23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a Discover Card in my name for XXXX years, did not miss any payments. I paid either the minimum or just over it, for years. The company raised my interest rates, and then the amount owed each month, which I could not pay on a fixed income. I tried to have them reduce the amount owed each month back to the original payments, they quadrupled the amount, and won't stop calling me day and night. It is stressing my XXXX XXXX XXXX mother out completely, because they wont stop calling. I have talked to Discover reps several times, and they keep increasing the amount instead of reducing it. Please have them stop harassing me and my XXXX XXXX XXXX mother at our home. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally file a complaint with the Consumer Financial Protection Bureau concerning inaccurate information present on my TransUnion credit report. Despite my initial contact with TransUnion on XX/XX/XXXX, I have not received any response or corrective action to date. The details below outline the inaccuracies that require immediate attention and resolution : 1. Account Verification Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} I am writing to request a thorough verification of the XXXX account 's information, specifically the reported balance of {$440.00}. This balance appears to be significantly higher than what I remember, and I have doubts about its accuracy. Considering that your agency has classified this account as closed and charged-off, it is inappropriate to display a Past Due amount. To resolve this matter, I intend to communicate with the creditor directly. However, until the matter is resolved, I kindly request that you mark this account as disputed to prevent further negative impact on my credit score. Additionally, I urge you to verify and correct the Date Opened, Date of Status, and First Reported details associated with this account. 


2. Account Removal Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} The XXXX account ( Date Opened : XX/XX/XXXX ) is not associated with me in any way, and I formally request its prompt removal from my TransUnion credit report. 


3. Account Removal Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} Similarly, the XXXX account ( Date Opened : XX/XX/XXXX ) is not linked to me, and I formally request its immediate removal from my TransUnion credit report.
Product: Mortgage

I have contacted this company on at least 4 occasions to resolve my concern related to payments not being posted to my account. They continue to tell me I don't have a past due balance, but do not provide me with information about the payments I have made. The statements I have received do not show a transaction history. I have asked to speak to a supervisor - the first time I was told they were not there, the second call I was told they would be there after noon MST and they weren't. Today I was told they would not be back until Monday and to call after XXXX MST on Monday ( it's only XXXX MST ). I have sent the requested information - copies of payments sent. Today I received a letter in the mail saying my account is in arrears and I may be foreclosed on. 
I feel like I have not been able to resolve this and it may be negatively impacting my credit score. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items needs to be removed : XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX  : {$460.00} ; XXXX XXXX  XXXX XXXX  : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$3200.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX {$460.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$3200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX  XXXX XXXX  : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$3200.00} ; XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XX/XX/2022 XXXX
Product: Vehicle loan or lease

I am writing in reference to our auto loan that was bought by this company in XXXX XXXX from a local buy here pay here dealer. We were told that the terms of the contract would remain the same and it was just a transfer. Our loan terms indicate that we make a payment on the XXXX and the XXXX of each month in the amount of {$140.00} ; however XXXX calls us every other week claiming a payment is due. From XXXX to the present date of XXXX XXXX, XXXX we have received over 30 collection calls from them as well as written correspondence. These calls were not warranted and have no merit based on our original contract signed by us. I have called midatlantic twice to request a copy of our terms and contract and was told that it 's the same as whatever I signed with the dealer but they still have not provided me with a copy. The only information we received was them informing us that they bought our loan. If in fact the contract is the same then we should only have payments due on the XXXX and the XXXX and not every other week as they are saying in their collection calls. Additionally we had a 10 day grace period to make payments without any penalty but this has not been honored as their system is not accurately showing our payment due dates. This is predatory and harassing to repeatedly call customers before the payment due date and every single day following. My most recent collection call was received today XXXX/XXXX/XXXX, one day before the payment is due and this has been going on for months now. When I tried to explain to the rep my concern he stated their system was not showing payments were on the XXXX and XXXX and he would get a supervisor to review it. When we purchased from the previous dealer it was with the intent of doing business locally and having the ease of going to an office to make a payment on the XXXX and the XXXX in the amount of {$140.00} ; however with Midatlantic there are not any local offices and in order to pay by convenience there is always a fee associated, ie. XXXX XXXX, XXXX XXXX or credit card payments. They all are attached with additional fees so our payments now range from {$150.00} with a online credit card payment to {$160.00} using XXXX XXXX or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX XXXX was reinserted Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ], they where required to notify me in writing within five business days of any reinsertion, they did not! 

Initially disputed this account it was blocked and removed without verification uoubskkiwed the creditor to re report this account but this time as a charge off which is also a violation of my rights Once you successfully dispute an account and it is removed or blocked, the FCRA [ 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ] requires that : 1. The credit bureau can not reinsert the information unless the creditor provides certified evidence of its accuracy and legitimacy. 
2. The credit bureau must notify you within 5 business days after reinserting the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 
XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX, XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

A company with an Unknown phone number has reached out to 2 of my family members instead of me. 

They claim I owe a credit card from years ago I called once to ask info on this and they preceeded to threaten me by telling me I am being sued and someone will come to my house The company is XXXX XXXX  XXXX and the lady 's name is XXXX XXXX They are all very rude and if they don't like what you have to say they hang up on you its so unproffesional and i will keep on complaining until they get shut down this is ridiculous Thank you
Product: Checking or savings account

Out of the blue the way I owe {$700.00} and I dont even have a clue. 

I had an account that wasnt being used and the ran charges up to {$5000.00} which I didnt authorize and they reversed the charges leaving me close to XXXX XXXX in fees.
Product: Credit reporting or other personal consumer reports

I bought a vehicle on XX/XX/. I already had financing lined up and check in hand from XXXX XXXX. Regardless of this the dealership XXXX XXXX  my credit without my permission and without my knowledge to a lot of other lenders. Both the dealership and I have been trying to rectify this but credit bureau refuses to remove the unauthorized inquiries knowing full well that the unauthorized inquiries were done illegally! And that a letter was sent from dealership explaining this.
Product: Mortgage

We paid off our Citizens Bank home equity loan in XX/XX/XXXX. We paid off our Citizens Bank HELOC in XX/XX/XXXX. Citizens Bank never sent us discharge notices. Citizens Bank never sent us the original notes stamped PAID. Citizens bank never recorded the discharges with the registry of deeds. Now, we are trying to refinance our current HELOC ( which is held by a different bank ), and we are blocked from doing so because the discharges for the previous loans were not recorded.
Product: Mortgage

In XXXX XXXX  XXXX I received storm damage on my home. My insurance company was great and issued a checks to do repairs. I sent the checks I received to my reverse mortgage lender PHH mortgage. I completed all XXXX releases and documents I was required to do. My contractor completed all paperwork and repairs as directed. The contractor is still owed over XXXX that is being held in an escrow account after 3 months of the work being completed. This work was approved and signed off by a PHH inspector. I also had to mail in my depreciation check that I received. These funds were to cover vendors I paid for out of pocket or still owe funds to. PHH confirmed the check was received XXXX XXXX. They advised me if was a 5-7 business days and they would issue a check because it was not for any new work. That timeframe has come and gone by 3 weeks. I have called many many times and now they say the are having IT issues and can not see any of the documents that have been submitted. They are unable to give an answer as to when this issue is going to be resolved. When I called on XXXX XXXX, they told me by XX/XX/XXXX, still nothing. I called the XXXX, the XXXX, and now the XXXX, and still nothing. They told me I would have to wait another week and hopefully this would be resolved. As of now the contractor has no choice but to file a lien, other vendors are threatening collections, and I can not get anywhere with them. I, my insurance, and my contractor have done everything asked of us, they have withheld funds for over 6 months with no clear answer to when they will release them. I have signed a release allowing my contactor 's lawyer pursue additional legal action against them. I am super lucky because my contractor understands I can not control the situation. My contractor is owed {$18000.00}, I am owed {$8800.00} for the depreciation check I sent. My insurance company has sent me a total of {$45000.00} in loss checks. PHH has only issued one check in XX/XX/XXXX in the amount of {$18000.00} to my contractor. They are still holding {$25000.00} even though the work has been complete for 3 months. I don't know what else to do. Please look into them, I call and I can not get any answers. Thank you.
Product: Checking or savings account

I've been a TD customer for 14 years in XXXX and about 10 years in the XXXX. On XX/XX/XXXX I asked TD Bank to close both of my accounts and move all my XXXX money to my XXXX accounts. They said that for some reason they were unable to do this in one phone call, did a wire with one account ( I don't have the confirmation number ), and had some issues and charged me a number of fees unfairly ( details in previous CFPB complaint ). After a CFPB compliant on XX/XX/XXXX, they immediately phoned me, refunded the fees, said that they would close the accounts, and I thought that my accounts were closed and that the money had been sent to XXXX. I was given the wire confirmation number XXXX during a phone call with XXXX from their customer service team on XX/XX/XXXX. I thought we were now in the clear. 

However, in XXXX I got a notification from my XXXX account that I'd been charged a {$24.00} fee. It turned out that despite the wire confirmation from XX/XX/XXXX, my money had not actually been sent to my XXXX account and the account had not been closed. I contacted XXXX XXXX on TD 's customer service team on XX/XX/XXXX to inform him that I called the TD hotline and they said wait times were in excess of 20 minutes, and when I call the TD Cross-Border line and press 1 for english and then 3, it just rings a bunch of times and hangs up. 

I didn't get a further response, and again contacted TD in XXXX when I got yet another {$24.00} fee for low account balance. I finally took the 30 minutes needed to wait on hold for their customer service team, only to be informed that I could be refunded neither of the fees I'd been incorrectly charged since XX/XX/XXXX when I'd been told all my money had been given back to me. I decided to at least get my money out of there, so wired it to XXXX and asked them to close the account. Wire confirmation XXXX. 

After this call I emailed XXXX again ( I feel sorry for the guy but he's the only contact I have within TD, otherwise I have to wait for 30 minutes to even talk to someone ), and someone called me to tell me that I " could get one of the {$24.00} fees refunded, but to do that they'd have to refund me then I'd have to call back in, wait 30 minutes, and then have them wire the {$24.00} and close the account ''. I declined because I don't have 30 minutes to wait on the phone, to get half of the money that was taken from me, when I told them months ago to close my accounts and move my money out. 

This is absolutely crazy. I should just be able to phone TD, tell them I want to close an account, and have them do it immediately with no fees charged and without wasting hours of my time on this. The fact that they're doing this in the middle of an economic crisis and pandemic is even crazier.
Product: Debt collection

I am writing to request validation of the debt you have contacted me about, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication dated [ insert date of the communication ], regarding an alleged debt. 

Please provide me with the following information : XXXX. The amount of the debt. 
XXXX. The name of the creditor to whom the debt is owed. 
XXXX. A copy of the original contract or agreement that demonstrates my obligation to pay this debt. 
XXXX. A complete payment history of the debt, including any fees added. 
XXXX. Proof that you are licensed to collect debts in my state ( if applicable ). 

Until I receive this information, I request that you cease all collection activities and refrain from reporting any negative information regarding this alleged debt to the credit bureaus. 

Please send your response to my address listed above. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, Experian, XXXX, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with Experian, XXXX, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship. 

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7. 

The request the account in question to promptly reflect a " paid as agreed status, '' ensuring the absence of any derogatory remarks such as collections, charge-offs, or late payments, and with no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by XXXX XXXX do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was paid in full. They hired XXXX XXXX  to report to the three major credit bureaus tthat my account is overdue in payments. The history is inaccurate.. This account is paid. XXXX is reporting to XXXX  Equifax and XXXX inaccurate history and status. This account is old and was resolved years ago so now this fraudulent reporting must end. The account is paid and it should say that. It's been years since I paid this .XXXX  The status is inaccurate. Iam attempting to resolve this before taking legal action. This practice is infair and staines my future financially.
Product: Money transfer, virtual currency, or money service

I've had an account with Coinbase for a couple years. On XX/XX/21 I had {$300000.00} on my account at XXXX and at XXXX the account read {$0.00} funds and no record of previous transactions. Most of the cryptos were in a vault where it would be a 2 or three day process to take out the funds even for me. There is also a XXXX authenticator which changes codes every 10 seconds to access the account.

I have been trying to contact Coinbase ever since. There is no Phone support and I've sent at least 20 e-mails and they have not responded. I don't even have a case number for this situation. A few days ago trying to log in to my account it said I was required to change passwords and an e-mail would be sent. No e-mail was ever sent. I've done this many times.

Something is very wrong. I've had to recover my account before and there was no problem
Product: Credit reporting or other personal consumer reports

I purchased a vehicle at a XXXX XXXX  and financed via XXXX XXXX. I authorized them to pull credit one time. They pulled it 3 times in a row and it is negatively effecting my credit. My report shows 3 inquiries all in the same day. I have reached out to the dealership multiple times and they continually say someone in the finance department will get back to me but nobody ever does. All I am asking is that they have this corrected to show only 1 pull of credit and remove the 2 duplicates.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that the following collection agencies are being reported on my credit report.. XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX XXXX..In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away
Product: Credit reporting or other personal consumer reports

Paid XXXX XXXX court for breaking lease at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After bank check was cashed someone sold this paid debt to collection agency. 

I contacted experian and disputed debt they said they would contact company and provide what they said but I never received a response. 

Experian also lists credit length only from legal name change ( 2019 ) instead of from former name which is listed on reports with same social security number.