23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> Maxlend withdrew what they said was my full account balance of {$2400.00} from my checking account due to XXXX failed payments without notifying me. In addition they say I still owe over {$700.00} in past due payments. How can I still have a past due of {$700.00} if they withdrew my entire account balance? I want the {$2400.00} returned to my account because I did not authorize the withdrawal
Product: Checking or savings account

I received a letter from Chase bank regarding my checking account. I've had the account for a long time. 
The letter I received in XX/XX/2022 said my checking account will be closed on XX/XX/2022. 
As of today, it's still open but I can not get an answer from employees as to why it's being closed. 
I've had overdrafts in the past, but not for many months. 
I've called my local branch and talked with the bank manager the first week of XXXX, XXXX. He can not tell me the reason. 
I've called customer service XXXX  since XX/XX/XXXX. No body will tell my why, or they transfer me to someone else who can not help me.
Product: Credit reporting or other personal consumer reports

I AM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WITH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS IMMEDIETELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 

TRANSUNION : XXXX XXXX XXXX XXXX CHARGE OFF LAST ACTIVITY XX/XX/XXXX ( CERTIFICATE OF INDEBTNESS ) -CXXXX XXXX- CHARGEOFF ( CERTIFICATE OF INDEBTNESS ) -XXXX XXXX XXXX CHARGE OFF LAST ACTIVITY XX/XX/XXXX -XXXX XXXX  {$14000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX CHARGE OFF IS A CERTIFICATE OF INDEBTNESS . INCOME CANT BE REPORTED. 

XXXX, XXXX XXXXXXXX XXXX- CHARGE OFF LAST ACTIVITY XX/XX/XXXX ( CERTIFICATE OF INDEBTNESS ) - XXXX XXXX {$15000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) -XXXX XXXX LAST ACTIVITY XX/XX/XXXX THIS IS INACTIVE MUST BE DELETED. ( CERTIFICATE OF INDEBTNESS ) XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX, XXXX XXXX  XXXX XXXX CHARGE OFF ( LAST ACTIVITY XX/XX/XXXX. XXXX BUT OPEN DATE IS XXXX XXXX. XXXX ) XXXX XXXX $ {$15000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) -XXXX XXXX  LAST ACTIVE XX/XX/XXXX BUT OPEN DATE IS XX/XX/XXXX THIS IS INACTIVE MUST BE DELETED. 
XXXX XXXX  LAST ACTIVE XX/XX/XXXX BUT OPEN DATE XX/XX/XXXX, THIS IS INACTIVE MUST BE DELETED. 
XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX CHARGE OFF IS A CERTIFICATE OF INDEBTNESS. INCOME CANT BE REPORTED. 


IN ACCORDANCE with the fair credit reporting act. public law 91-506. title VI, section611. provide the names and business addresses of each individual with whom you verified above so that i may follow up. please send me an updated copy of my credit report after your investigation.

Reporting inconsistent balances across bureaus date of first delinquency illegally being changed privacy act of 1974 this is a voilation 15 U.S.C.CODE 1681B every company must have written consent to confirm everything is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and public record listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, Chapter XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter opting out of any and all authorization I the consumer may have given XXXX XXXX  in a demand to have my personal, financial, public, and non private information removed from third party non affiliate companies and consumer reporting agencies per 15 USC 6802.

15 U.S. Code 6802 is about obligations regarding the disclosure of personal information. It states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party 15 U.S. Code 6801 states that Congress has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 
And Per 16 CFR 313.7 - Form of opt out notice to consumers 313.7 Form of opt out notice to consumers ; opt out methods. 
( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; I have submitted my opt out request even though the option was not clearly provided to me.
Product: Credit reporting or other personal consumer reports

incorrect Inquiries : Name : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX, IL XXXX Inquiries : XX/XX/year> XXXX XXXX  XXXX inquiries : XX/XX/year> XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX XXXX to have the account removed from my credit report. Experian. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed sent it certified mail r Experian rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that Experian made me pay for in a membership benefit form. XXXX told me to send in a police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my XXXX report to support and show inaccuracies. This clearly violates my federally protected consumer rights
Product: Payday loan, title loan, or personal loan

I have a Line of Credit with Navy Federal Credit Union. Recently Navy Federal turned my account over to a Law Firm/ collection agency for none payment. I have several receipts showing consistently on Time payments. I contacted Navy Federal several times and they stated my account are still with them. I 'm receiving mail and phone calls from a law firm trying to collect money on the behalf of Navy Federal.
Product: Debt collection

I decided to pull my credit report on XX/XX/year> to find out why my credit score was dropping. I noticed XXXX addresses in XXXX different states I have not stayed at on my report, and also some credit cards which were in collections that was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about an account which reports from XXXX, It is reporting different data for each bureau. I tried pointing out the issue to Transunion, XXXX  and XXXX  I have fallen on XXXX  XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7200.00} XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I initiated a payment through Venmo to XXXX XXXX, totaling {$58.00}, for the purchase of a pair of sneakers from a XXXX company with positive online reviews. Despite the promising reviews, I never received the ordered goods. On XX/XX/2023, I engaged in a conversation with a Venmo representative, requesting assistance in opening a dispute. Prior attempts to contact the company through their online form had yielded no response, neither in terms of communication nor the delivery of the purchased items. Subsequently, a Venmo representative reached out to me via email on XX/XX/2023, seeking additional details. 
They asked for evidence of my communication with the company. However, since the company only accepts communication through an online form and I received no response, I couldn't provide the requested information. Consequently, the dispute was denied, as stated in their recent email.
Product: Credit reporting or other personal consumer reports

In Section # 2 There was no choice for the problem I have Sorry did the best I could selected. I even called you folks, your representative could not even recommend a correct option. OTHER would be good to have. 

To Whom it may concern, My complaint is regards to Equifax Credit Reporting agency. My issue started when I went to my local branch of the XXXX  XXXX XXXX. To see where I stand in applying for a home loan. This occurred on XX/XX/XXXX. Days later I received a document from the bank Notice to Loan Application and according to that document as of XX/XX/XXXX, my Equifax score was XXXX. I immediately called Equifax and told XXXX XXXX I can ensure you your score is higher than that. And that the issue was the XXXX XXXX XXXX  problem. They sent me a document ; it showed my score to be XXXX as of XXXX XX/XX/XXXX. No way did my score change to XXXX  points in the span of nine days. 
Move on to XX/XX/XXXX. Went to a local XXXX XXXX XXXX. And while there applied for a XXXX XXXX XXXX XXXX XXXX Received a document from XXXX XXXX XXXX XXXX XXXX showing my credit score again from Equifax this time my score was XXXX. I immediately called Equifax again. Again, told that is a XXXX XXXX issue. I again asked for my credit score again this time informed it was XXXX as of XXXX XX/XX/XXXX!!!!! NO WAY IS THAT POSSIBLE! 
In both case this issue reflected poorly on me and prevent me from obtaining a higher lXXXX XXXX XXXX and XXXX for purchase of a house. I believe this is a Equifax issue and not the XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. 
I want the following done, A written letter of apology. Proof, such as ticket number, this issue will be resolved and never happen again, and if it does a direct contact phone number so as I do not have to go through a computer-generated phone system. 
ATTACHED DOCUMENTS : 1. Document # XXXX XXXX  XXXX XXXX  XXXX. Dated XXXX XX/XX/XXXX XXXX. Document # 2 ( XXXX & XXXX ) Notice to Applicant from XXXX XXXX XXXX XXXX Front/Back ) Dated XX/XX/XXXX Showing a score XXXX from EQUIFAX. 
3. Document # 3 XXXX dated XX/XX/XXXX from Equifax showing a score of XXXX as XX/XX/XXXX. 
4. Document # 4 Credit Score XXXX Notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX showing a score of XXXX from Equifax. 
5. Document # 5 XXXX  from Equifax as of XX/XX/XXXX, my credit score is XXXX! 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PH # XXXX
Product: Money transfer, virtual currency, or money service

I have an account with coinbase for cryptocurrencies such as Bitcoin, Ethereum and Litecoin. I have over $ 20k in my account. Two weeks ago my security was compromised so Coinbase locked my account. Since then I have not been able to get support or access my money to trade on information. I have escalated through every available channel including XXXX daily and received one support email to my ticket that asked me to repeat my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services keeps updating a charged off account for a vehicle loan. The loan is over 7 years old and they are updating it as though it's a new account. I know that there are legal limits as to how long a company can keep reporting a negative account. It is not legal for a company to sale your account as though it was new in order to keep reporting, nor can they update it each time you contact them. I have had the same or similar problem with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX as well as other accounts. This must be the new game in town. Please advise on how I can permanently have these accounts removed ASAP, never to return. What are my legal recourses if they do not comply?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX  Account Number : 1313 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.
Product: Credit reporting or other personal consumer reports

I had a bankrupcy removed from my credit profile my score went up by XXXX points XXXX, on XXXX the credit reporting agency dropped by score by that same XXXX points with no valid explanation, no accounts were reported late, no new inquires, no collections there was just no justification as to why the same XXXX points would have been taken away
Product: Mortgage

I paid my mortgage on XX/XX/2019. I made a principal only ( I was specific ) payment on XX/XX/2019 which was credited to my account on XX/XX/2019 {$530.00} as. Mortgage pymt instead of a principal only as requested. PHH Mortgage applies the XX/XX/19 as : Principal Only Payment : XX/XX/2019 {$40.00} & my XXXX pymt correctly : Mortgage Payment Applied : XX/XX/2019; {$810.00}. According to XXXX XXXX # XXXX, the money was placed into a suspense account which differs from the payment history
Product: Mortgage

In XX/XX/2016 I applied for a Mortgage with Fifth Third Bank. XXXX was my mortgage representative. She ran my credit and saw my score was on the verge of a denial she thought and then said, I should bring it up a few points. After that she still submitted my Mortgage application. Apparently, I was approved for a possible Mortgage if I would of submitted the paperwork the underwriters were asking for. I have documentation in the form of Postal Mail from the 5/3 mortgage center asking for information. I am attaching a Email asking XXXX where should I send these papers, to her or to the address on the mail. She replied " we are waiting and just wait for a denial letter '' is your score over 600? 
I waited and the property I wanted went up for sheriff sale. 
I asked to reapply and XXXX told me that my students loans were too high. Since I had a {$0.00} payment she had to figure out what I pay normally. She came back with a figure of {$400.00} a month on one loan, and {$700.00} on another loan. My student loans are {$19000.00} and 1 % is the average for student loans a month. So I am attaching a email where XXXX stated " FHA '' figures this differently. 
Now, I am at the office of the president asking for help from 5/3 bank. Well I am told that 5/3 wont buy " Sheriff Sale '' property. 
I asked my local 5/3 bank manager and she stated they have plenty of times bought " Distressed Properties '' from other banks. 
I feel that I was discriminated against because of the conversations with XXXX. She made it clear after I called the Office of the President that I got another department involved and there is not much she can do. 
Then after numerous attempts to contact the office of the president, they finally blew me off and decided that I was not worth dealing with. 
I am attaching a small portion of the evidence I have.
Product: Debt collection

I was a victim of identity theft back in XXXX. In the process of becoming a victim of XXXX XXXX I had to get a protection order and move within XXXX hrs to a private XXXX  XXXX shelter for abused women with my children out of state in XXXX Georgia. In that process my identity was stolen with a lot of my belongings. 

I did not realize this until later. I believe I had a police report from one state when I reach out for it that police station was not able to pull everything but they were able to help me with record numbers, I then needed a detective to get those records. 

XXXX XX/XX/XXXX I was served Court documents to show up at court. I called to confirm that I would be there with my attorney and my documents and the date was for XX/XX/XXXX Once I was here in Georgia my identity was stolen as well & I have police records for that. I went to court on XX/XX/XXXX for my Civil Case with XXXX XXXX XXXX, XXXX with the Magistrate Court of XXXX XXXX State of Georgia to plea my case and it was dismissed. 
Now on XX/XX/XXXX they have again re-opened this case under XXXX XXXX XXXX XXXX on my credit report in that same amount of : {$1600.00} which is the judgement amount I was dismissed for without prejudice and I have a copy of this judgment from the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency EOS CCA is reporting a XXXX Account they do not own. I find this false and misleading since they never reported all the on-time payments made to XXXX. How can they go right to charge off? They put this on my credit report for one reason, to get me to pay. This is " weaponization '' at its finest.

I have no issue paying, I want this removed immediately! if all of my on-time payments are not being reported, and if the history I had with XXXX is not being reported then they should not be allowed to report this to my credit! 
I never had a credit agreement with EOS CCA. This is bringing my credit report down, and needs to be removed immediately. This is incredibly unfair and unjust!
Product: Credit reporting, credit repair services, or other personal consumer reports

A complaint was filed on Experian under for not updating my credit report to show XXXX is paid in full. Their response back the you ( CFPB ) that the account was updated. A complaint was filed on XXXX with you ( CFPB ) for not posting my payoff check to my account to reflect a {$0.00} balance since XX/XX/2021 and also failure to report the closed account to all 3 credit bureaus. XXXX finally updated the account to {$0.00} balance recently but did not report my account is paid in full to Experian. The account is still open showing a balance of {$22000.00} and is being counted as part of the debt ratio, credit and/or from receiving a low interest rate. Although have a letter stating the account is closed, this is not acceptable with some banks when trying to obtain a credit. Per XXXX, the account has to show {$0.00} balance on the credit report. Ive asked numerous of times for this problem to be resolved with Experian and with XXXX. Experian will not allow me to file another dispute or call in to file a dispute regarding XXXX. Ive provided the complaint # s that was filed with you ( CFPB ) to show their response back stating the issue is resolved ( which is incorrect ). 
Here are the complaint # s : # XXXX, # XXXX & # XXXX
Product: Mortgage

We started a loan application on XX/XX/XXXX with Sun West Mortgage Company , Inc. NMLS XXXX. 

The loan officer did not tell us that the company could not make a loan on a property with more than 2 units. Upon learning this we changed the application to our home at XXXX XXXX XXXX, XXXX, WY and sought a partner to complete the purchase. 

On XX/XX/XXXX the loan office made the first loan estimate with the wrong address. ( XXXX XXXX XXXX, the purchase property. ) On XX/XX/XXXX the loan estimate was corrected to XXXX XXXX XXXX. 

On XXXX Sun West put an unlicensed " loan coordinator, '' XXXX XXXX between me and the loan officer, XXXX XXXX, NMLS XXXX. 

All documentation of our finances were submitted by the XXXX of XXXX. 

On XX/XX/XXXX Sun West issued a Closing disclosure with a funding date of XX/XX/XXXX but with their closing agent instead of the one we had selected knowing ours would cost less as a local XXXX XXXX XXXX office. We ask for a correction. 

On XX/XX/XXXX XXXX XXXX, NMLS XXXX Notified me that he had been substituted as my loan officer. 

On XX/XX/XXXX I notified XXXX XXXX that XXXX XXXX kept asking for uploads of our financial documentation that had already been uploaded. XXXX replied, " Yes, XXXX XXXX is your Loan Coordinator. Have a great day! '' ( I believe XXXX XXXX quit because of this addition of XXXX in the mix ) By this time we had extended our closing 3 times and the seller made a hard closing date of XX/XX/XXXX. 

Sun West made an error on the Closing CD to XXXX XXXX XXXX and it had to be returned to Sun West for correction. 

Subsequently, Sun West notified the XXXX XXXX XXXX closing agent that the loan could not be funded until XX/XX/XXXX. 

From the first funding date of XX/XX/XXXX and XX/XX/XXXX there was plenty of time if I had been working with an NMLS loan officer to get this loan to the closing agent with a funding prior to XX/XX/XXXX. 

This stall had the nefarious affect of indicating that a borrower must accept the Sun West closing agent if they want a timely closing on a loan. All borrowers should be informed that Sun West will not say the can not do the loan but will delay to get the word out to Realtors to advise their clients to accept the Sun West closing agent and their nearly double closing costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple errors, inaccuracies, witho no validation, been over 30days 60dat etc The account of : Al child support..has violated my rights..

15 usc 1681 section 601 A.

15 usc 1681 section 604 A section2 15 usc 1681c ( a ) ( 5 ) 15 usc 1681-2 ( A ) ( 1 )