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

Equifax, transunion, experian does reflect the same information as experian and transunion the scores aren't the same the information are not the same across a three credit Bureau and my information of address and phone number & name is public information without my permission has left me victim to 3rd parties collections and fraud which has greatly impacted my credit score and affected me mentally physically and emotionally as a mother of XXXX kids from getting housing, food, and financial security or assistance when my score should reflect in the XXXX across all bureau I want to be financial compensationed the traumatic, hardship this has had on me & my kids.
Product: Credit card

I recently applied for a Chase freedom card. I received a letter from Chase today ( XXXX/XXXX/17. ) This letter was denying my request for a few reasons. After reviewing all of my credit reports, and the letter, I find that Chase has no justification for denying my request. For example, Chase claims that I have a credit card that has not been paid on time - NOT TRUE. I have a new account with a 100 % on-time payment history.
Product: Money transfer, virtual currency, or money service

I deposited {$70.00} into my CashApp account from my XXXX  XXXX XXXX account on XX/XX/XXXX at XXXX. I no longer needed the balance so I transferred the total balance back to my XXXX  XXXX XXXX account on XX/XX/XXXX XXXX {$76.00}. I have contacted cashapp and they sent me on XX/XX/XXXX {$1.00} since the transaction wasnt instant. However the problem is and remains to be I have not received my {$76.00}. The customer service representative emailed back on XX/XX/XXXX with an incorrect deposit amount and transaction ID saying to contact XXXX  XXXX XXXX. Im tired of going back and forth. I have yet to receive my deposit of {$76.00} to my XXXX  account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent collection account that has been reported to my credit report by XXXX XXXX XXXX XXXX, doing business as XXXX. The account in question has the account number XXXX and the original creditor listed as XXXX XXXX XXXX. 

I believe that this account is fraudulent and the result of identity theft. I did not open this account or incur the debt associated with it. I have already taken steps to report the identity theft to the relevant authorities and have filed a police report.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and remove this fraudulent account from my credit report as soon as possible. I am also requesting that you provide me with written confirmation that this account has been removed from my credit report.

I have attached supporting documentation to this letter, including a copy of my police report and any other relevant documentation. If you require any further information from me, please do not hesitate to contact me.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/1975
Product: Credit reporting or other personal consumer reports

Submitted investigation request for Equifax confirmation # XXXX report # XXXX Submitted investigation request for Experian case # XXXX wrong social security number Case # XXXX Submitted investigation request for Transunion file # XXXX No response received. I am now filing this this complaint regarding inaccuracies on my reports merged with a wrong social security number, name and addresses that are not mines.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. 

They never did a fair investigation according to the 15 USC 1681. 
15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 
However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since the security breech, I have not been able to get Equifax to answer my dispute from months ago, and now when I try to login for another dispute, get the same answer that my information doesn't match with their records so email the dispute. The whole report is outdated and does not include many new pieces, like I paid off an auto loan and started a new one, several  accounts have been paid that are still on there. I don't even know where to start anymore! There is no contact information to talk to a human. Please help! For those who have to rely on credit reports ( all consumers, presumably? ) to do anything, I need these people to step up and get corrected or drop out of being a reporting agency at all. I am potentially at risk by not having correct info out there if I want to get a home loan or other credit source. This has been going on far too long! Thank you for any assistance! XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a XXXX payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The reported late payment is inaccurate as I made my payment on time. I have included bank statements showing the payment was processed before the due date. 
Account Closure : The account was closed at my request, and no late payments occurred at the time of closure. The reported late payment misrepresents the accounts closure status. Ive included the closure confirmation showing that the account was paid in full before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Iam writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

A charge was made using our debit card for {$1000.00} to an airline. I reported this charge as fraudulent with the bank on XX/XX/year>. The bank said they would mail us a new card which we never received. Then the Bank of the West bank merged with BMO in XX/XX/year>. I called Customer Service in XXXX and I was told to wait 90 days for the merger to complete. So I then call in XXXX and I'm told BMO doesn't have any records " back that far '' and directs me to go into the branch. I go to the branch, the customer service there tries to make several phone calls and then he tells me he will have to wait for a response " from the back office '' and will email me. That was 3 weeks ago. I called the telephone customer service, again, in XXXX and they told me to go to a branch. I'm going in circles here and I'm out {$1000.00}
Product: Checking or savings account

I had my account wrongfully closed for a check that was motorized and authorized by the issued party. My godfather XXXX received his state XXXX  retirement fund and doesnt have a government issued id due to loss. He was attempting to have me deposit it because check cashing places charge 20 %. Bank of America closed my account because they suspected fraud. They refuse to give me a way to reach a higher standing supervisor who can assist me. Their closure department is filled with rude young women who give sass and snarky responses at every chance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX ( account # XXXX ), XXXX XXXX XXXX ( account # XXXX ) have violated my rights. Please delete these accounts from my credit reports. 

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

15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I have had a loan refinance pending with Flagstar Bank since XX/XX/XXXX. To clarify, my credit, income, loan to value, debt levels, etc. are all well above any minimum underwriting thresholds. Flagstar currently owns the mortgage that I am refinancing. 

I received a Conditional Approval Letter on XX/XX/XXXX. The letter had vague conditions listed to complete the loan, so I attempted to reach both my Loan Officer and my Loan Processor. The Loan Officer 's number immediately goes to voicemail every time ( dozens of calls ) and the Loan Processor 's number does not work. I have left voicemails, emails, and messages using Flagstar 's online portal service. I also have called the main line for Flagstar to escalate.

To date : From my Loan Officer : I have received 1 form email that did not acknowledge I had questions and one phone call which said things would be taken care of, but not follow up. 
From the Main Line ( escalation ) : 4 separate calls have resulted in promises that a supervisor would call back, but this has not happened. 

Over the weekend, I got a call from an appraiser ( 22 days after the Conditional Approval letter ) saying he got an order to schedule my appraisal, but then had a subsequent order to cancel the appraisal. I have no correspondence from Flagstar about any of this. 

In the beginning of XXXX, I will have my second loan payment due since starting my refinance. Flagstar, through their incompetence, is creating unfair lending practices by stretching out the length of time of their refinances so that they may charge the higher interest rates. Either that, or they are making the loan process difficult in the hopes that I will not complete the refinance and they will hold the loan on their books with the higher interest rate.
Product: Mortgage

In XX/XX/2018 I applied for a HELOC loan through Bank of the West in XXXX, CA. 
I signed the final paperwork on XX/XX/2018 for the sum of {$100000.00}. 
On XXXX I received a phone call from the bank saying I had forgotten to sign a document. I thought that strange since I signed everything presented to me. I went down to the branch and spoke with Bank Manager XXXX and she asked me if I wanted to put the money in my checking account. I said sure that would be alright. She gave me a from to sign to ok this. I received my statements showing money in checking and HELOC account. However there were interest charges deducted from my checking account for {$390.00} XX/XX/XXXX-XX/XX/XXXX and {$450.00}. I went to the branch and spoke with XXXX that this was an error as I had not taken a draw on any money. She said when I signed that form that is considered on the entire {$100000.00}? I said what? Why would I do that when I had checks sent to be to use on the account. Why would anyone choose to pay interest because you asked me to come to the bank and ok putting into checking knowing I would have to pay interest. Who would be so stupid do pay interest while it sat in another account? She said well you signed it. I said that form said nothing about being charged interest. This is of course automatically deducted from my checking. 
I said I want that phony interest written off she said no. I did use {$4000.00} withdrawn so I could pay my contractor on XX/XX/XXXX and I realize I owe interest on that. So she said I could write a check for {$96000.00} to put in the HELOC account. I said all you are doing is changing account numbers? This is crazy. But wrote out check. 
I asked to speak to her supervisor and she said there was no one above her. I located district manager in XXXX XXXX XXXX and she said I signed the form so I have to pay. Went to my CPA he called her as he could not believe they try to get away with this and XXXX said the same to him. They deliberately called me to the bank to sign that form as I had already signed with original documents stating no to scam me on interest. 
I guess they didn't like it just sitting there and me not using it right away to generate interest? That is a lot of money taken from me that I didn't even touch. Help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Spoke with XXXX XXXX last month about an issue with them reporting XXXX account to my credit file with the same information. they advised me to dispute it with XXXX which I did last Mon XX/XX/XXXX. XXXX updated the accounts they stated that they valid. I'm like how is a account that reports the XXXX accounts with information the same valid. Spoke to XXXX XXXX this morning she stated that the last time XXXX sent in a request form information was XX/XX/XXXX XXXX so here is the issue. XXXX XXXX XXXX is straight out not telling me the truth or XXXX is doing what they please. I called XXXX this morning after i spoke to XXXX federal, They told me that's what XXXX XXXX reported. I turned around and told XXXX how is that possible if XXXX XXXX told me this morning the last time you requested information was XX/XX/XXXX. So here we are and no one not XXXX XXXX nor XXXX what to take responsibility to passing the hot XXXX  and destroying my credit and my life. This has me very very stressed cause now i received a report last week dated XX/XX/XXXX from XXXX and no they have XXXX of the same accounts reporting on my credit file and neither XXXX federal can explain nor XXXX explain and no one want to fix my problem. So what is a person to do but file a complaint and have XXXX federal stop sending multiply reports to XXXX or have XXXX do what they so please to do without any authority from XXXX XXXX, some one has to be held accountable but it is not me. Its not fair and its not legal on what XXXX XXXX and XXXX are doing to my life and nerves and the level of stress is amazing.
Product: Credit reporting or other personal consumer reports

I have mailed a dispute to Equifax, USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XX/XX/2024 at XXXXXXXX XXXX. in XXXX, GA XXXX I have attached mailing attachments below along with the actual letter mailed to Equifax, along with tracking and signature when delivered. I have been disputing account ( s ) with Equifax.

The account ( s ) below are reporting inaccurately according to the XXXX XXXX Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CHILD SUPPORT XXXX VA XXXX In accordance with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$420.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

Equifax I've sent you a series of letters that you have failed to respond too. Instead you've consistently sent me stall letters and not investigate my claims that I strongly dispute. Your stall letters have stated that I verify my identity your sending me the same letters that you've sent me 45 days ago. This has become an ongoing cycle with you Equifax. I recently sent the same letters out again, and once again you sent me more stall letters requesting me to verify my identity when in fact I sent what you asked me too in the last letters. I ask that you investigate the claims that have been sent and provide me a response via mail for my correspondence is being tracked and written to you. You are now knowingly violating my rights under the FCRA, and if you don't take action to investigate my claims I will take legal action as this is unlawful.
Product: Debt collection

Collection placed on my credit I would like it removed I dont know anything about the company
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX XXXX, using Coinbase, I sold all of the shares of the cryptocurrency XXXX  by XXXX  ( Transaction reference code XXXX ). The subtotal for what I received for selling my XXXX  was {$360.00}, with an actual total of {$350.00}, and it was transferred out of XXXX  and to my Coinbase account. 

My Coinbase account was set up with a previous phone number of mine that I no longer have access to, and in order to withdraw the {$350.00} from my Coinbase account and put it into my XXXX XXXX  account, I have to verify my identity with an SMS verification code that can only be sent to this old phone number. I reached out to customer support to verify my identity with pictures of my drivers license and pictures of my face. I was told that it would take only XXXX minutes to verify, and that I would receive an email with the verification results. As of XXXX XXXX on XX/XX/year>, I have not yet received an email to continue the verification process. Online, Coinbase claims a wait time of up to 24 hours ; yet I still have no response. No human can be reached, nothing has been done to help my case no matter how many times I reach out for help, and I can not get my money from them because they will not help me.

I have reached out to customer service, and keep getting put in an endless loop of a robot telling me to wait for a representative, and then the cycle repeating OR they drop my case when the estimated wait time runs out. There is no way I can call a human agent through this service because of the old phone number linked to my account, and the automated service is not handling my case. The conversation below was with their customer service AI. After reading about this exact same issue and mistreatment from numerous other Coinbase users, I decided to file a complaint with the CFPB in order to get Coinbase to handle my case, and allow me to retrieve the money from my account. Included are photos of my drivers license and face in order to prove my identity and ownership of the account.