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

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit card or prepaid card

I received a debit card from TD Bank today that I did not apply for. I called them and alerted them to that fact and they said they would refer my case to their fraud team to investigate. The person I spoke to said I should contact several website including the FTC who referred me to this website.
Product: Money transfer, virtual currency, or money service

My only goal in filing this complaint is to get Coinbase to respond to me and help me gain access to my account again.

Here is the problem simply stated : When switching to a new phone, the two-factor authentication stopped working. When trying to sign in to Coinbase, XXXX XXXX provides 8 numbers and Coinbase only allows me to enter 6. I can't be the only one with this issue. 

They do not have a support phone number to call, nor respond to any messages or support tickets. Please see the attached filled with automated responses and promises of specialists reaching out. 

For months now, I have not been able to access a significant portion of my savings. 

If you can get them to respond to me, that would be so incredibly appreciated.
Product: Debt collection

I can not afford to pay such a large amount. I do n't recall the details of this debt. A more reasonable amount and better explanation of the details of this debt would help me to understand and/or pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately 1 of 2 XXXX XXXX XXXXXXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Bank account or service

This complaint is related to complaint XXXX against Bank of America. This prior complaint was closed without proper resolution. On XX/XX/2016 I faxed all information requested by Bank of America to Bank of America. On XX/XX/2016, I followed up with Bank of America via fax ( Since I do not have a phone contact ). I have heard nothing from Bank of America. 

I am requesting the funds in my late sister 's bank accounts ( checking and savings ) up to the cost of her funeral ( Which I paid for ) in accordance with Illinois state law and the Illinois Affidavit of Small Estate. I am requesting the balance of her account including any fees and ach 's, etc paid out from her account, either to BOA or to creditors up to the amount of the funeral expenses that I paid for {$3600.00}.
Product: Debt collection

I DO NOT OWE MIDWEST FIDELITY A XXXX. This is some crooked attorney that thinks he can add WHATEVER HE WANTS AND TURN IT OVER TO A DEBT COLLECTOR. I will NEVER PAY THIS AND THIS HAD NEVER BEEN OWNED BY MIDWEST FIDELITY. This needs to be TAKEN OFF MY CREDIT REPORT BEFORE I GET AN ATTORNEY AND HAVE THIS GO INTO A COURT ROOM. 
XXXX XXXX This is fraudulent and unacceptable. This was supposed to be done a year ago.
Product: Credit card

I conducted a balance transfer from a Capital One credit card to a XXXX Bank credit card. XXXX Bank transferred the full balance of {$600.00}, but Capital One only credited me with {$500.00}. XXXX Bank sent me an image of the check which is clearly in the amount of {$600.00}. The check was endorsed and deposited by Capital One on XXXX XXXX, 2015. Capital One continues withdraw my minimum payment, and refuses to fix the issue. I spoke to representative tonight ( XXXX XXXX, 2015 ) who stated that Capital One would begin a " Payment Investigation. '' He further explained that this would take XXXX business days, and then their " findings '' would be sent to me in the mail XXXX hours later. I could live with this, but then he stated that the disputed amount would appear within XXXX billings cycles ( i.e. XXXX days ). The representative refused to indicate how they would correct the issue of collecting XXXX months of payments after they deposited a check that paid off the entire balance. During a previous call I was told that the {$100.00} would be " applied to my account '' ( if I could provide proof that XXXX Bank paid them the amount I was claiming ). I tried several times to explain that the card was paid off and I did not understand how the {$100.00} being " applied to my account '' would resolve the issue. I did not receive anything remotely resembling a response, except that " this is Capital One 's policy. '' As I stated, I have an image of the check itself, as well as an image of the back of the check where Capital One has endorsed and deposited the Check. This is clearly consumer fraud as the check is clearly made out for {$600.00}. Unfortunately, the image quality of the duplicate is not the greatest, but there is no disputing the amount written on the check ( numerically and in expanded notation ). I refuse to continue to make payments on this account because it has been paid in full. There is no excuse for Capital One 's behavior in this matter, and I would like CFPB to provide some advocacy, and I wish to press any relevant legal charges against Capital One because this is clearly an intentional fraud, and this is further demonstrated by Capital One 's refusal to explain how they will refund payments made once their XXXX month process is completed.
Product: Debt collection

XX/XX/XXXX i RECEIVED NOTICE FROM aSSOCIATE cREDIT sERVICES REGARDING A DEBT IN THE AMOUNT OF {$100.00} WITH XXXX XXXX THE LETTER STATED I HAD UNTIL XX/XX/XXXX TO DISPUTE DEBT XX/XX/XXXX I RECEIVED AN EMAIL STATING I HAD NOT RESPONDED AND I WAS TO PAY XXXX XX/XX/XXXX I RESPONDED TO THE LETTER ON THE WEBSITE XXXX  TO DISPUTE DEBT AND REQUEST EVIDENCE. 
XX/XX/XXXX I RECIEVED ANOTHER EMAIL FROM ACS STATING THAT HAD ATTEMPTED TO REACH ME NUMEROUS TIMES WITH NO SUCCESS AGAIN STATING I OWED THEM XXXX TWO MINUTES LATER ON XXXX I RECEIVED ANOTHER EMAIL STATING THE SAME INFORMATION BUT NOW SAYING I OWED XXXX. 
I HAVERREACHED OUT THEY HAVE NOT REPSPONDED AND ARE EMAILING ME DIFFERENT BALANCES DUE FOR THE SAMEACCOUNT NUMBER IT JUST MAKES NO SENSE
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporters act. convergent account # 's below 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 instructions. 

choice XXXX XXXX day XXXX account : XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX account : XXXX XXXX XXXX account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list below was violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX  : # XXXX, XXXX  XXXX # XXXX, # XXXX XXXX  / XXXX  # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX/dept of ED # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX has violated my rights 15U.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 instructions 15 U.S.C1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than SEVEN YEARS 15U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I closed the sale on a property I owned which was financed by Midland Mortgage and with in a few days ( XX/XX/XXXX ) I received the sale proceeds from Midland. 
In the process of applying for a XXXX XXXX XXXX refinance on another property several weeks later in early XXXX I noticed that the outstanding debt on my credit report was still about {$150000.00} higher than it should have been and to my surprise the payoff in early XXXX was still not showing a month later as having been payed. 
Ironically I had used mortgage payoff disbursement proceeds from Midland Mortgage to pay down {$24000.00} on my XXXX XXXX and it was showing paid off the very next day in early XXXX. 
I filed complaints with both XXXX and XXXX  and they both reported back in mid -XXXX ( XX/XX/XXXX ) that the Midland Mortgage loan was still showing open. 
I again called both XXXX and XXXX and they advised me that the Midland Mortgage account still showed open based on Midlands latest report to them. 

There in lies the problem, if my loan had been paid off one week earlier In XXXX, Midland would have forwarded their monthly report on XX/XX/XXXX ( less than 20 days ) to the various bureaus, but one week later they dont report until XX/XX/XXXX. 
So when I called on XX/XX/XXXX the Midland report of the loan payoff ( XX/XX/XXXX ) had not yet been able to hit the XXXX files. 
So a full 41 days after my payoff my credit score still showed a full {$130000.00} more outstanding debt than it should. Therefore my full outstanding balances was {$410000.00} or a full 33 % higher than reality. 
I could never know how the credit union scoring system works, but certainly 33 % debt can only improve my XXXX SCORE ( by XXXX points ) AND earn a lower interest rate on my VA refinance! 
I dont know what advantage slow reporting of payoffs gives to banks. After all its really just computers programmed to report to other computers. Maybe a bank shows more loan assets for longer. Certainly it cant just be sloth! If XXXX reports in one day, or I can pay a mortgage from my bank to XXXX electronically in XXXX day ; Midland can report my {$130000.00} payoff to all credit bureaus within the same period. AND NOT ADVERSELY EFFECT CONSUMER CREDIT REPUTATIONS AND SCORES! 
All creditors should be able to report credit status twice monthly! If not daily like XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Parties involved, GM Finanacial ( GMF ), XXXX XXXX, myself I leased a XXXX XXXX XXXX on XX/XX/XXXX. I made ALL of my payments on time through XX/XX/XXXX. In XXXX, the final month, I decided to PURCHASE the vehicle per the terms of my agreement. I contacted XXXX XXXX, ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX ) to help process the lease closeout and purchase. They contacted GMF to obtain all the close-out information. On XX/XX/XXXX, I purchased the car. 

I received a letter shortly thereafter from GMFinancial stating that as of XX/XX/XXXX " the above-referenced vehicle was accepted as a LEASE RETURN. '' No this was not right, it was an end of lease purchase, but I didn't think anything of it at the time. I received a NYS Title dated XX/XX/XXXX with all liens removed. 

I moved shortly thereafter from my address in XXXX NY to XXXX, NY. I received a phone call from GMF on XX/XX/XXXX looking to collect a bill for {$530.00} for which I know nothing about. The agent on the phone told me they were disposition fees and had not received payment. I told her she needed to collect those fees from XXXX XXXX. She stated that I was the leaseholder and I was responsible for payment. ( Hindsight, I assume now she believed that because of the terms of the contract for a lease RETURN. ) She emailed me a copy on XX/XX/XXXX, which was dated XX/XX/XXXX ( XXXX months after my purchase ) and mailed it to my old address ( which did not forward to my new location -that is a PO issue ) I later found out that GM Financial reported this bill as 30 days past due on the credit report for the month of XXXX. 

I contacted XXXX XXXX on XX/XX/XXXX, the same day I spoke with the GMF representative. I sent them a copy of the bill, and THEY paid it. 

This was not my bill to pay and as such should not be recorded as delinquent on my credit. 

I am not sure why GMF listed my car as a return, or why the fees were not processed with XXXX directly and why the fees were processed so late. 

I tried contacting GMF directly, however, the complaint portal states my complaint can not be submitted and to contact Customer Care. When I called Customer Care, they said to use the portal for all issues and hung up. I understand COVID has caused some delays, but I am hoping for a resolution soon. 

I ask that you investigate this issue, and have GMF remove the credit bureau XX/XX/XXXX late payment code. The reporting agency is the only one who can remove this incident from my record. I am asking that you correct it so that I am not facing 7 years of a credit ding for something that was not my fault. 
I appreciate your help with this matter and look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

Subject : Follow-up to CFPB Complaint ID # XXXX XXXX XXXX XXXX XXXX ( Acct XXXX XXXX XXXX ) ** To Whom It May Concern, This communication is in reference to my previously submitted complaint to the CFPB under Case ID XXXX, regarding the inaccurate reporting of XXXX XXXX XXXX XXXX on my TransUnion credit report XXXX 

While your investigation resulted in an updated Last Reported date ( from XX/XX/XXXX to XX/XX/XXXX ), this cosmetic change does not resolve the material errors I previously outlined, and which continue to violate my rights under the Fair Credit Reporting Act ( FCRA ). 



Ongoing Inaccuracies & FCRA Violations : 1. Inaccurate Account Status The account is listed as Paid ( correct ), but still shows Collection/Chargeoff as the payment status.

This is misleading because the balance is {$0.00} and the account was legally settled.

. Violation : FCRA 623 ( a ) ( 2 ) failure to update information accurately.

2. Misleading Payment History The account reflects a string of CO ( charge-off ) entries even during months when it was already closed and settled.

This implies ongoing delinquencies which did not occur.

Violation : FCRA 607 ( b ) failure to ensure maximum possible accuracy.

3. Incorrect High Credit & Credit Limit TransUnion reports : High Credit : {$550.00} ( correct ) Credit Limit : {$300.00} ( correct ) But the XXXX limit is still reporting as {$0.00}. This inconsistency underscores a broader data handling issue across bureaus. 



4. Conflicting Date of Last PaymenXXXX TransUnion now shows XX/XX/XXXX ( correct ), but other bureaus report outdated or inaccurate dates ( e.g., XXXX shows XX/XX/XXXX ). 
This kind of inconsistency negatively impacts scoring models. 
Violation : FCRA 623 ( a ) ( 1 ) ( A ) Evidence Supplied I have submitted before and after screenshots clearly showing the limited nature of the update made and the persistence of false and misleading information.

Requested Resolution I am again requesting one of the following : Immediate deletion of this tradeline for failure to meet FCRA accuracy standards OR Correction of all the following fields : Payment status updated to reflect Settled Paid Removal of CO notations post-payment Alignment of Last Reported and Last Payment dates across all fields If not resolved promptly, I will proceed with escalation to the CFPB with documented evidence of TransUnions noncompliance and willful neglect of federal consumer reporting laws. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX
Product: Vehicle loan or lease

HYUNDAI MOTOR FINANCE DID NOT CORRECT PAYMENT DISPUTE AS PROMISED YOUR COMPLAINT On XXXX, a payment due for XX/XX/XXXX, in the amount of {$350.00} was submitted from one of my checking accounts, posted, then was reversed. The SAME DAY, I submitted another payment, in the amount of {$350.00} from a DIFFERENT checking account. The 2nd payment posted to my Hyundai account, reduced the principal balance, but the DUE DATE did not update. Hyundai has acknowledged there was a " glitch '', but failed to correct my due date. Hyundai opened a complaint, but no resolution has been made. The funds were deducted from my XXXX XXXX " XXXX checking '' account, trace ID # XXXX on XX/XX/XXXX. Per Hyundai 's own payment history, which they provided to me, my principal balance on XX/XX/XXXX was {$16000.00}, and after the XX/XX/XXXX payment posted, my principal balance was then {$15000.00}. I struggled to make two more payments in the month of XX/XX/XXXX to bring my account current, but my due date has still not been corrected. 

ATTACHMENTS Hyundai payment posting discrepancy.pdf ( 104.3 KB ) XXXX XXXX Hyundai XXXX ( 80 KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Company still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Hyundai Motor Finance requests additional time to research and respond to this complaint. 
Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response *******Hyundai Motor Finance ( HMF ) has researched the account of XXXX XXXX and apologizes for any inconvenience. At this time, HMF has given proper credit for the payments made by Ms. XXXX and confirms that the next payment is due on XX/XX/XXXX. Any negative credit reporting related to this issue has been updated. ***************** DESCRIPTION OF NON-MONETARY RELIEF Payments were credited and credit report and due date updated. *********************
Product: Debt collection

Someone stole my information and has been using it for several years. He got a drivers license and is working. He has been arrested and has taken out credit. [ sic ] He is ruining me. Please, help me.