23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I reviewed my consumer Reports and noticed I had 16 late payments on an account that I was never late for Consumer Reporting agencies have assured a vital role and have responsibility to report consumer information to their best ability with maximum accuracy I have never been late on payments for the account XXXX XXXX XXXX Account Number ( XXXX ). Please investigate and provide proof with statements showing these payment were late. If proof can't be provided I demand these payments be updated to be on time or NEVER late. Thanks
Product: Bank account or service

My name is XXXX XXXX. I have account with Ford interest advantage. I got the call from Ford interest advantage customer service that XXXX counterfeit checks were paid from my account. 
I tried to resolve this matter with the company but was not successful. I want my money back Please assist.
Product: Mortgage

Please see attachment. Select Portfolio is making a claim that it represents my creditor. They claim there is an assignment that took place by XXXX assigning my note to some Trust. They never sent me a copy of the assignment. Please help me get understanding and to get them to send me proof of an assignment.
Product: Credit reporting or other personal consumer reports

They have received copies of the tribal declarations dated XX/XX/year> and have not discharged the debt. There are no more negotiable instruments left or type to send. Only other means I have will be labor. 
The attached declaration has the seals of three notaries, and the seal of the Secretary of State Pennsylvania as the debtor. The Trust and the Person/Individual are all listed on the document and it is filed and numbered at the Secretary of State Pennsylvania stating they are responsible for the debts and the instrument is presented, valid to discharge the debt. They have received every form of instrument, and they have not discharged this debt. This AMEX has chosen to keep it alive, keep every instrument sent certified, close the account and recently declare me dead.
Product: Student loan

I have contacted XXXX XXXX numerous times regarding calculation of my qualifying payments toward Public Service Loan Forgiveness ( PSLF ), and receive the same message every time : " We're behind and we're working on it ''. I've been waiting 15 months. Here is my timeline : XX/XX/XXXX - Submitted first employment certification for Public Service Loan forgiveness ( PSLF ) and loans were transferred to XXXX XXXX. I was told payments toward PSLF would be calculated. I've been with the same employer and paying on a IDR plan since XXXX.I was told average calculation time was 90 days. 

XX/XX/XXXX - I had an issue with early termination of my IDR plan and reassessment of payment amount, which ended up in my filing a complaint with the U.S. Dept of Education Student loan ombudsman. During resolution, one of my terms was to ensure payments made during this period  would count toward PSLF. I submitted another employment certification ( same employer ) per their request, and received notification that I had made 4 payments toward PSLF, which I was told were from the period of when the complaint started to resolution ( XXXX ) yet the letter says my qualifying employment was XXXX, which doesn't even equal 4 months. 

Since this time, I've contacted XXXX XXXX 2-3 times  asking about calculation of my other payments ( XXXX ) qualifying for PSLF. I've been told the servicer is " backlogged '' and " calculations are taking a long time '' which they can not provide a frame of reference. I am about to switch jobs, and would like to know how many qualifying payments I've made to consider future plans for my employment. 

Also, I wanted to add that my husband is also currently paying toward PSLF. He has submitted two employment certifications and received qualifying payment counts within ~3 weeks on average. His loans were originally under another servicer, and XXXX XXXX  was able to count all of those payments within a mere weeks, whereas I've been waiting 15 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ( XXXX  XXXX- {$280.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted some inaccuracies to all 3 bureau 's and XXXX and XXXX deleted the item but not TransUnion because they said the account was able to be verified. However I see that there is an inaccuracies with the account by calling XXXX XXXX XXXX they won't give me any information regarding this account because they say the names does match. Please help Original creditor:XXXX XXXXXXXX Amount owed {$160.00} Account # XXXX Creditor : XXXX XXXX XXXX I have attached some screenshots of credit report from XXXX and from TransUnion In accordance with the Fair Credit reporting act XXXX  account # XXXX, has violated my rights 15 U. S. C 1681 Section 602 A. States that 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: Prepaid card

I made an online purchase at my local XXXX XX/XX/XXXX for XXXX, XXXX did a pre authorization, XXXX didn't have the grill I ordered and the total charge was for XXXX XXXX released the hold on XX/XX/XXXX and made the XXXX charge, The only transaction on the card is for XXXX app, I have called XXXX XXXX numerous tines at XXXX, they told me that it could take up to 30 days for the funds to be back on the card, now they are telling me XX/XX/XXXX, now I believe I am being scammed out of my money Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote to Transunion to complain that they are reporting inaccurate and incomplete credit information and requested verification of the accounts on my consumer report. It is now XX/XX/2021 and I have yet to be notified of the investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect accounts 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 XXXX, Equifax and XXXX 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 unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$11000.00}
Product: Credit reporting or other personal consumer reports

XXXX Credit card reported my account as delinquent to credit reporting agencies in XX/XX/XXXX : I have paid off the full balance every month ( with the few exception there were autopay glitches from their end ). There were never any balance owed. 

XXXX of XXXX, there was a duplicate payment for the full balance ( they took a phone payment and autopay in the same month ). When I found out, I requested XXXX of the payments be posted back to my bank account. So for the months of XXXX and XX/XX/XXXX, there was an overpayment ( credit ) on the account so there was no balance due and I could not pay anything to account. I was on autopay for these months. 

The bank decided to credit me back for the duplicate payment in XXXX. Apparently when they did this, they reported me to credit reporting agencies as me being delinquent for the month of XX/XX/XXXX. They backdated the credit back to the original date of payment in XXXX and then said that I did not make the XXXX and XXXX payments ( despite the fact that they had my money in their possession until XXXX ). There would not be possible for me to retroactively pay for the months of XXXX and XXXX ( no balance b/c it was showing a credit to the account ). They also did not let me know that the payment back would result in this. 

When I call XXXX XXXX XXXX credit card, they tell me that the situation is " unfortunate '' but the credit report is correct and nothing can be done. 

If nothing else, how can they take my money interest free for XXXX months ( XXXX ) and back date the credit? They will not work with me. They tell me it is the consumer 's obligation to foresee the outcome and they have no reason for full disclosure. 

For the months of XXXX, I have never received any statement due. All those months, the balance was always showing a credit, so autopayment would not have been able to make any payment on the account. They RETROACTIVELY made me delinquent on my account by BACKDATING the credit from the duplicate overpayment. Had they only credited my account in a timely manner for the duplicate payment, all this would have been avoided, too. 

Please help me. I want them to remove the credit delinquency from my account. Thank you.
Product: Checking or savings account

On XX/XX/XXXX I had received my check of the month for child support of {$1200.00}. I went to check my account like I usually do to make sure the funds were available. When I go to sign onto the app it tells me Yikes! Your account has been Closed if you think this is a mistake please contact member services at XXXX. So Ive contacted them via Email asking them why my account was closed and that I need that money because its for my children. The response I had received back was Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. For full details, please reference section 9 ( Account Suspensions and Closures ) of the Chime Deposit Account Agreement. 

I would like to share with you that any deposit received on a closed account ( in your case after XX/XX/XXXX ) will automatically be returned to the sender, you can go ahead and contact your payor to arrange another form of payment for your funds. 

Ive contacted them multiple times asking when my check would come in and they then told me I'm sorry to hear about the closure of your account. Chime has determined that your account is not in compliance with its internal policies and the member agreement executed at enrollment. 

Unfortunately, we can't send any closure check because you have a negative balance for some disputes denied. 
One more time, I'm terribly sorry for any inconvenience caused. Please reach back and let me know if I can assist you with anything else.

This was a huge mistake because I had saved {$15000.00} in this account and now all of my money is taken and Im being lied to and it has put me in a financial hardship. I didnt know what to do anymore so this is my last resort. Thank you for your time.
Product: Money transfer, virtual currency, or money service

Thursday XX/XX/XXXX there was two transactions with application called cash app. They were canceled by cash app for my protection and said that the funds would be refunded back to my bank account. Both transactions were for {$150.00}. I have called my bank and they dont see that its pending in my account. I have tried reaching out to cash app via email and have only got the same response every time. They said the funds will be there on Monday XX/XX/2020. And I yet to have my money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, WAKEFIELD AND ASSOCIATES is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
Account open & verified with company. 
Credit report showing account closed since XXXX. 
Files uploaded include proof of open account and usage activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XX/XX/2018 ) I called Navient this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. Navient will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. Navient kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a Navient representative that refused to give me his name, he said he was from the OCP branch within Navient, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The Navient rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the Navient rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew Navient was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if Navient filed a false police report against me and they said that Navient could not do that and they wouldn't take a police report on that if they did. Navient does illegal things when dealing with students/customers and I would like something done about it.
Product: Debt collection

Spoke with XXXX at XXXX XXXX XXXX on XXXX XXXX regarding 30 days ' notice to move due to my daughter being bullied which I have a police report for. I was told I could give 30 days ' notice instead of XXXX and they would waive the additional fees. I provided my forwarding address. 

My daughter was bullied, and we had our door kicked so I filed a police report. 
The Ledger from Property did not address this until 6 months after I had moved out. 
I have been harassed and threatened to sue. I have addressed this with the collection agency. 

I have paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email from XXXX about an inquiry so I logged to check it out and I know I did not try to open anything in the last 2 months. This was an attempt today thru elan financial services. And it said XXXX. Don't know if that was for a car or a credit card. When I called the number listed it seems to be a personal phone number. XXXX. I called XXXX to issue a fraud alert. And they told me to get a report with ftc.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or repair them in my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised in  XXXX   2016 . As a result, several credit inquiries were made that were not authorized.  XXXX  of those unauthorized credit inquiries appear on my Experian credit report. I have notified Experian and asked to have them investigated and removed, but they have not responded or removed the hard inquiries. It has been over 30 days since my third and most recent request to Experian.     I am attaching all three communications that I faxed to Experian. I can provide fax confirmations if necessary.
Product: Debt collection

I started receiving letters, emails, and calls from this creditor in regard to a debt that they claimed I owe. After facing financial hardships, I was unable to keep up with credit card bills. Soon after, my accounts were closed and I was denied access to see any information regarding the account. I had no way to validate the accuracy of the information that this institution claimed I owed. 

On XX/XX/year> I sent Discover Financial Services, also known as " Discover '', a debt validation letter requesting evidence of contracts, billing statements, plus any securities generated behind the scenes, tax benefits taken, charge offs ( which are income ), and discounts in selling the alleged debt. 

Discover did not respond. On XX/XX/year>, I sent them a Notice of Fault and Opportunity to Cure to try to resolve the matter. 

Discover did not respond. On XX/XX/year>, I sent a Notice of Default letter. I have not received any of the information that Ive requested. 

Due to the invalidation and unlawful collection of this debt, they have caused harm and injury to me, constituting violations of the Fair Debt Collection Practices Act ( FDCPA ) and warranting damages of at least {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit reporting act Everything has to be 100 % accurate on. my credit report The Credit Bureaus stated my account properly investigation in writing but how that possible if the balance is inaccurate last reported date is not accurate Also have inaccurate Original creditor Name. This is ground for removal. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have XXXX accounts with Barclays. I made a electronic payment of {$3900.00} to the account Barclays XXXX Card on XX/XX/XXXX and it was applied to my account on XX/XX/XXXX. When I notified Barclays about the error with my other Barclays account with the missing payment I sent to them of {$3700.00} to be applied to my XXXX XXXX Barclays card and was forced to escalate the missing {$3700.00} payment they completed a balance transfer from my XXXX Card that had less than {$450.00} remaining, without my consent to complete a balance transfer or without notifying me. They transferred the {$3900.00} payment to the XXXX XXXX account and charged me a balance transfer fee and additional adjusted interest payments. My new balance for a card that was almost paid to zero is now over {$4500.00}. My account they transferred the money to now has a negative balance of over {$3400.00}. 

I have called numerous times and nothing is being done to correct this issue.
Product: Money transfer, virtual currency, or money service

I made XXXX domestic US WIRE transfer to Coinbase XXXX XX/XX/XXXX for XXXX USD and XX/XX/2024 for XXXX USD Both of them are showing as pending in my Coinbase XXXX since then. Unlike in the past, where WIRE transfers will complete in few hours if done before XXXX PT or after the weekend if made on saturday or sunday. 

Reached out to Coinbase support, and after several days and hours on the calls and back forth emails, they admit that they know of the customers facing XXXX deposit issues. but are unable to fix this issue despite almost ten days have passed to first transaction.

Resolutions Required : 1- One this is not reported on the https : //status.coinbase.com publicly. Where they continue to claim that XXXX deposits are not affected. Thus being hideous of a major incidence as a publicly traded company. 
2- They are unable to provide an SLA XXXX timeline ) for when the issue will be resolved and the deposits will complete and become available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit