and was told that they could not cancel the scheduled payment even though it was set for the next day. I explained my mistake and can not afford both payments. Also, other bills are going to be due on first and they will bounce. They said their policy will not allow them to cancel the payment -- I found this very confusing - how can a company simply not delete payment? I argued with the representative 'Chason XXXX who was only doing what he could with his limited ability. He said someone will call me back - I said I would hold - and I did hold for XXXX hour and XXXX minutes and to be hung up on. 

Granted this was my mistake, however all they had to do was cancel the second payment. 

Do they have the right to hold to do this because of 'their ' policy? 

Now I am screwed for the start of this month. I will be paying fees on many bills.
Product: Debt collection

XXXX XXXX I tried to dispute a debt that I had no knowledge of I recently lost my wallet and possibly someone tried to open something I didn't not do it and the company repersitive was rude and very loud said my credit was gon na be effected
Product: Checking or savings account

Every month I have the same bills set for auto pay. I am in the XXXX so I get paid the same amount every two weeks. I calculated my bills specifically so that I have enough. Somehow somehow everymonth I am hit with overdraft fees 3-5 days later stating that I had insufficient funds. It's always {$300.00} plus a month. This has been going on for years. I have the available balence Tuesday but on Friday it says I did not, and I'm hit with 3-5 overdraft fees.
Product: Credit reporting or other personal consumer reports

Kickoff Lending XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Installment account needs to show up on my XXXX report as well Kickoff Lending XXXX, I am asking for you to investigate and add my installment loan that shows on my XXXX credit report to also show on my XXXX credit report as your site says it will. 

You clearly state XXXX XXXX XXXX XXXX optional add-on ) reports to XXXX and XXXX. We require 1 successful payment before reporting. 

The purpose of this installment account with you, that I paid on time, in full, was to increase my credit profile and score for XXXX and XXXX it shows on XXXX it needs to show on XXXX. 

Please see attached - complaint - drivers license - social security card - address Please have this report to XXXX at once.
Product: Bank account or service

My Chase account being overdrawn when speaking to Chase, I have several tickets XXXX and I can also have a ticket # XXXX amongst other tickets. Please replace those overdraft fees and thank you.
Product: Money transfer, virtual currency, or money service

I can not access my coinbase account. www.coinbase.com will not let me log in. That account uses email address XXXXXXXXXXXX I created my account around XXXX 2017, was able to access it, deposited some funds, and purchased some Ethereum. About XXXX I lost the ability to access my account. I log in with my account email and password, both are accepted. Most of the time they request a confirmation code via the phone application Authenticator. Most of the time I do not get that notice. 

Their help pages are of no help what-so-ever. They do not provide any reasonable method of contact. 

I have been trading emails with XXXX who claims to be from Coinbase for 20 days now via an account at XXXX. Her responses are very slow and do not address the problem. 

On my last attempt to log in I got the Authenticator notice, entered the number, it was accepted, but the web site said I have a difference computer and they need to verify it. They said so check my email. I received an email about how I can buy more currency but nothing what so ever about verifying my account.
Product: Money transfer, virtual currency, or money service

Agreed with " XXXX XXXX '' by text message on XX/XX/year> to receive donated merchandise from him by paying shipping charges. 
Sent XXXX by XXXX to him on XX/XX/year> XXXX {$1300.00} to a third party XXXX XXXX in his behalf on XX/XX/year> Sent XXXX by XXXX to him on XX/XX/year>. 
Then was told by " XXXX XXXX '' that I wasn't getting anything and not getting my money back. 
My complaint is about SOFI bank and the {$1300.00}. I called and spoke with XXXX at XXXX and reported this fraud and was told that they would get back to me. She gave me a complaint number XXXX. .. Never heard from them. But I know that " XXXX XXXX '' knew about my complaint due to his mentioning it in a text message. 
I gave the the XXXX number XXXX, the checking acct number XXXX, a savings account number XXXX, name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX. He state that this is his wife. 
This fraud has been reported to the XXXX Police Department, XXXX TN.. complaint number XXXX..
Product: Credit card or prepaid card

Company auto charged me for {$75.00} fee for annual club rewards. This is a Corporate card and I'm no longer with the company and so the account is closing I'm 60 days. 

I've called and requested a partial refund. I was informed that Diners Club doesn't reimburse or prorated these fees. I requested documentation to support that policy. I was talked to rudely from that point and placed on hold for 40 minutes before suspeciously being disconnected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number - To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report from Equifax, XXXX and XXXX. I have also submitted disputes with each CB but nothing has been deleted and it's really stressing me out. When i contacted XXXX 's on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX 's trade-in would be redacted and deleted within 30 days, which would be by XX/XX/2018. However, as of XX/XX/2018, the negative balance has NOT been deleted and still reports on my credit report. Screen shot attached.
Product: Debt collection

I have never agreed to do business with MIDLAND CREDIT MANAGEMENT. They have not provided and written agreement with my signature agreeing to do business with them. They are not licensed to collect in my state of XXXX. They have fraudulently accessed my information and are affecting my livelihood by inaccurately reporting this on my consumer report. They are also trying to collect in a state they are not licensed in. I want this account removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Vehicle loan or lease

My car was stolen on XX/XX/year>, they made all the reports, police and insurance. 

The financier Westlake Financial found the car on XX/XX/XXXX and did not notify me of anything, it was not until XX/XX/XXXX that I called to make my monthly payment that I found out that it was found because I realized that there was an extra amount that I had to pay and I did not understand the reason, the bank did not want to give me information, that I should call the police, I went to the address that the policeman gave me and when it arrived, the car was not there and had never arrived. 

In XXXX I found out from the insurer " XXXX XXXX '' that the car was in XXXX I was going to be sold at an auction, but the insured stopped it because the car can still be repaired, but it turns out that I have to pay {$3000.00} dollars to take the car from XXXX to XXXX because my insurance company only covers me {$300.00} In short, Westlake Financial moved my car to sell it at an auction, without my authorization and with my up-to-date payments. The monthly payments I gave did not go to my balance but were to cover the mobilization expenses to XXXX The insured was not responsible for anything for my car.
Product: Credit reporting or other personal consumer reports

This is an unknown debt. Initial complaint opened XX/XX/year>. This company has reported the same debt with a different balance to the same credit reporting agency which has caused a decrease to my score of XXXX points due to no fault of my own
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX Balance : {$54000.00} XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX  XXXX XXXX Balance : {$56000.00}
Product: Money transfer, virtual currency, or money service

I made a payment on XX/XX/2021 to my capital one Secure Platinum card from my Capital One 360 bank account. On the same day I allegedly made a cash deposit of {$1000.00} to the different financial institutions. To my 360 checking account. XXXX {$200.00} XXXX $ XXXX {$800.00}. And to my secure credit card I made XXXX XXXX.This was made XXXX on the morning of XX/XX/XXXX. Then I made a payment to my credit card via mobile app for {$400.00}. I was told my payment would be place on a hold for and would be release on the XXXX of XXXX. I had several transactions processing. Both credits and debits. On XX/XX/XXXX on my checkings account history notice that my payment had disappeared. On my credit card it was still honored but on a hold. Monday XX/XX/XXXX a banking holiday. I called and was told the payment was rejected. Even with the transactions pending I had enough to cover the payment. I even had money XXXX to me. On my statements it shows my payment as " a withdrawal of {$400.00} rejected '' on the XXXX when I had {$640.00} in my account. During the time of covid i had no grace period. Never had a payment placed on a hold. So then if my payment was place on a hold. How did i use my it on my credit card? And how does my bank has no record or trail of my transaction but has the rejection of it..
Product: Credit reporting or other personal consumer reports

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Product: Credit reporting or other personal consumer reports

TRANSUNION IS REPORTING A XXXX MISSED CAR PAYMENT WHICH IS NOT CORRECT. I HAVE ATTACHED THE SCREENSHOT OF THE ACCOUNT BEING REPORTED AND THE XX/XX/XXXX PAYMENT IS THE XXXX PAYMENT. 
THE MONTHLY PAYMENTS ON MY CAR LOAN ARE DUE ON THE XXXX OF EVERY MONTH. 


IN FACT, ON XX/XX/year> I SPOKE WITH A REPRESENTATIVE. I MADE THE PAYMENT ON THE XXXX. REPORTING INACCURATE INFORMATION IS A VIOLATION OF MY RIGHTS UNDER THE FCRA.
Product: Mortgage

Due to financial hardships and XXXX was put on a forebearance plan by Carrington Mortgage XXXX XXXX I was making payments as I could. Forbearance ends on XX/XX/2023. I applied for mortgage assistance with the mortgage company and the only option available, per XXXX, was to liquidate the property. Just needed some assistance with the arrearage, I can now pay my monthly payments but theyre no giving any assistance. The government give assistance to these mortgage companies and now theyre pulling the rug from under people. They would rather take your property and sell for less than help the home owner.
Product: Debt collection

There is a collection on my consumer credit reports for {$140.00}, reported on XX/XX/XXXX. The debt is reported by the Collection Agency, Caine & Weiner, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. 

I have contacted them by mail on 3 occasions requesting information pertaining to this debt they are reporting on my consumer credit reports with XXXX, XXXX  and XXXX, that is not my debt. To this date they have not provided any detailed information, and to date have not removed this debt from my consumer reports. 

They are currently violating my rights under the Fair Debt Collection Practices Act and harming my credit rating. Furthermore, they are not responding to my repeated request to provide detailed information regarding the debt noted above. 

I have sent by First Class Mail three letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To this date there has been no response regarding my repeated request.
Product: Debt collection

Property management company billed me for a cleaning fee after I moved out of the residence. I never was presented with any documentation indicating that I owed a cleaning fee. The debt has been sent to collections for a debt I do not owe. There is now a derogatory entry on my credit report which is an error.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Mortgage

Sherriff Sale was on XXXX/XXXX/2015. Financial package requesting loan modification was submitted on XXXX 2015, Sherriff Sale was postponed to XXXX/XXXX/2015. Document requested on XXXX 2015 were submitted, contact with the special contact person on XXXX confirmed they had everything needed and case was on review. No mail or phone call since then, now its XXXX/XXXX/2015, after several ph calls, to no avail, requested to speak to customer service. This Department explains that the special contact person is the only one that can discuss this case. That the last Notes on the case were when docs were received on XXXX and case was sent to review. Sherriff sale still schedule for XXXX/XXXX/2015.