23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX/XXXX  XXXX not mine XXXX  XXXX XXXX XXXX XXXX XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express written permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX XXXX  nor transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I disputed all negative accounts and inquiries on my credit report with Equifax. On XXXX XXXX, XXXX I received an alert from XXXX XXXX to log on to my account due to changes. I logged on and I noticed that all negative accounts and inquiries was deleted from my credit profile. I printed out that report and highlighted all. On XXXX XXXX, XXXX I decided that I would purchase the Equifax XXXX Solution I looked on the report by Equifax and noticed that all negative was deleted from credit profile. I printed out report and highlighted all. On XXXX XXXX, XXXX I logged back on to Equifax website and noticed that all negative and inquiries that was removed are now back on my credit profile. I was not notified by Equifax for the matter. All I want is those negative accounts and inquiries remove permanently. I know that Equifax was supposed to notify me through email or letter, explaining why these accounts was added back to my credit profile. I have not received anything in the mail nor my email stating why all was added. I will upload all evidence showing my credit report on XXXX XXXX to XXXX XXXX, XXXX. I also highlighted the dates and all items I want off my credit profile immediately.
Product: Credit card

Complaint case number XXXX with Bank of America ( BOA ), totaling {$380.00}. I promptly notified the bank via the app on XX/XX/XXXX of two suspicious transactions, which I confirmed as fraudulent. However, after a few days, the bank notified me that they would not reimburse the costs of these two physical fraudulent transactions. I have informed the bank that on the day of the fraud, I was attending XXXX at school, and the school can verify my presence, confirming that I could not have been at any other retail location. Although the bank claims that their investigation shows card reading, PIN entry, and signature verification, they have not provided me with any documents proving that these transactions were indeed carried out by me. They persist in refusing to reimburse the funds for these two fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I was contacted by XXXX XXXX by phone that my account was delinquent and that I needed to set up a payment plan later that month to avoid my account being charged off and sent to a collection agency. I called back after I was ready to set up a payment plan and after I had made sure I was speaking to someone with XXXX XXXX who was authorized to set up a payment plan. Though I was told that they could not re-age the account, I was given two options : pay a lower amount to settle the debt, or pay in full in installments to be eligible for a new account. I chose the latter, and paid off the debt ahead of schedule in XX/XX/XXXX. In XX/XX/XXXX, I received the application for a new XXXX XXXX XXXX card, completed it, and was approved for a line of credit of {$600.00}. That same month, I disputed the status of the old account as it had never been a charge-off. It was removed briefly with an improvement on all 3 credit bureaus of about XXXX points. A week later, the remark reappeared, and neither XXXX XXXX nor the 3 credit bureaus have been cooperative in permanently removing the remark. My call to XXXX XXXX was routed to 5 different people, only to be told I would have to speak to someone at XXXX XXXX headquarters. XXXX XXXX told me I'd have to talk to the person in XXXX with whom I set up the payment plan, and that they had no ability to check records as their departments aren't connected. XXXX will not provide me with transcripts of the phone calls. This runaround is ridiculous, with one half of the company not knowing what the other is doing. I obviously paid as agreed when I received the new XXXX XXXX XXXX card from a XXXX XXXX XXXX XXXX XXXX XXXX, Utah. I was told XXXX doesn't issue new accounts to a former cardholder whose account was charged off, for several years, which is why I agreed to pay in full. This is causing a severe hardship in obtaining credit for personal and business purposes, which has deprived me of thousands of dollars in lost income. This company isn't " XXXX XXXX '' anymore, and has outsourced jobs to third world countries to save a few bucks. They know you can't get the agreement in writing so they must think that most people will just let it go. I know I'm right, I know XXXX never wrote off my account as " bad debt '', I know that claiming to do so would be considered income tax fraud, and I'm not letting this go until I receive justice.
Product: Checking or savings account

XX/XX/23 Citibank decided to lock my account spontaneously out of nowhere after an attempt to add {$1000.00} to my XXXX XXXX. I tried to log into the app and it prompted me to call a number. Upon calling I was told that my account was being closed and that a check would be mailed after 30-60 days. I asked why and they said they couldnt provide any reason to me. Also they stated they couldnt expedite my remaining account balance payment either. However, I find it rather strange that theyre deciding to close it and not provide me reason. Especially due to the fact that I havent conducted anything fraudulent what so ever. Ive received numerous zelle transfers within the past prior month yes but all legitimate for work-related purposes. Now this morning when I try to submit an XXXX payment to my boss, Im unable to because Citi locked my card and said theyre closing my account. I need my money back now because thats just plain injustice. This is money that is meant to be used for inventory etc as I explained to them, but also that I have urgent upcoming medical procedures which will cost additional as well. This spontaneous closure is very detrimental to me and I dont think they realize it. My boss doesnt have 30-60 days to wait for over {$1000.00} and frankly neither do I. I need this resolved immediately and my account either reopened with my money in it, or a check mailed with my balance pronto if they wont allow me to pick up my funds in person. Please get to the bottom of this. I am extremely desperate and livid.
Product: Credit reporting or other personal consumer reports

This account was paid off XX/XX/year>. Since then XXXX, XXXX and Experian has updated the account as charged off for the month of XX/XX/year>. 
They are not allowed to report a debt as charged off when it has been paid in full. This is a violation of the Fair Credit Reporting Act ( FCRA ) You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... 
XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXXXXXX XXXX ACCT # XXXX ... XXXX XXXX  # XXXX ... XXXXXXXX XXXX ACCT # XXXX ... XXXX ACCT # XXXX ... that are listed on my credit report. 
Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XX/XX/2022, XXXX XX/XX/2022
Product: Debt collection

On XX/XX/year>, I received an email from a debt collector called TrueAccord. I have no contract with this company. They wrote me through email stating, " According to our records, you have an outstanding balance of {$860.00} with XXXX XXXX XXXX XXXX XXXX, but the original creditor is XXXX. '' I sent the debt collector a response on XX/XX/XXXX and XX/XX/year>, I let them know that I was disputing the validity of the alleged debt. I asked them for a copy of a Physical contract/agreement allegedly between TrueAccordXXXX XXXX XXXX XXXX XXXX and XXXX XXXX I let them know to limit all communication to post mail only when they have properly validated the so-called debt, they claim I owe. I never received an initial communication ( dunning letter ) from TrueAccord which means they are in direct violation of 15USC 1692g ( a ) ( b ). I just received an email out the blue, don't know how they got my email address or information. I have sent two letters to them but have not heard anything from this debt collector. The last response from them was on XXXX XXXX, again through email stating, " XXXX XXXX XXXX XXXX XXXX, original XXXX XXXX notified us of an outstanding balance you have with them. They have not provided me with proof of the physical contract/agreement to validate the debt. The account # XXXX, XXXX number is XXXX, the address is XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX.
Product: Debt collection

XXXX XXXX removed {$2500.00} from my savings account from a Wells Fargo credit card debt from XXXX. I am a single mom in between jobs and this was my rent $ $ $ and living money between jobs. They put me in a situation where I do not have rent money, food money, my car payment, and gas money to get to work. They removed money from my savings account after the stimulus was paid, and I received it back for the same reason. I put money in my savings in order to set it aside for rent/car/daughters tuition/etc. The debt came after a medical emergency and i plan on paying back but need this money back ASAP.
Product: Checking or savings account

I lost my job last XXXX, it was extremely rough and all of a sudden I had difficulties paying bills. 

Well since then, Bank of America have charged me over {$1000.00} in overdraft fees. 


Most of these overdrafts only occurred because their app showed that my balance was higher than it really was. For example, if I were to make a payment it would be deemed processing, and therefore would not be taken out of my account total, leading me to believe I had enough money to cover purchases upon checking. 

I brought up how unfair this was many time to BOA and was told time and time again well, youve already had 3 fees removed so the fees stand. 

The hardest hitting month was XXXX, when forgiveness and giving are the rage of the season. Boy did they give me something, {$470.00} in fees. Bye bye XXXX presents. Food? Heat? 


Worst bank ever.
Product: Money transfer, virtual currency, or money service

I have been verified on coinbase.com for weeks and have been able to buy and transfer money to the website. I now wish to sell some of my digital currency but coinbase is asking me to verify information. I do so and i get an error saying I can not be verified. This effectively locks me out of my money even though I have already been verified. Now coinbase is failing to respond to emails and I am not alone in this issue.
Product: Mortgage

On XXXX I started working with XXXX XXXX for a loan on XXXX XXXX XXXX XXXX, VA. XXXX told me I would need to pay {$620.00} for an appraisal and I did. 
Since then my real estate agent and I have been asking what is holding up the loan for almost a month and XXXX keep stating she is waiting on the appraisal. Every time we called since XXXX we have been asking how is the appraisal going? Her reply was the same, I am waiting on the appraisal. 

On Thursday XXXX, the Vice President of the XXXX  XXXX Office or Cardinal Financial and XXXX XXXX XXXX XXXX XXXX XXXX called me. I requested that my real estate agent, XXXX XXXX be on the phone with us so he did a three way call. He said to XXXX and I that even though the loan was approved the real reason it is not ready to close is because and I quote : I can not find a buyer for you loan after we close it I explained that was not my fault and the very next day Friday XXXX XXXX sent me an E-mail stating : We are still waiting on appraiser to complete his report. I sent her an E-mail at XXXX on XXXX stating I dont need her appraisal. Then on XXXX at XXXX or XXXX XXXX, she sends me the appraisal and I told her XXXX XXXX has to do their own appraisal and I cant use this. 

On XXXX I sought a Mortgage with XXXX XXXX  in XXXX, Virginia. The loan office XXXX XXXX asked why is it taking so long with Cardinal Financial to close a loan. I told him that XXXX husband and Vice President of Cardinal Financial XXXX  XXXX office told me he could not find a buyer for my loan. Mr. XXXX said he will only take around three weeks to close my loan with XXXX XXXX  and that XXXX XXXX  XXXX  will keep the loan. 

Since the Vice President of Cardinal Financial, XXXX XXXX said he could not close the loan because he could not find another Financial Institute that would buy my mortgage that I am should not be held responsible to pay for an appraisal that I nor XXXX XXXX  can use because XXXX XXXX  said they have to do their own appraisal. I should not have to pay for a service that I am not getting due to the inability of Cardinal Financials issue of finding a buyer for my approved loan. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute multiple inaccurate items appearing on my credit report that do not belong to me. These items include collections, charge-offs, and unauthorized hard inquiries that are damaging my credit profile. Below are the details of the accounts and inquiries in question : Collections/Charge-Offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Desired Resolution : I request a thorough investigation into the above-listed items. If the creditors or financial institutions can not provide valid and verifiable proof of my authorization or ownership of these accounts and inquiries, I ask that they be immediately deleted and removed from my credit report. 

These inaccuracies have caused undue harm to my creditworthiness, and I expect this matter to be addressed with urgency and fairness.
Product: Student loan

I have communicated with Nelnet regarding a loan for XXXX XXXX XXXX in XXXX which this loan was a student loan, but somehow it turned to a commercial student loan, as high {$10000.00}. Im unaware of signing for a commercial loan or applying for a commercial loan. I received a call from a Nelnet representative in XXXX XXXXXXXX regarding repayments. I informed the representative that payments were on hold per president, Joe Biden order. I was then told I had a commercial loan, after his statement, I told him I have a student loan. Nothing was presented to me after I disputed his statement, the representative laughed and stated, your loan is not on hold and you do have to pay. Late payments were submitted to the credit bureaus without presenting me any information. Im not going to pay for something and unsure of my liability for that commercial loan. The information Ive received appears to be fraudulent because the school that they have listed ( ie, XXXX, XXXX XXXX ), I have never attended.
Product: Credit card or prepaid card

On XX/XX/2019, I received a refund from paypal that was sent back to a debit card with XXXX XXXX. ( An account which I had closed prior to this transaction ) not knowing that I was receiving said return. The amount was XXXX. On XX/XX/2019 at XXXX XXXX XXXX XXXX issued the XXXX back to PayPal because the XXXX XXXX Account that I had with them was closed. 
Paypal is refusing to return my money to my Paypal balance, and is claiming that they do not have the money XXXX XXXX sent back to them. 
Ive called and even 3 way called both financial institutions and nobody is claiming that they have the money. Ive tried numerous times to remedy this situation, but I have been unsuccessful in doing so. 
Id like this company to step in and see where my money is, and make either financial institution issue my funds immediately. 
Thank you for your time regarding this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX fico  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX  say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Money transfer, virtual currency, or money service

I opened a Gemini account of XX/XX/11 depositing {$1000.00} into my wallet. The problem is that I have not been verified. I have sent the company 3-4 emails regarding my verification but have only gotten automated responses. 
After review of various forms some people have not been verified for months/years. After submitting a request to the CFPB they were verified same day.
Product: Debt collection

This account from national credit adjusters is reporting incorrect information on all three credit bureaus XXXX, XXXX  and XXXX. This incorrect information is stopping me from getting a mortgage.