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

Filed a complaint ( XXXX ) on XX/XX/2023 against Experian regarding a closed dispute that did not follow proper procedure. I received an email stating Experian started a new dispute was opened on XX/XX/2023, report number XXXX, and only corrected my name and one address per my second request. There is still an address being reported that I never resided at. These inaccurate items where still not deleted per my instructions. That dispute was closed same day on XX/XX/2023. Experian is still non compliant with FCRA.
Product: Checking or savings account

On XX/XX/XXXX an unauthorized transfer of {$5000.00} was made from my Ally savings account to a joint account and from there the transfer disbursed multiple ways. I called the bank two days later to confirm I did not authorize this transfer. The joint account holder did not have access to my primary savings account, and I was told by the bank that he must've made the transfer but that was not possible. I was then told that yes, this was a fraud case and that my account had somehow been " mirrored '', and it would be investigated, and I would receive my money back within 30 days. That did not happen, I called again and representative apologized and said that information was incorrect, and it would be at least 90 days. I have called Ally bank multiple times between XXXX XXXX and spoke to many representatives and was transferred around many times and spent hours on the phone for each phone call I made. 
By early XXXX I was then told that the bank found that this transfer was legit and that my funds would not be returned. Throughout this process, I asked for all these details in writing and never received. I asked to speak to multiple managers, and everyone stated that nothing could be done. I was never given details of the " investigation '', nor did I ever have a direct contact phone number to those working on my case. It has been an absolute horrible experience with no real answers. I simply don't understand how a bank has zero accountability and misled me for 5 months and continued to promise that my funds would be returned.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX continues to report inaccurate information to the credit bureau along with Experian continues to lie an manipulate several closed accounts to like it's a new charge off. This company also have never sent me a 1099 file since they said they written the debt off that ain't been updates since 2018. They said that they have verified this account over an over again which is a FCRA violation. I have proof in the description down below to prove how Experian continues to disregard and manipulate my credit report with inaccurate ans false information.

There are 4 accounts that I'm speaking of with the same problems and this has been going on for 7 years
Product: Mortgage

I have been trying to do a loan modification with Ocwen bank since XXXX of 2014. I have been given the run around and submitting the same items and a complete file multiple times. All of this time they said I do n't have a complete file. XXXX of the reps, XXXX XXXX, from the loss mitigation department suggested that I send in a letter requesting to cancel the modification and restart the process. He suggested I wait a week before I resubmitted my file. Then the bank put the home on auction to be sold. The rep said do n't worry he can post pone the sale as soon as the file was uploaded. The sale was postponed for 45 days but then XXXX days after receiving my complete file they denied me for a loan mod for reasons that the investor would n't allow it. 

I asked if I could then sell the property to avoid foreclosure and they said there is n't enough time but that I could try. 

I simply want to be able to avoid foreclosure and be given the time to list the home and sell it out right.
Product: Checking or savings account

2 days ago I paid my phone bill, then Ive gotten a notification saying my account was closed and I tried calling my bank they said I was in violation and I cant use that bank again. They never told me why it was closed and they havent sent my money as a check in the mail. And I cant even transfer my money over to a different account
Product: Credit card or prepaid card

My wife was the holder of a United Mileage Plus credit card. She died on XX/XX/2021. I was an authorized user on her account. I had to cancel the account because of her death. I transferred our accumulated frequent flyer miles to my name. 

I applied for a United Gateway Mileage Plus credit card to continue accumulating frequent flyer miles. My application was denied on XX/XX/2021 I wrote a request for reconsideration on XX/XX/2021 and was denied again on XX/XX/2021. I believe the denial was based solely on the change in my marital status because I have excellent credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am writing to dispute the reporting of late payments on my credit card account, as reflected in my credit report. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXXXXXX XXXX XXXX Account Number : XXXX According to my understanding of the United States Code, specifically 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I kindly request that you update this account as all payments made on time and make the necessary corrections to my credit report.
Product: Money transfer, virtual currency, or money service

I'm trying to link my bank account with PNC on XXXX but PNC Doesn't allow this. It should be my choice who I link my account with not the banks.
Product: Debt collection

I am a XXXX XXXX citizen : In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : National Enterprise Systems, Account reference # XXXX in behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. have violated my rights. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I have not given any written consent to any agency or company to publish any private or confidential information regarding my person.
Product: Checking or savings account

An account was opened fraudulently in my name ( navy federal ) while I was overseas. The account was opened online. They did an investigation and still said I was responsible. Which I dont t understand if I was overseas. Plus my last known address in the states was completely different. Ive been dealing with identity theft for a long time and trying to fix everything.
Product: Credit card

I was paying monthly on my credit card until I noticed that my balance never went down and only increased. When I say increase, I dont mean your monthly late fee if later instead the fee was more than 3 times amount of my monthly bill. I spoke with several representative and even got on a plan. The plan allowed me to make normal payments for 3 months but it really wasnt a helpful repayment plan it seems as if they stopped the interest while paying then tagged on even more interest afterwards. I didnt do any cash back with the card. I went from an interest rate around 9 % now having to pay over 40 %. I finally quit making payments because no matter what my balance was not decreasing and my credit is being effective. I would never suggest this company to anyone.
Product: Money transfer, virtual currency, or money service

My girlfriend and I have been using Coinbase.com /  XXXX  for cryptocurrency trading.
On   XXXX   XXXX  , 2017,   XXXX   initiated a bank wire transfer from her   XXXX   XXXX   to my   XXXX   account in the amount of {$20000.00} to invest. However, it is only after we have not gotten the funds, when we realized that the sending account name has to match with the recipient account name.
We then called   XXXX   XXXX   to ammend the wire instructions, so we can correct the recipient name back to her own name, which we did. We also called the   XXXX   XXXX   ( Coinbase 's bank ) to verify, and they did verify that the funds were deposited.
However, it is now   XXXX   XXXX  , 2017. Almost a week later and nothing has been done. Both of us have been emailing coinbase and   XXXX   with aboslutely no response. We tried support@coinbase.com, wiresupport@coinbase.com,  XXXX  with no response.
Ive tried to message them on twitter, i 've even started a thread on reddit to resolve this issue. Still, nothing happened.
Product: Money transfer, virtual currency, or money service

Venmo services froze my account on XX/XX/2021 with a balance of XXXX left in it I have contacted them on numerous occasions they will not tell me why or how my account was frozen so I decided to wait their 180 that their policly says to wait. After waiting their 180 days I tried to contact them again and they just repeated what they said the first time. Now it has been well over their 180 days that their own policy says its been over a year and they still refuse to let me transfer my money out and close my account I think ive waiting long enough...
Product: Debt collection

In XX/XX/XXXX, I terminated a lease with XXXX XXXX XXXX XXXX XXXX as part of a permanent XXXX XXXX XXXX  move with the XXXX XXXX. The property management company claimed that there was carpet damage over the amount of the deposit, reporting an additional {$1300.00}. I requested a line-item of the additional charges. When providing the line-item, the property management company ( XXXX XXXX XXXX XXXX XXXX ) identified that the amount was in error, and reduced the amount to {$710.00}. At some point, XXXX XXXX XXXX XXXX XXXX sent the outstanding debt to collections agency Hunter-Warfield in the amount of {$1300.00}. Hunter-Warfield ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX sent the first invoice on or about XXXX XXXX XXXX. I responded with information of the adjusted rate, as well as it was under dispute with the rental company on XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, responded on that same day, XXXX XXXX XXXX, stating that a validation of debt would be requested and a copy sent to me. This was never done. XXXX XXXX XXXX  claimed that they considered the matter closed since it was at collections now. Subsequent communications asked for the erroneous amount ( {$1300.00} ), or during the Holidays a " 20 % reduction rate '', to which I informed Hunter-Warfield I would only pay the corrected amount, and would not pay until they had formally reduced it as the amount owed in the statement. ON XXXX XX/XX/XXXX, I asked Hunter-Warfield for a status, and resent the same information regarding the reduction of the amount to {$710.00}. They stated that they would open an investigation into the matter. ON XXXX XX/XX/XXXX, I called their customer service line, requesting an update, to which they stated they were still investigating. I inquired about the original request ( validation of debt ) from XXXX, and they claimed to have no record of it, despite the email I received from XXXX XXXX.
Product: Credit card or prepaid card

Citibank credit card is putting minimum due amounts on the app then what is different when logging from a desktop. They are ripping customers off the {$28.00} late fee by doing this. When asked for a waiver they indicate a courtesy waiver can not be issued. This is not a courtesy. This is their error. The app should match the same information the desktop does. I have a screenshot of what the app was asking for but when i tried to get my credit card information they have now taken my access because i told them i was going to file a complaint. My app was asking me to pay {$96.00} but the desktop was asking to pay {$130.00}. ( See screenshot of how much the payment was made for )
Product: Credit reporting or other personal consumer reports

XXXX Transunion, Hello I recently received a response to a dispute that i made under FCRA 611 ( a ) regarding an erroneous item on my credit report. I was shocked to learn that you somehow verified the disputed item and they are still on my credit report. If you had investigated properly, rather than use your e-Oscar system, you would have known that these items listed below should have been removed in my initial investigation. 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 I am very interested to learn how you arrived at this erroneous conclusion. I would like to see a complete list of all the documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. I did research on my own and learned that in the case of Cushman V Transunion, Stevenson V.TRW ( XXXX ), and Richardson V. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't Merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable! I am in the process of planning a legal case, so I need specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or will expect to see the item in question permanently removed from all records.
Product: Credit reporting or other personal consumer reports

This is my second notice of these fraudulent accounts on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, these fraudulent items have to be blocked and deleted from my report.
Product: Student loan

I had a loan through Brazos Higher Education that went into deferment and was being sent to my old address. I was then contacted by XXXX XXXX in XXXX, MA XXXX and reached out to them to make payments and the gentlemen XXXX XXXX at first did not agree to how much I could afford to pay him, so I then contacted to Brazos who agreed to the {$300.00} a month. I ended up out of work for a month due to surgery and received a letter that XXXX XXXX XXXX has put a lien on my mother 's house and trying to garnish our wages. 

I reached to the law firm asking him I could lower payments because I ca n't afford the {$300.00} a month at this time and he said no so I contacted XXXX when then I started receiving emails for the Law Firm saying he will only deal with me through court and is not coming to an agreement with me and when I have reached out to him again he wants nothing to with me, will not give me account number or tell me the 3rd party involved. 

XXXX also says there is nothing they can help with me since they turned it over to the law firm and I all have them emails to show that this has happened and the woman from XXXX 's her name is XXXX she is the only one in the office with that name, said she was reaching out to a woman named XXXX who was reaching out to the Law Firm. 

This is not right as I have a another loan with XXXX paying {$50.00} per month and have never had an issue with them. I believe I am being mistreated severely. I am dealing with a hostile law firm who wo n't agree to let me pay what I can afford.
Product: Checking or savings account

The bank of America has just contacted me via their secure message system and repeated their decision that their initial decision was right and the time for my claim has been out of the window which is a true lie and FRAUD. 

I have disputed my XXXX from apple exactly the same week after I encountered the error and asked Bank of America to dispute it but they did not. 

They keep bringing excuses and falsely claim that I delayed opening the dispute request and they are wrong. 

I need someone to take care of these people. 

BANK of AMERICA is wrong and I object to their decision.
Product: Debt collection

Capital One is reaching out to me regarding a credit card debt collection that was in my name. I was not aware of this debt up until now, the amount sums up to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this please as my formal complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an existing issue with transunion XXXX and XXXX XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach out to FCRA requirements.XXXX I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Mortgage

XX/XX/XXXX - I, XXXX XXXX, opened a loan with PNC Bank XXXX XXXX of {$100000.00} for 216 months at given interest rate of 5.8 % at a payment of {$740.00} XX/XX/XXXX - I received mail from PNC Bank stating " we discovered your fixed rate lock established on XX/XX/XXXX, did not receive the correct interest rate, As a result, you were overcharged interest. Your fixed interest rate has since been lowered to 5.220 %. '' XX/XX/XXXX - PNC mailed to say they credited my account for overcharging interest - a credit in the amount of XXXX was applied to my principal balance. 

A 216 month XXXX loan of {$100000.00} at 5.220 % should result in a payment of ~ {$710.00}. 

I have contacted PNC many times to find out what will happen to my load going forward. They refused to answer and provide resolution to providing me with a lower monthly payment
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information to the credit bureaus. 
XXXX XXXX XXXX is reporting a balance of {$9500.00} which is incorrect. The balance is {$0.00}. 
XXXX XXXX XXXX is also reporting late payment for XX/XX/XXXX, which is incorrect. 
The payment was not late for XXXX. The final payment was due XX/XX/XXXX and the payment was made XX/XX/XXXX in the amount of {$3500.00}. 

XXXX XXXX XXXX has also reported the following payments as late however, the payments were not late. The due date is the XXXX of each month with a 10-day grace period so the payments are not late until the XXXX of each month. 
Monthly payment amounts {$430.00}. 

Payment date Status Amount XXXX {$3500.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$400.00} XXXX {$100.00} XXXX {$210.00} XXXX {$430.00} XXXX {$100.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau never did a proper investigation according to the FCRA for the account listed below XXXX XXXX XXXX XXXX Account # XXXX The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

This was not done. 

They have also violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. 

The Credit Bureaus stated this account was properly investigated and verified with XXXX and the US Bankruptcy courts but how is that possible when I have documentation from both sources that prove this information is inaccurate. This is the grounds for removal. 

They have violated the law because according to 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.