23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I was sent money to an alternative email address that I do not have attached to my XXXX profile. When adding that email address to my XXXX profile in the Bank of America app/website, I am given a message claiming that the email address is invalid and can not be used with XXXX. I was able to add this email to my Bank of America Online Banking account, but unable to add it to my XXXX profile to receive funds to that email. 

On that same day, I had reached out to Bank of America to assist with adding the email. However, I was told that because of the situation involving XXXX, I would need to contact them as XXXX XXXX Bank of America is " a self-service portal '' and gave me the number to contact them, but because of the time of the day ( past XXXX ), I was unable to contact XXXX that day XXXX 

When contacting Bank of America again on XX/XX/23, they further said I was not able to add it due to it being a XXXX error and once again had prompted me to contact XXXX instead. 

When contacting XXXX on XX/XX/23, I am told that I can not talk to them due to already being enrolled with XXXX ( and having a participating bank ). Furthermore, the prompts for the phone menu actively tell me to contact BoA ( I was not able talk to someone unless I selected the option stating I am not using XXXX with a bank ). 

I am unable to create a bank-agnostic XXXX profile due to having a debit card from a bank that is from a participating bank and since I have already received a notification to my 'invalid ' email address that money was sent to me, signing in with my Bank of America account from the link provided within that email gives an error stating that I can not claim the money because my email is not in my BoA XXXX profile, thus creating a cycle of attempting to add it to my account.
Product: Mortgage

Something is wrong with the electronic payment system at XXXX. I have tried to make my XX/XX/2017 payment twice and the payments still have not been taken out of my checking account. I have tried calling multiple times, but I never talk to a live person. There is a phone number on their website, I have called over and over again, but no person can be reached. Why wo n't they pull the finds out of my account? Will my payment be reported as late? Will I have late fees, will this appear as a late payment on my credit report? I have lots of questions but no one to answer them. I made a payment of {$520.00} on the company website on XX/XX/2017. Then I made a second payment of {$520.00} on XX/XX/2017 also on the company website. Today is XX/XX/XXXX and the money is still sitting in my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I defaulted on a car loan through CIG Financial. Another company by the name of XXXX XXXX bought the debt and started to contact me about the debt. I did not agree to this. Furthermore, the original creditor charged the debt off. How is it that the 2nd company can collect on a charge off? And to add insult to injury, they reported to my credit report along with the first company, CIG. The fact that two companies are reporting about the same thing is a violation. 

When CIG filed this garnishment, they did it in a county I never lived in. I was also never served papers at the proper address. CIG has garnished my wages twice and is operating while violating me.
Product: Debt collection

I am writing to file a formal complaint against Coast to Coast Financial Solutions regarding their unlawful practices related to a debt they have reported on my consumer credit report.

Violations : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a collection agency is required to provide validation information upon request. I have requested this information but they have failed to comply. Despite not providing the legally required validation information, they have placed a collection account on my consumer credit report.

2. Unauthorized Reporting to Consumer Reporting Agencies : Coast to Coast Financial Solutions has reported this alleged debt to the consumer reporting agencies without providing any and all disclosures required by law, in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Their failure to provide the necessary disclosures before reporting the debt is a blatant disregard for my rights as a consumer. 
XXXX. Lack of Licensing to Collect in Ohio : Additionally, Coast to Coast Financial Solutions is not licensed to collect debts in the state of Ohio. They are therefore operating illegally within the state and have no authority to report this debt or pursue collection activities against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report XXXX has not reported the school loan information for XX/XX/XXXX through XX/XX/XXXX. This is a lie. Both TransUnion and XXXX know the school loan was in deferment and the information has been reported to TransUnion. I am being harassed by both TransUnion and XXXX regarding my school loan data. My Credit report is required to be updated by TransUnion and return my XXXX points. XXXX has had my school loans since XXXX. If another agency like, XXXX is reporting false information I have the legal right to sue them for fraud and harassment too! NO payment of XXXX was paid on the loan and there have been no additional loans of XXXX or otherwise. There are XXXX loans in accordance with the XXXX, that were consolidated in XXXX, with the original loan value of XXXX. The original loan value is not XXXX that someone is reporting to XXXX XXXX XXXX account. I have not been eligible for federal school loans since my loan value reached XXXX and I had to withdraw from my PhD program, due to the cap of XXXX put on XXXX school loans by the XXXX XXXX in XXXX. I have been trying to resolve this issue for 2 years. Both TransUnion and XXXX refuse to update the information on my credit report and with the Department of Education or find out who, which is looking like it maybe the former XXXX now servicing school loans as XXXX. You will all be charged with harassment and fraud if you continue to refuse to correct the information on my credit report and on my XXXX XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The web service is unable to handle correctly provided information such as PIN numbers and the result is that I am now locked out of managing my freeze, which I had managed just fine 2 months ago. 

I even setup an account with them, can login, all they do is try to sell me new services instead of using my verified credentials to help me manage the freeze. 

Their mistakes and bad web services is costing me real $ $ $ s Their phone numbers fail to clear the maze of options for me to speak to someone. 

This is unacceptable, I don't need them but I am forced to handle their failures.
Product: Debt collection

I have sent this company a dispute letter and received no response. I have also contact all XXXX consumer agency and they will not removed item. This is not my account.
Product: Vehicle loan or lease

On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX located on XXXX XXXX XXXX I got approved for financing through Exeter finance with a car note for {$700.00} The dealership pressed me for a down payment of around {$3500.00} which I paid unknowing that since I had already been approved for financing I didnt need to put down a down payment. This was the second vehicle I had purchased there within a years time time. In XXXX of XXXX purchased a new XXXX XXXX XXXX for my daughter and put down a {$2000.00} down payment as well, again I was approved for financing through XXXX XXXXXXXXnO will also add in both cases I was advised over the phone of my financial approval. I believe that this pressure for down payments were again my credit rights and violated truth in lending practice according to TILA 15 USC 1635 and 1662. I am feeling like I was taking advantage of because I was a woman. And I am asking that The dealership be held responsible and that these loans be remedied by them as a financial compensation to me and that I receive both car titles as paid in full. am also asking to be refunded the amount of my down payments for both vehicles.
Product: Checking or savings account

Bread Financial, doing business as Bread Savings, refuses to open a High Yield Savings Account product for Lawful Permanent Resident Green Card holders. 

On Bread Financial 's Web site for savings account opening, at the bottom of the page, they admit they require XXXX XXXX to bank with them. 

My spouse is a Lawful Permanent Resident with a Social Security Number, and is therefore denied banking services by this financial institution. 

I would like to open a Savings account but I do not believe that it is possible to do banking with Bread and add my spouse to my account as a joint account holder. 

I do not believe that this is legal under Illinois and Federal banking laws.
Product: Credit card

Today is the day before my due date on my credit card for Capital One. I mailed a payment via USPS out on XX/XX/2024 to the Capital one address in North Carolina. They still have not applied my payment to the account, now I will incur a late fee, I mailed out a payment the same day to XXXX and they applied it to my account two weeks ago. I know USPS isn't letting my payment sot in limbo. Now I will have my first late payment fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  some other banks showing over limit b/c of my breach they need to to correct this asap bc im looking to buy a biz it's causing some weird scores to show up see attached documents
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AMSHER Collection Services account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist Request Alleged Debt Dear AMSHER Collection Services, I, XXXX XXXX , am requesting that you cease all communication with me regarding the alleged debt, pursuant to theFair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). Under this law, you must stop contacting me except to confirm the cessation of collection efforts or to notify me of legal action. 
I also remind you of your obligations under15 U.S.C. 1692to avoid any unfair, deceptive, or abusive practices. Failure to comply with this request may result in complaints to theConsumer Financial Protection Bureau ( CFPB ) or legal action. 
As of the date of this letter : 1. I do not acknowledge the validity of the alleged debt. 
2. You are instructed to stop all communication with me immediately. ( that also includes credit reporting ) The only communications I will accept moving forward are : Written confirmation that you have ceased collection efforts. 
Notification of any legal actions you intend to take. 
Please confirm receipt of this letter and compliance within15 business days. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were multiple inquires on my credit report that were not authorized by me. I had a Freeze and fraud alert put on my credit report due to identity theft along with a police report and my credit report was still being pulled without my consent. I have contacted all 3 credit bureaus about this matter and not one representative has seem to help me. 

Also I was a victim of the XXXX XXXX computer glitch that resulted in my inquires being deleted and later XXXX XXXX add them back onto my credit report without giving me the legally required written notice of 5 days prior to them re adding them. I contacted them in faith asking them to delete the inquires that they had illegally re-added. 

These unauthorized inquires add a hardship and that my rights were violated by not only TransUnion but as well as XXXX, and Equifax.
Product: Debt collection

This agency never sent a letter about this alleged debt. The status of limitation for Texas is 4 years and 7 years nationwide. This alleged debt should not be on my report any longer. I continue to get harassing phone calls at all times of the day about this alleged debt and would like for the harassment to stop.
Product: Credit reporting or other personal consumer reports

I have found numerous accounts on my credit report that I did not authorize and did not open ; the accounts need to be removed, pursuant USC Title 15 1681 as soon as possible. I am writing to request immediate federal intervention regarding unresolved identity theft on my credit report by : TransUnion Intermediate Holdings , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Despite notifying them over 30 days ago and requesting an investigation as per the Fair Credit Reporting Act ( FCRA ), the fraudulent accounts remain on my report unaddressed. This negligence violates my rights under the FCRA and continues to inflict financial harm. I urge the CFPB to ensure the removal of these accounts and uphold my consumer rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled eith insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state s a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

To whom it may concern, On XXXX XXXX, I sent XXXX XXXX ( {$1400.00} ) from coinbase to another company called XXXX. Due to the fee added, coinbase took XXXX XXXX ( {$1400.00} ) from my account. According to coinbase, the transaction was completed but the bitcoin was never received by the other company. I contacted coinbase support on XXXX XXXX and XXXX additional times on XXXX XXXX and XXXX. Coinbase has never responded to my inquiry. Please find attached a screenshot of the XXXX address from XXXX and Coinbase. I would like to know why the vendor ( XXXX ) never received my bitcoin and what actually happened to my money ( {$1400.00} ) which was taken from my account. Please help me as it is a lot of money to lose. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report there were accounts appearing that I am not aware with a came from. I have been sending out disputes and demanding verification on these accounts, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX. I wanted these items deleted from my report.
Product: Credit reporting

There are incorrect names and a address that I have never lived at, not even in that town.
Product: Credit card

Everyone 's familiar with those Capital One credit card ads on TV where they say " use our card and get frequent flyer miles on the airlines ''. They use movie stars like XXXX, XXXX, XXXX. Turns out those TV ads are a complete misleading lie. Capitol One has their own private definition of what constitutes frequent flyer miles, vs what we, the general public thinks. I had XXXX miles with them. Think you can fly to the other side of the world with them and back -- -- first class no less? Wrong!! Turns out what they 're really doing is giving you {$.00} credit for every XXXX mules you 've earned. Then you have to go through their website to list on an airline. It was still going to cost me some {$1200.00} plus. I instead went on XXXX and bought the ticket for {$900.00}. I want to sue them for false and misleading advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in disputer letter in XX/XX/XXXX, XX/XX/XXXX, and called XX/XX/XXXX. 

XXXX XXXX is incorrectly reporting late payment across all three credit providers. 

XXXX keep saying they investigate this compliant but never updates XXXX   XXXX report with no late payment and Transunion XXXX with no late payment
Product: Debt collection

I had an XXXX XXXX account that was associated with my cable account. I moved to an area where the cable service was not available and XXXX was going to charge me a higher rate for mobile phone service because I was not able to transfer my cable service. I terminated my mobile account and returned my phones. XXXX is claiming that I owe early termination, late and other fees. The charges came to {$1000.00} They retained Credit Collection Services in XXXX, MA. I spoke with Mr. XXXX or XXXX ( he was not cooperative ) so I am not sure which and hope the call was recorded, on XX/XX/2020. I disputed the charge but offered to negotiate a settlement to clear my credit because of fraudulent reporting to credit bureaus. He refused and said they would not accept any less than 20 %. I disputed it previously and all they did was send me a statement. He asked if I had questions and when I started asking he was very rude and said that it would just stay on my credit report until I paid it and hung up on me. I considered this a threat to do harm to my credit. He is in no position or of authority to make such a statement.
Product: Credit reporting or other personal consumer reports

CFPB, question, why are my submissions getting closed upon their initial response? I received capital one 's response that has no relevance to my concerns a long with fraudulent reporting made to my credit bureaus. 

XXXX
Product: Credit card or prepaid card

About a year ago I started contacting Chase bank about a year ago. I had found out that there had been a checking and savings account opended up under my name. I went through the dispute process with Chase. They told me at the end of the investigation that If they found enough information that the account was not mine, they would be able to remove it from my credit reports, XXXX etc and then I would be able to open an account with them Fast forward after months of phne calls and emails with them. Turned out they did not hold me at fault for the account, but then back tracked that I could not be able to open an account with them. Also, I had reported to them that there was a chase credit card that was also opened up fraudluently under my name. I still have no heard anything back on that. I would like to be able to open an account with Chase like promised, and also would like to know what is going on with this credit card that I did not open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help with a matter I am having with Experian. I have been trying to some issues solve on my credit report and XXXX  and XXXX  have already updated and fix the issues for some reason Experian does not want to do their job. 

In XX/XX/XXXX I file disputes with Experian on XXXX XXXX that it was paid as agreed. 
XXXX XXXX that I was never late on this account XXXX XXXX XXXX which is my Mortgage company they are showing a late payment I have never been late on my mortgage this was in error on their part and needs to fix.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XXXX, XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified 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. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 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