23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I made two regular mortgage payments which would pay my XXXX and XX/XX/XXXX payments. This payments were incorrectly posted as a principal reduction. I called to have this reversed and reapplied. When this was completed, the bank failed to effective date the transaction of XX/XX/XXXX. Therefore, not only is my interest accrual wrong but my tax statements as well. I have called three times to have this corrected to no avail. My current tax statements show I have paid interest in XX/XX/XXXXwhen in fact, I have not paid any principal or interest in XXXX. When I spoke with a woman named XXXX today, she advised me that there was nothing to correct because I paid the interest in XX/XX/XXXXand they can only report interest for a 12 month period. This is simply not true as it was paid in XXXX. I need these payments corrected with the proper posting date ; we all know interest accrues daily on mortgages so this is deceptive to the consumer. I also need my tax statements corrected.
Product: Credit reporting or other personal consumer reports

Equifax literally ignored my ftc report proving these items were fraudulent added onto my account they literally told me the next day it was verified when I literally have proven and provided proof of fraudulent activity and they still leave things on my credit report i should sue these bureas with are well within my rights this is not a investigation they totally disregard my ftc report and leave everything as verified when its clearly fraudulent please remove
Product: Debt collection

XXXX/XXXX/2018 SRA Associates called my place of employment at XXXX. I work at a call center and not allowed to accept calls that are personal. They call and hang up. Need help in getting them to stop calling my place of employment.
Product: Credit reporting or other personal consumer reports

I have called GM Financial ( XXXX ) XXXX multiple times and get transferred to multiple departments and no one at GM Financial can seem to locate this erroneous duplicate account XXXX XXXXXXXX or send me proof, that they are showing on my credit reports. 

It is very frustrating that no one at GM Financial can even locate this information for me and furthermore delete this error. Again, I only had one loan with GM Financial and it was paid in full and closed. That was account XXXX XXXXXXXX in the amount of {$17000.00} and paid in full. I have no idea where this duplicate erroneous account XXXX XXXX originated or who opened this account without my signature or knowledge. It is obviously an error/duplicate and needs to be removed from all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried getting my student loans removed from my account, student loans according to title 15 they do not have permission to report my personal info. That's breaking the privacy law {$1000.00} violation FCDPA says a consumer can't owe a debt. If the law is here to protect me how can they ( CRA 'S ) keep violating a consumer??? 
15usc1681b no permissible purpose I need the documents that were physically signed in wet ink. 
It holds no value if it wasn't signed. Technically I never signed with AIDVANTAGE or know who they are. It is considered fraud unless they provide all original documents. 
After signing, 180 days following the loan is paid off which is a surety bond. 
Electric signature means the debt is not owed. PROOF OF DOCUMENTATION is a wet ink signature. THEY have to provide original letter of indebtness or remove. Proof of promissory note is the verification of owing the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting Act XXXX Accounts listed as followed 1. XXXX XXXX  XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX 3. XXXXXXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX, XX/XX/XXXX 6. XXXX XXXX XXXX, XX/XX/XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency Can not furnish a account without my written inst
ructions.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX- Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I was aware of a item on my credit report that's doesn't belong to me, I contact the collection company and ask them to provide me some proof that it belong to me and all they send is my name printed on paper with a address on there. this item on my credit file doesn't belong to me and the collection company won't investigate or remove it from my report.Can CFPB help me getting this false information remove from my report.
Product: Money transfer, virtual currency, or money service

Based in XXXX, I have had an account with coinbase, I have used it to purchase cryptocurrency up to now. 
About three weeks ago the account blocked me from trading, buying or selling bitcoin and ether, it erased my payment methods saying that I need to add another credit debit card but it wont allow me to add a card. ( Tried all three of my cards ) I have tried many times to contact them and written to coinbase via their customer service but it just goes around and around in circles. 
I have over {$6000.00} US dollars stuck in a portfolio in this account, my life savings and I really dont know what to do. 
I have another XXXX account that works perfectly without issue. 
Please can someone help me to retrieve my funds blocked in my coinbase portfollio
Product: Debt collection

This collection agency reported on my credit report while other collection agencies are trying to collect the same medical debt. My employment offered XXXX health insurance and I went to be seen at the ER and used the insurance. I was not aware that I was billed for the services and waited to see if my employment was taking care of it. The contract ended and then I received several notices from ( XXXX ) different collection agencies about this. I received a letter stating that I had ( XXXX ) days to dispute the account. I sent ( XXXX ) letters off, certified mail, to a XXXX Solutions and a law office by the name of XXXX XXXX XXXX. I do have the tracking numbers for both letters and they were picked up before the ( XXXX ) day mark. XXXX XXXX XXXX returned my letter, stating that I had to sign the letter and would n't validate the information as I typed the letter. There is no law that states that the time halts when a collection agency refuses to send the info. I check my credit report and XXXX is reporting this account now. It is a fresh report as this was not on my credit a few days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated XXXX of my federally protected rights by committing identity theft and pursuant to 15 USC 1681b ( 2 ) for furnishing my consumer report with no written consent from me. Equifax also violated the following federally protected rights and I sent Equifax an identity theft report, a notarized affidavit of truth with an invoice attached for {$5000.00} for the following violations. 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( 3 ) 15 USC 1681b ( 2 ) I requested a block pursuant to 15 USC 1681c-2 on XX/XX/2021 and Equifax has willfully violated my Federally protected rights and is Liable to me the sum of {$10000.00} for defamation of character and {$5000.00} anxiety caused as a result of the willful and negligent noncompliance of Equifax under the FCRA.
Product: Checking or savings account

This is regarding My business account with KEY BANK XX/XX/XXXX received a letter stating they will close my account beginning from XX/XX/XXXXand totally by XX/XX/XXXX- they gave me a reason of closing account of " the reason for closure is that your account relationship poses excessive risk to the bank. '' My background is from XXXXXXXX XXXX. I have tried to talk to the compliance department and giving all of my paperwork that they need to leave account open. When i go to the branch and make deposits I get that notion that they do n't want me there, and one day when i was at the branch I heard in the back someone said they do n't need my kind there. Now i could of return to them and said stuff back at them out of anger. But i left and that 's when i have gotten the letter in the mail of account closure. That is clearly against my right. to have been treated like that.
Product: Credit reporting or other personal consumer reports

i have asked XXXX, XXXX AND EXPERIAN to provide proof of the late payments that are currently reporting on my current credit reporting. i have never been late as a matter of fact all my payments comes out automatically ACH from my checking account. i have reached out to the creditors as well and they keep telling me that they will investagate the issue, however they never get back with me as well.
Product: Debt collection

I received a notice via US mail from this company called XXXX. Among opening the mail. I noticed there was no account number that was linked to my name. There was no statement to inform me that it was attempt to collect a debt. All was on the letter stating that I missed 3 re-payment installments. A late fee will be assessed on these installments. 
On the letter it listed the installment dates for payment. It did stated that I could call XXXX to complete payment. 

In closing the letter the company put, In case if I fail to make the payment by the due date you may be reported to the credit bureaus. 

I have attached the letter below.
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to address some of the fraudulent items in my credit file attributed to an alleged identity theft. However, there are still remaining items that require removal. As mandated by law 605b of the FCRA, I am submitting this complaint along with my new FTC reports # XXXX and # XXXX. Failure to remove the following items, which are reporting inaccurately due to identity theft, will compel me to involve my attorney and pursue legal action. It is my sincere intention to avoid such measures, and I urge you to adhere to the law. Please proceed with the removal of the following fraudulent items, which were opened without my consent or knowledge : TRANSUNION : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXXXXXX Balance Owed : {$8400.00} XXXX XXXXXXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX  XX/XX/year>. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items that bear my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please be aware that you have four business days to remove the reporting of any items in my credit file resulting from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information w
as mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I recently rolled over a federal student loan from XXXX XXXX to XXXX XXXX. SoFi overpaid that loan by more than {$800.00}. XXXX claims they issued a refund of the overpayment to SoFi in XX/XX/XXXX. Despite requests, SoFi has not posted that money to my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of companies below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX : XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 section 2 A states that I have a right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) 5 states : No consumer reporting agency may make any consumer report containing any following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 USC 1681 s-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 or other personal consumer reports

I need to get a collection an the inquiries off my XXXX  account that i never authorized.
Product: Vehicle loan or lease

I am the co-applicant of a vehicle purchased. The applicant filed Chapter XXXX Bankruptcy. My issue is : 1. ) I have been refused any statements 2. ) I can not review online records of the loan activity ; therefore, I am unable to confirm or determine the validity of their financial records 3. ) payments are being reported on my credit bureau that are not 30days delinquent based on the terms of the loan.

4. ) Credit reporting on information that is not available Is this not a direct violation of Chapter XXXX Bankruptcy automatic stay? If not, it is a violation of my consumer rights to have information readily accessible. 
Per FCRA " Notice violations under the FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA. a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision based upon your credit report. ''
Product: Checking or savings account

I didnt have access to my government child tax stimulus for two months. The bank has a used there policies on overdrafts in a excessive way to such a extreme they even used my stimimulus payments to pay themselves for the fees. i cant just let them get away with this. Its not just one two three four or five overdrafts NOPE bank of the west has given me 32 over drafts charges in the last year and most of them were within the last 6 months. They have charged me over {$1200.00} in bank fees. Iam a single mom of a XXXX child with no income i cant afford this type of abuse of power in my financial accounts. Then they took my stimulus payments 2 months in a row to pay their overdrafts 2 months after the first stimulus was taken for overdrafts they refunded me the XXXX through a check but this last XXXX from the government they kept a big chunk of it i only saw about XXXX bucks of it the rest went to their stimulus.
Product: Debt collection

I am reporting that my personal identifying information was used without my authorization, resulting in fraudulent accounts, inquiries, and negative entries being placed on my credit reports. I did not open or authorize the use of my information for the listed accounts, collections, or inquiries that are negatively affecting my credit profile. These inaccuracies have caused financial harm and do not reflect accounts or activities initiated or authorized by me. I am requesting that all items associated with the fraudulent activity be blocked and permanently removed from my consumer reports under FCRA Section 605B.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint to address an unresolved issue with Experian regarding a fraudulent account listed on my credit report. The account in question, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), does not belong to me. I did not authorize or provide authorization, nor did I provide written consent for it to appear on my credit report. This account is the result of identity theft, and to substantiate my claim, I have provided a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ), a copy of my dispute letter with the fraudulent account, and proof of my identity, and address including supporting documents. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), Experian is required to block the fraudulent account within four business days of receiving my Identity Theft Report, verifying my identity and to notify the furnisher of the fraudulent account of the block. However, Experian has failed to take these necessary steps to remove this fraudulent account from my credit report, resulting in ongoing harm to my creditworthiness.
Product: Debt collection

I have tried speaking with a member of management and they refused to transfer me to management. I called on XX/XX/20 and asked about a settlement and said the account did not qualify for a settlement. They are extremely rude and told me that they will document the account as " refusal to pay. '' I am not refusing to pay, I just want to speak with a human being that is not rude. The tone of voice they use offensive and that of a negative person.
Product: Credit reporting or other personal consumer reports

My checking accounts were hacked in XXXX. My bank ensured that all the checks that were cut before the hack took place were paid. My credit score dropped over XXXX points and my XXXX XXXX XXXXXXXX  credit card in particular went down to a {$250.00} available credit balance. I run a business and use my XXXXXXXX XXXX XXXX a lot and this is a huge inconvenience ( especially when I didn't do anything wrong ). My credit report does not show that a missed payment was made to any of my credit card but for my XXXX XXXX, but I have handled this with XXXX directly. I'm more concerned about how I get my credit card back to the available credit I had before my credit was compromised. The bank and XXXXXXXX XXXX XXXX told me to reach out to the credit bureaus which is what I think I am doing by contacting you. Thank you and I appreciate any help you can assist with regarding this matter. XXXX XXXX.
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. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute to Equifax regarding inaccuracies on my credit report. I have proof of their receipt of this dispute through XXXX XXXX. Since then, Equifax has failed to complete the investigation within the legally mandated timeline under the Fair Credit Reporting Act ( FCRA ), while providing inconsistent and contradictory responses to my dispute. Here is a detailed summary of events : XX/XX/year> Response : Equifax claimed that the documents I submitted were illegible. They requested that I resubmit my identity documents, which I promptly did. 

Previous Responses from XX/XX/year> : On XX/XX/year>, in response to a previous dispute I submitted, Equifax claimed they were unable to locate my credit file using the identification information I provided. 

However, on XX/XX/year>, just XXXX days later, Equifax stated that my identity documents did not match the information on my credit file. This directly contradicts their XX/XX/XXXX response, as they would need to locate my credit file to make such a determination. 

These responses from XXXX, combined with the XXXX response, highlight a pattern of contradictory and inconsistent communication. XXXX actions fail to demonstrate the " reasonable investigation '' required under FCRA Section 611 ( 15 U.S.C. 1681i ). Moreover, their inability to provide clear and consistent responses undermines my ability to resolve this dispute and calls into question their compliance with FCRA requirements. 

How This Has Affected Me : XXXX repeated delays and conflicting responses have caused : Harm to my credit reputation. 
Difficulty obtaining credit approvals. 
Emotional distress and financial uncertainty due to the unresolved inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3000.00}