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

TransUnion, XXXX, & XXXX continue to report incorrect information listed on the account XXXX XXXX Account # XXXX. There are several late payments listed that are different from each consumer agency. Neither consumer agency provided evidence that supports their claim and I do not care who is right and who is wrong I do know reasonable efforts must be made to investigate the accuracy of all information. 

TransUnion is reporting late payments for XX/XX/XXXX and XXXX + XX/XX/XXXX XXXX is reporting late payment for XX/XX/XXXX through XXXX to XXXX of XXXX XXXX is reporting late payments for XX/XX/XXXX and XXXX + XX/XX/XXXX. 

This account can not report this way and each consumer agency failed to provide accuracy which has caused me harm. I would like the evidence that they obtained to prove this information is correct. 

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card or prepaid card

Discover closed my account for absolutely no reason at all. Im a long time customer ( 6 years ) never been late, wasnt maxed out ( only at 30 % ) and I dont have negatives on my credit report. Their letter when closing my account stated we are no longer able to meet your service needs. No real explanation, and no help when I called to ask why. Said there is nothing they can do. This hugely effects my credit negatively as I have limited credit, and did absolutely nothing to deserve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 we received a letter from XXXX XXXX that we have been approved for XXXX  XXXX XXXX when we come out of forbearance. We received paperwork from XXXX XXXX stating to sign and return paperwork. We sent the signed paperwork back immediately in the XXXX  envelope they asked us to use. On XX/XX/2022 we received paperwork stating our loan has been transferred to XXXX XXXX  from XXXX XXXX. When it was time to make payment I had to call XXXX and make the payment because I was unable to make it online. A female from XXXX said your paperwork is in process and I can take the payment over the phone. I paid over the phone and customer service said I will escalate this issue. Next month came and tried to log-in for my loan to pay and could not. I called customer service and she said this issue has been escalated and just give us time. We are behind in processing paperwork, but I will take your payment over the phone. XX/XX/2022 I received a letter from XXXX stating we have defaulted on the loan and please contact us right away and email XXXX for questions. I emailed that person on XX/XX/XXXX at XXXX and never received a response. I called XXXX XX/XX/2022 in the morning and spoke to XXXX and he ensured me it was paperwork issue and be patient. I continued to make payments. In XXXX our credit took a hit from XXXX stating we were over 120 days late. I called again and spoke with XXXX and she first was trying to say that XXXX was not wrong about reporting us to the credit agency. Then she said hold read the file and said wow your paperwork is still in transit from XXXX. I am going to escalate this to my supervisor this is our issue and I will call you back by the end of the week. I never received one call from XXXX. I called again and spoke to a gentleman on XX/XX/XXXX because I never heard from XXXX. The gentleman stated they are working on the issue and I do not have to call back so many times. On XX/XX/2022 I received a letter from XXXX a notice of intent and I called an spoke to XXXX on XX/XX/2022. She said the issue is escalated and because we are in this stage she could not take payment from me. I told her I never received any statements and only receiving late letters. She emailed my statements from XX/XX/2022 to current on XX/XX/2022. She advised me to fill out Mortgage Assistance Application and email it to XXXX to start another process. She said loss mitigation has declined my claim that I was never late for a payment. They did not consider the issues I had work mailing the first set of paperwork and all the calling in I did. I emailed what was asked for on XX/XX/2022 and no response from XXXX as of today. On XX/XX/2022 I finally received XXXX XXXX XXXX paperwork sent to me again from XXXX to resign and mail in with the XXXX envelope provided. I did it again. I have not heard from XXXX at all unless it is threatening letters stating my house can be foreclosed on.
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my previous complaint dated XX/XX/2023, expressing my concern regarding certain accounts listed below. As reiterated in my initial complaint, I have no transaction history associated with the accounts mentioned, and I kindly request your assistance in promptly removing these accounts, along with any incorrect information, from my personal profile. The listed items are as follows : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX EQUIFAX : XXXX XXXX XXXX XXXX  XXXX Account Balance {$0.00}. I emphasize my adherence to the law and kindly request that you ensure the removal of these inaccurate accounts. I anticipate an updated result within the next 15 days for my credit report update. I trust that this matter will be addressed promptly to avoid any further inconvenience. To facilitate the process, I am providing additional verification documents, including my Bank Statements, Drivers License, and SS ID, all confirming my sole address. Additionally, I am re-attaching a copy of the identity theft report ( FTC report # : XXXX ) for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries without my permission, derogatory report is inaccurate, late payment by XXXX XXXX is incorrect.
Product: Checking or savings account

I had overdraft protection but they charged me XXXX dallars each time if i over drew into my market rate savings acvount and i was told no fee cuz i have over protection alsp other problems they charged for
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting or other personal consumer reports

Experian CONTINUES TO REPORT INACCURATE DATA ON MY CREDIT PROFILE DESPITE MULTIPLE LETTERS IVE ALSO PROVIDED EXPERIAN WITH PROOF OF MY CURRENT ADDRESS DUE TO THIS ISSUE I HAVE FILED A ACTIVE FTC REPORT FOR THE MISS USE OF MY DATA. BY FEDERAL LAW IT REQUIRES EXPERIAN TO REMOVED ANY AND ALL INACCURATE DATA OFF MY CREDIT PROFILE WITHIN 4 DAY THEY HAVE NOW EXCEEDED THAT TIME FRAME. ILL PROVIDE A ACTIVE FTC REPORT REGARDING THESE FRAUDULENT ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Experian and XXXX. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXX XXXX XXXX  Date Opened XX/XX/2017 Balance {$7900.00}
Product: Credit reporting or other personal consumer reports

Charge off as of XX/XX/2023 This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, income does not get reported on the consumer report, which in fact makes reporting of this account inaccurate! 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( CAPITAL ONE ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency.
Product: Mortgage

I defaulted on my mortgage solely as a result of losing income from COVID-19 economic chaos and closing of my employer business in XXXX. I have worked out the settlement with the second mortgage and requested first mortgage BofA to assist. In reviewing my documents I discovered that my original note from XX/XX/XXXX was adjustable rate mortgage with 1-year treasury index plus 3.275 % ; It appear that BofA acquired this mortgage from Countrywide and they have been over charging me for the interest since XXXX. They are also unwilling to offer post-COVID pandemic relief to us. For example rate for XX/XX/XXXX is 7.00 % while 1-year index is below 1 %.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report inaccurate information that is causing identity theft issues and me to be denied credit since their information does not reflect what is accurate. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, TX XXXX there should be no variations of my name nor any other addresses listed on my consumer report. I have provided documentation to prove my identity and my lawful residency.
Product: Money transfer, virtual currency, or money service

I made a {$1000.00} ACH deposit made on XXXX XXXX XXXX, which is being held indefinitely as " Pending '' by Coinbase although the withdrawal has already cleared my banking institution. Many other customers have reported online that Coinbase holds their deposited or withdrawn funds for 10-30 days before release or not at all. 

Coinbase 's website states deposits are either instant via credit/debit or take 3-5 days via ACH, although this is often not the case. Coinbase uses an automated bot to address concerns or complaints on their website, and emails from a live representative are not returned to address concerns. 

I have requested a response about my pending funds via email from Coinbase and have received no response as to what the problem is or a solution to the problem. The delay or failure in processing these transactions as expected, and as noted in the time stated on their website, will cause personal financial distress as I am not able to retrieve my funds in a time frame that they have stated, and in which I would expect. 

I 'm requesting an investigation into Coinbase 's banking and transaction processes, as they require a user 's SSN, a photo copy of ID, and personal residential information to use their services.
Product: Credit reporting or other personal consumer reports

15USC 169 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Unfair. Fix the account number and send a full report. 
XXXX XXXX :, Unfair. Fix the account number and send a full report. 
XXXX XXXX :, Unfair. Fix the account number and send a full report. 
XXXX :, Unfair. Fix the account number and send a full report. 
XXXX :, Unfair. Fix the account number and send a full report. 
XXXX XXXX ( Original XXXX PROGRESSIVE ) :, Unfair. Fix the account number and send a full report. 
XXXX XXXX XXXX XXXX, Unfair. Fix the account number and send a full report. 
XXXX :, Unfair. Fix the account number and send a full report. 
XXXX XXXX :, Unfair. Fix the account number and send a full report. 
XXXX XXXX :, Unfair. Fix the account number and send a full report. 
XXXX XXXX :, Unfair. Fix the account number and send a full report. 

I understand the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance with FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent I asked you to delete anything that is not XXXX percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, updating the other accounts is an admission of guilt and a direct violation of my rights to a fair investigation. You stated it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance with Section 611 due to the inconsistencies coming after my original request for investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Product: Money transfer, virtual currency, or money service

PayPal is locking my wife out of her money and telling us that it will take 6 months to get it. This was the 1st and last time she will be using PayPal On the XX/XX/2020her Aunt send her {$150.00} for her Birthday and to help out the family during this time She receivedd the money in PayPal and they ask for my wife to send her Id in and she did but then they just locked her account and told she could no longer use PayPal no real reason but they will not release the money or refund it back to Her Aunt. Now here is the kicker we are not the only one. PayPal has locked out Thousands of People from their account and their money for no reason some have been using PayPal for years. PayPal is using XXXX and and XXXX to talk with People and if you say something they don't like they will delete your comment, but still they is thousands of comment telling the same story over and over " PayPal is holding my money and locked my account. Many of these People need that their money are like myself we are not working and friends and family are help them out only to have PayPal steal their funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Credit Reporting Agency I am writing in regards to my account with your institution. On a previous occasion, I requested proof of 24 late payments that were reported to consumer reporting agencies, despite my assertion that I was never late on payments for this account. This request was made in accordance with my rights under the Fair Credit Reporting Act.

In response to this request, I received a response via the Consumer Financial Protection Bureau ( CFPB ) that did not provide the requested documentation to support the reported late payments. As such, I am demanding the immediate removal of all associated late payments from my account.

As I have previously stated, I have never been late on payments for this account, and I believe that these late payments have been reported in error. I trust that you will conduct a thorough investigation and promptly correct any inaccuracies in my credit report.

I would also like to request that you provide me with documentation showing the removal of the associated late payments from my credit report in accordance with 15 U.S. Code 1681i ( d ). It is my understanding that any person who has received a consumer report containing the deleted or disputed information within two years for employment purposes, or within six months for any other purpose, should be notified of the deletion.

Thank you for your prompt attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally regarding late payments on my credit report. Upon examination of my records, I discovered these late payment entries. Despite sending correspondence about this issue more than XXXX  days ago, I have not received any response, nor have I been provided with adequate validation. I request your assistance in addressing this matter swiftly and effectively.
Product: Debt collection

I received a statement from a third party regarding a refund amount from a Citi Bank class action lawsuit. When I called the number, they told me the credit had been issued to the party owning my debt. I consulted my bank and we went back to XX/XX/2012 and found a check written for {$3300.00}, which I believe was the pay off amount for the card. 

Every number I call seems to be sending me off in a direction that won't help to resolve the issue. The last of the 10 calls I made to Citi Bank, the rep said she was unable to pull up any account info for me and gave me a n umber to call. When I called that number, it appears to be a credit collection company. 

I also consulted my credit monitoring service and they said there was no bad debt on my credit report relating to Citi Bank. 

If this is a scam, it is very well orchestrated. 

I would appreciate any help in letting me know how to proceed with this issue. 

Thanks
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of urgent concern regarding XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX that have appeared on my credit report. To my dismay, I have no prior knowledge of these accounts until they were posted on my credit report. This has come as a complete surprise to me and has caused significant distress. As someone who has been diligently working to build and maintain a positive credit history, the inclusion of these accounts without proper investigation and evidence of their validity is deeply troubling. Not only does it damage my current credit standing, but it also undermines my efforts to secure financial stability. I demand an explanation as to why these accounts are appearing on my credit report, as well as proof that they rightfully belong to me. Without this information, I am left in a precarious position with potential repercussions for my financial future.
Product: Checking or savings account

Wells Fargo froze my money and closed my account and will give me no further info. 
This has happened XXXX different times now
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 
TD BANK NA XXXX Date opened XX/XX/2012 Balance -- // Late Close
Product: Credit card

Hi. So I noticed that I've been paying for fees like cash advances that I don't use with my avant credit card. When I called to complain about this, I get the supervisor and all of a sudden their having technical issues and phones breaking up. When i call back it says their closed. I paid them a {$1000.00} and the balance showing is XXXX. When asked about this they won't give me a straight answer. When asked why I'm charged for cash advance fees when I don't use it they say they have to look into it. Then they place me on hold and the phone goes bad. I've been calling for 3 days now. I'm tired of being cheated and over charged. 

I noticed they were sued by the FTC for cheating consumers
Product: Prepaid card

I am XXXX years of age and I think the people that is working was very rude and hung up on me several times and they also made me send in my birth certificate and I'd and XXXX and still wouldn't it set my card up so I can pay my daughter bills she about to be put out for none sence that's going on with your staff and also they made me go to the XXXX place to show I'd I did and still not letting me set my card up that's not fair my XXXX daughter shouldn't have to go with out something need to be done about it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thanks to ever if u can't reach me by the XXXX you can call my daughter phone XXXX
Product: Consumer Loan

In XX/XX/XXXX My wife had dental work done at XXXX XXXX. The total work cost {$1100.00} and they charged it to a Care Credit Card in my name, card # XXXX XXXX XXXX XXXX. It was a 6 month no interest if paid in 6 months. Care Credit is now Synchrony BankI paid each month as required as follows : Pmt. # XXXX Date XXXX Amt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total paid was {$1000.00} and as soon as I realized I made an error I called and talked to a lady there and told her my problem. 
I have had many health problems lately, including a XXXX because I was XXXX from low XXXX XXXX. I had to have my XXXX because of XXXX and I also had XXXX XXXX at the same time and had to have the XXXX removed also. The I had months of XXXX XXXX which cost me over XXXX of my XXXX. Needless to say my mind was not 100 %. I new I had to pay the {$420.00} but some how I only paid the {$300.00}. 

I then received a phone call demanding I send them {$1300.00} or they ( insinuated ) they would ruin my credit. Not wanting any problems I sent them the {$1300.00} I sent them XXXX registered letters and received no beneficial replies. Why the {$1300.00}? Nothing adds up except my loss. Even the 26.99 % interest does not add up. They sent me a check # XXXX for {$120.00} dated XXXX. Why? I have not cashed it!! 

Please help me if you can! 
XXXX XXXX