23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My family member ( s ) receive calls without giving me a chance to return their call. Example i.e., I was working today received a voicemail and within minutes they call my family member looking for me. This is not the first time they have called my family after leaving voicemails for me. They KNOW how to get in contact with me and need to stop harassing my family. This is ridiculous and harassment. I WANT IT TO STOP NOW. I voice my wishes with the local office today in XXXX GA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple times provided proof of funds received I will attach. I FULLY PAID XXXX XXXX they Received funds on XX/XX/XXXX but is trying to extort more money by using a second company XXXX XXXX XXXX they own to attempt to extort more money on something that is already paid in full I believe they are targeting me because I am a XXXX veteran. XXXX XXXX  and XXXX XXXX XXXX are violating my rights and using unethical practices in attempt to extort money from a XXXX veteran. -- -- in response to letter from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The balance is incorrect on A XXXX XXXX XXXX XXXX XXXX XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL, and TRANS UNION has been doing this since before XX/XX/XXXX, to the present. Due to the fact that these accounts have been closed since XXXX and have been fully paid for, Transunion is reporting inaccurate and false information. Balances and all information are false since they lack factual basis. XXXX XXXX XXXX XXXX XXXX Disclosure Transunion and all businesses are violating the law negligently by presenting this material as accurate. PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A XXXX XXXX XXXX XXXX XXXX XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. Transunion is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting XXXX XXXX XXXX XXXX XXXX Transunion and all companies are negligent compliance by reporting this information as accurate when in fact, they are not Trans Union has reported over several times as accurate when clearly, they are not. XXXX XXXX XXXX capital services and Transunion are violating My consumer rights and FCRA laws . XXXX XXXX XXXX XXXX XXXX is I believe retaliating with unethical practices by providing intentionally inaccurate information as XXXX XXXX XXXX XXXX violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to Transunion. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : XXXX XXXX XXXX XXXX XXXX Case : XXXX XXXX ( XXXX ). Any XXXX XXXX XXXX accounts and data must be DELETED from Transunion and Transunion due to violations of the FCRA and XXXX XXXX XXXX Be fined {$1000.00} to {$10000.00} per FCRA Violation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX loan date opened : XX/XX/XXXX Auto loan date closed/paid in full : XX/XX/XXXX Showing on credit report as repossession which is incorrect because car was traded in and remaining balance was paid and closed on XX/XX/XXXX. Ive disputed this numerous of times and still reporting incorrectly on my credit report to all XXXX credit bureaus. I have all documentation that proves this auto loan was paid in full and closed!
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. This is my XXXX letter that I encountered incorrect credit report information and I write to dispute certain items in my file resulting from the problem. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file issues due to erroneous credit report details : XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XX/XX/XXXX -- -- -- -- XXXX -- -Equifax : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed XXXX {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} -- -- -- -- -- -- XXXX : XXXX XXXX XXXX, CA XXXX XXXX Q XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA XXXX ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Capital One closed my account [ Account Number ]. Despite the account being closed, they continue to report late payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/year> on my credit reports. This is inaccurate and misleading, as no payments were due after the account closure date. 

Additionally, Capital One has failed to issue a 1099-C Cancellation of Debt, which is required under IRS regulations if the debt was canceled or written off. The absence of a 1099-C raises questions about the legitimacy of the charge-off status and whether Capital One has properly handled this account.

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), Capital One and the credit bureaus are required to ensure the maximum accuracy of the information they report. Reporting late payments for months after the account was closed violates this requirement and damages my creditworthiness. 

I have previously disputed this matter with the credit bureaus and Capital One, but the issue remains unresolved. Capital One has failed to correct its reporting, validate the debt, or provide evidence that payments were due after the account closure date.
Product: Checking or savings account

At CenterState Bank, I made a cash deposit to my account via the ATM on Saturday XX/XX/2019. In the amount of {$840.00}. 

As of today, Tuesday XX/XX/2019, the deposit was not credited to my account. I contacted the bank by phone, and was not able to get any resolution or speak to a manager. 

I drove to the bank. 

They immediately found the issue, and told me they have a problem with their ATM, and it has been a known issue for quite some time, yet, their ATM still accepts deposits. 

They refused to give me a credit, without balancing the ATM, which they advised they only do once a week, or they " would not get any work done '' even when they have a KNOWN ISSUE. 

I advised they need to balance the ATM, so I can get this credit. They advised they will do this, but are making me wait for hours. 

I also advised I would contact the feds, as this does not seem correct to me, that they can knowingly accept deposits in a machine that has a problem, further exacerbated by not balancing. 

I have tried to escalate this issue with the bank, as high as to XXXX XXXX, Regiomal Presiednt, yet can not get anyone to take a phone call. 

I believe a review needs to be done of not only this branch ( XXXX XXXX  in XXXX XXXX, FL ), but of the bank in general. 

This is ridiculous in today 's electronic and heavily regulated environment. 

Ironically, they have time to have 2  employees walking around with XXXX while I sit here.
Product: Debt collection

Calling me constantly all day. Some days 6-9 times a day. If feel this is harassment due to all the phone calls
Product: Credit reporting or other personal consumer reports

I have a credit card from XXXX XXXXXXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

As of XX/XX/24 there is inaccurate information reporting to XXXX, Experian, and XXXX. My name identifiers are missing and inaccurate across all three reports. The law prohibits the reporting of information that is inaccurate. There are numerous accounts across the credit reports showing these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX credit card department Status Sofi only conducts Soft inquiries when checking rates SOFI CREDIT CARD mislead consumer by conducting hard inquiry on XXXX which resulted in a hard inquiry on file untill XX/XX/XXXX and a reduction of 5 points
Product: Credit reporting or other personal consumer reports

I have recently conducted a thorough examination of my credit report on XXXX and was deeply alarmed to discover that I have fallen victim to identity theft. It has come to my attention that there are multiple inquiries listed on my credit report that I did not initiate or authorize. On XX/XX/XXXX Unauthorized additional Inquiries : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ally Financial 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 XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent the following document/letter to Experian for the following incorrect items they are reporting to my credit profile. ATTENTION : EXPERIAN DISPUTE DEPARTMENT - To Whom It May Concern : Thank you for addressing some of the accounts that incorrectly appeared on my credit report. However, please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted.These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. XXXX XXXX XXXX XXXX : XXXX - The past due amount reported is incorrect, please delete. XXXX : XXXX - The payment status is incorrect, please delete. XXXX XXXX XXXX XXXX XXXX : XXXX - The first delinquency reported is incorrect, please delete. XXXX XXXX XXXX XXXX : XXXX - The past due amount reported is incorrect, please delete. By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. Thank you for your prompt a+enXon to this ma+er. I apologize for being so upset, however, your mistakes are causing me a world of trouble. Please DELETE/ UPDATE the above accounts as quickly as possible.
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 due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient balances, despite initially having available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding inaccurate information reported on my credit report. The incorrect information has significantly impacted my ability to access credit and has caused undue financial distress. 
The credit bureau reported that the balanced on the Account for XXXX increased. This caused my credit score to drop significantly because it appeared like I missed payments on this account. I have applied for several credit increases and was denied despite the fact that I still maintain a credit score over XXXX. The account makes it appear that I have a high balance in relation to the credit line. 
Ive sent Transunion a letter to dispute the information and received a response that the account had been verified. 
I have included my correspondences from XXXX, TRANSUNION, XXXX and XXXX XXXX that are related to this issue. You can contact me at my email address for further communication regarding the complaint. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will investigate this complaint thoroughly and take appropriate action to resolve the issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I transferred XXXX Bitcoins to my Coinbase bitcoin wallet with the intention of exchanging it for USD. Within approx 1-2 hours my Coinbase account showed the transaction as complete, receiving XXXX BTC with approximate value of {$4100.00}. However, the money was never added to my bitcoin wallet and the balance remains XXXX. I had successful transfers to my account before this. I double-checked everything is correct, and my Coinbase account history clearly shows the transaction, I just never received the bitcoins. 

I filed an issue with Coinbase support on XX/XX/XXXX, followed up on an automated reply from them on XX/XX/XXXX, and called them on XX/XX/XXXX. On the phone call, the support person looked at my account and said that it did indeed look like an error on their part and that they would elevate the case for a specialist to look into it. I have not received any replies from Coinbase since, and my messages to their support system have gone completely unanswered. The bitcoins have still not been credited to my account. 

I have complete documentation including screenshots showing all transactions and wallet addresses, a download of my complete Coinbase transaction history, and all communications with their support team.

It has been 8 weeks since their mistake with zero action from Coinbase, which lead me to believe they have no intention of ever resolving this issue.
Product: Mortgage

Im writing to appeal your decision to deny my loan modification application submitted on XX/XX/23, when you claim to have been willing to reverse the decision to cancel and accept payment by XX/XX/23 but failed to communicate this to me in writing. No one told me about this offer when I returned the call from XX/XX/23 and instead was told I had to submit a new application which I did on that very day ( XX/XX/23 ). 

I was just APPROVED 60 days prior for the modification and in those 60 days, I sent in the first payment, which got accepted. I sent in the second payment, it initially got accepted and then returned back to me, for a reason which was not explained. I spoke with PHH and they never told me to resubmit the payment by XX/XX/23. Which I would have done because I already sent in the payment. 

What is going on is not right. Ive been fighting to keep this house and I finally got approved for the loan mod, please reconsider. 

I only found out about your offer to reverse the cancellation after I checked with the complaint I filed with the CFPB. Unfortunately after XX/XX/23. 

Your current reason for denial is now related to XXXX which is inaccurate based on the condition of the house. Due to the condition of the house, this home is not worth {$680000.00}. See the listing of comps ( attached ). Which I believe PHH said that is {$14000.00} over what the loan mod would be approved, which is wrong because I was just approved 60 days ago. 

This home has been in my family for 49 years and represents XXXX generational wealth and I would very much like to keep it in the family. 

I appreciate your reconsideration of the reversal of the current denial especially in light of the situation that caused it on your end. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an update from a credit monitoring application stating my file was updated on XX/XX/20. When checked it showed a hard inquiry from XXXX. I do not have any business with or give authorization to XXXX XXXX to obtain my credit report. I filed a dispute with equifax on XX/XX/20. On XX/XX/20 I received an email stating my dispute was closed on XX/XX/20 and Equifax somehow determined the inquiry was factual and would remain on my report. How can it be factual when I am reporting i gave no authorization for this company to obtain my report?
Product: Credit reporting or other personal consumer reports

Request investigation into accounts and credit inquires that's not mine. I want these items corrected and deleted. Please also provide name, address, phone of who verified this information
Product: Debt collection

AFNI filed an debt collection account with XXXX and XXXX credit bureaus that does not belong to me. They have not provided any proof that the debt belongs to me and appears that they are violation my consumer rights and statutory deadlines on their collection practices. Please instruct them to remove this error from my credit files because this error is causing me monetary losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, SUNTRUST AUTO DEALER FIN add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a lot of discrepancies on my credit report from Experian and i have right to privacy under 15 USC 1681. Experian did provide an original contract with my name, address, phone number and signature for this account. Experian did not provide a breakdown of billing and payment history for this account. Experian did not show that the creditor have right to collect this debt. 

I demand the account listed below be remove from my credit because Acounding to 15 USC 1681 i did not give Experian permission to furnish this information ACCOUNT # XXXX
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Someone got access to my closed Synchrony Bank/XXXX XXXX XXXX and purchased a car in XXXX Texas XXXX
Product: Debt collection

A financial institution that identified as a debt collector, Santander Consumer USA, has bee attempting to collect money for an alleged debt. This company has called everyday non stop until I requested that they cease attempting to verbally contact me. They have only complied to stop verbally contacting me. However, this company continues to report derogatory remarks on my consumer file to the consumer reporting agencies. Pursuant to 15 USC 1666b, section ( 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. '' This company has refused to cease reporting to the consumer reporting agencies even after I requested that they stop. They also threatened to seize my property even after I have notified them numerous times of their violations against my consumer rights. I have been in communication and in dispute with this company for 4 months now. They refuse to acknowledge any of the claims I presented even with the consumer laws to support. I have also notified the consumer reporting agencies as well, and their reinvestigation has not been impartial and fair with respect to the law. I will attach documents of their correspondences as well as mine.
Product: Checking or savings account

The IRS sent me a letter stating that they sent my Covid check for XXXX to my BB & T account which has been closed, but BB & T never sent it back to the IRS and kept it without notifying me or sending it to me by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at the XXXX dealership yesterday XX/XX/20 because I'm in need of a new car but when they ran my credit to see if I qualified for the auto loan, I was told that I could not be approved at this time due to having accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about but after looking through my report myself, I saw four accounts that do not belong to me. The accounts were opened with these companies XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX  CREDIT CARD. I did not open any of these accounts and I did not give anyone permission to open them in my name or with my personal information. I do not have any type of contract or relationship with any of these companies and I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I have filed this report to the best of my knowledge at this time.
Product: Credit reporting or other personal consumer reports

XXXX has not provided me proof of the inaccuracy on my account. Unauthorized inquiries and accounts.