23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX my husband, a XXXX XXXX dressed in uniform went to deposit XXXX in cash into my bank account to pay our Mortgage. We did not deposit a personnel check because we knew it would be a hold on the check and we needed to call our Mortgage company with payment. However with no notice completely by surprise he was told he could not make a cash deposit of any amount into my account. I would need to come to bank to make the deposit. When I arrived I was told the same thing by Manager. At this time my husband was called so he had to go. I ask the Manager and Service Representative for a copy of policy. They told me it went in effect in XX/XX/XXXX and I should have asked about deposits when I opened my in XX/XX/XXXX I informed them that I was was told about other products and monthly balance fees but this was not disclosed. I told them if I had known about this policy I would not have opened an account with Bank of America.I was than told they would call the police because I recorded the conversation because I wanted to get this on record from the Manager. I had just purchased checks from this bank on XX/XX/XXXX. If I could get them refunded I would close my account but since my mortgage was due and I needed to stop direct deposit I kept account open. However I told other Bank of America account holders about this policy and they are going to close there accounts because they are not aware of the new policy. I will also contact the news outlet so this information can be disclose to other consumers.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested my free copy of my credit report from transunion TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Free Annual Credit Report and Credit Score Dear TransUnion Customer Service, I hope this letter finds you well. I am writing to formally request my free annual credit report, including my credit score, as mandated by federal and state laws.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive one free credit report from each of the XXXX major credit bureausXXXX, TransUnion, and XXXXonce per year. This provision is essential for consumers to monitor their credit reports for accuracy and to protect against identity theft. Additionally, according to [ insert your states law, e.g., XXXX  Civil Code Section 1785.15 for XXXX  residents ], I am also eligible for a free credit report annually. 

To assist you in processing my request, I have provided my personal information below : - Full Name : XXXX XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX - Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I appreciate your prompt attention to this matter and look forward to receiving my credit report and score. If you require any additional information or documentation to process my request, please do not hesitate to contact me at the phone number or email address provided above. 

Sincerely, XXXX XXXX XXXX Enclosures : - Copy of ID - Proof of address I enclosed copy of my ID and proof of address On XX/XX/XXXX, received letter from transunion stating they wanted {$9.00} for my score and to resubmit the identification information again which was previously submitted to transunion
Product: Debt collection

Im typing this letter as evidence of my attempts to mediate an on-going dilemma between myself and CAPITAL ONE.I find it IMPERATIVE that you intervene as governing party. Since XX/XX/2021 I have contacted CAPITAL ONE by way of phone, fax, email, mail and now through the Consumer Financal Protection Bureau. I have RIGHTFULLY concluded that CAPITAL ONE is and has been willfully negligent in rectifying their affairs. Pursuant 15 U.S Code 1691 ( c ) CAPITAL ONE has assumed liability pursuant 15 U.S Code 1691 ( k ). CAPITAL ONE has discriminated against me as well as violated my federally protected consumer rights. PLEASE REVIEW ATTACHMENTS
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I paid my account balance with XXXX XXXX in full to {$0.00} on XX/XX/XXXX. However, XXXX XXXX has not reported my correct account status as paid in full with a {$0.00} balance to Transunion and XXXX. I have made several contact phone attempts with XXXX and requested this is resolved. I have also submitted multiple disputes with both Transunion and XXXX. I even provided proof of payment in full to {$0.00} to both Transunion and XXXX, but both Transunion and XXXX are not honoring my proof of payment for some illegally reason and responding to my disputes as, " account verified '', despite the paid in full promissory note and settled in full email I received from XXXXXXXX XXXX regarding payment of {$3000.00} and made on XX/XX/XXXX. Specifically the 1st page of the promissory note at the very bottom in the middle of the page it states the account has been " paid in full XX/XX/XXXX '' with a representative from XXXX name ( XXXX XXXX XXXX ) directly under the line of the " paid in full '' stamp. 

Improper investigation done by Transunion and XXXX. 
1. ) Account Name_ XXXX XXXXXXXX Account Number : XXXX Transunion and XXXX : INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
XXXX XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : UNSECURED Balance : {$3000.00} ; Wrong, should be {$0.00} Date Updated : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$95.00} ) ; Wrong, should be XX/XX/XXXX Last Payment Made : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX High Balance : {$4000.00} Pay Status : Current ; Paid or Paying as Agreed ; Wrong, should be paid as agreed and closed as of XX/XX/XXXX Terms : {$75.00} per month, paid ; Wrong, should be {$95.00} per month Bi-weekly for 24 months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong ; Should be rating for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached to this complaint a copy of my Transunion dispute results ( # XXXX dated XX/XX/XXXX, the paid in full promissory note from XXXX XXXX XX/XX/XXXX, and the thank you email from XXXX that I settled the account.
Product: Student loan

XX/XX/XXXX - Tried to apply for a loan consolidation of both federal and private student loans to hopefully lower my monthly payments between the XXXX ( currently paying {$420.00} for My Federal Loans and {$300.00} for Navient Loans ) ; was ultimately denied because debt to income, too little in the savings ( recent 1st time homeowner and I am a mother to a XXXX XXXX XXXX that I will have to start paying to put her in a preschool ) XX/XX/XXXX - called Navient to request information as to why my student loan payments continue to go up during the 2017 year. This XX/XX/XXXX payment will be the 8th time since XX/XX/XXXX that my monthly payments have increased for Navient student loans. They never send me any email correspondence or anything in writing indicating that my monthly payment is increasing. ( the only time I find out is when it is pulled out of my account ) XX/XX/XXXX/XX/XX/XXXX - applied to release my cosigner on my Navient student loans ; was denied because my " debt to income '' was too high. Also during this time period I tried to discuss with Navient to reduce the percentage of interest that keeps getting increased on my student loans and they informed me that they would need my cosigners information. My cosigner is my mother who will be XXXX XXXX XXXX in XX/XX/XXXX, she works maybe XXXX hours a week at a supermarket for {$10.00} an hour and the rest of the time she is generously helping us by watching my daughter because we can not afford to put her in a daycare program with my student loan payments/ mortgage payment/ household expenses/ credit cards/ medical expenses ( LIFE ). 

XX/XX/XXXX - spoke with them about why the interest rate increased on my student loans and Navient was very vague when discussing with me that I have a variable loan interest rate. NEVER once did they send me confirmation in the mail that changes to my account were going to happen.
Product: Money transfer, virtual currency, or money service

Coinbase allowed my account to be compromised. I have to lock my account in order to protect my assets. Coinbase then made it almost impossible to log back in. I spent 2 hours on XXXX XXXX XXXXXX/XX/year> sending selfies and 2 factor authentication. I was told to wait 24 hours to be able to actually access my funds. It has been well over 24 hours and I still do not have access. I spent one hour today again trying to gain access. only to get hung up on after an hour.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : 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: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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: Vehicle loan or lease

On Friday XX/XX/XXXX, my car was repossessed with no warning straight out of my boyfriend 's driveway. I thought it was stolen at first. I proceeded to spend hours back and forth on the phone with the XXXX police department, my bank ( Truist ), my dealership ( XXXX XXXX XXXX, and the repossession company. 

Truist assured me that they did not issue the repossession order since I am months ahead on my payments and told me to file a wrongful repossession claim with the police. 

The repossession company wouldn't give me any information, including if they even had the car, because " my name was not the name attached to the vehicle ''. Meanwhile, my dealership and the XXXX assured me that the car was solely under my name. 

Truist eventually called the repossession company for me and said they got everything squared away and that my car would be returned to me that afternoon. After calling the repossession company I learned that Truist had not sent over any of the paperwork they said they had and their office was now closed for the weekend. 

Apparently, there was an old XXXX out on my car by SunTrust in XX/XX/XXXX that was never recalled even though my dealership fully paid the car off in XX/XX/XXXX. I bought my car in XX/XX/XXXX through a loan with Truist. So my car was wrongfully repossessed because of a XXXX from over XXXX years ago. Truist has bought out SunTrust so this whole problem arose from an internal mess up on their side. 

After going through the whole weekend without my car, I had to contact Truist back twice on Monday XX/XX/XXXX before they finally sent the correct paperwork over. Then I had to find a way to pick my car up from over an hour away.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXXXXXX 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

GM Financial is currently reporting me as " late '' on my credit bureau. I have yet to receive a final bill in the mail, my lease ended XX/XX/XXXX. Somehow, even though I have made the 39 payments and turned in the vehicle, they are still reporting me as XX/XX/XXXX days late and ruining my credit.
Product: Debt collection

Nation Credit Systems is continuing to communicate negative information regarding a debt I do not owe them. The company has furnished the inaccurate information to credit reporting agencies and has damaged my credit reputation. 

I have notified the company to cease all communication on several instances but the company has continued to report the information with no authority or consent. 

Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and 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 inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Student loan

The name of the school is XXXX XXXX ( XXXX ) and not XXXX XXXX but that was the closest name on the list. I wrote to CFPB and they stated to write to FAFSA regarding the matter of School Borrower Defense. However, I reached out to FAFSA Ombudsman regarding a pending matter to get the debt dropped due to embezzlement and non job placement. Which is why the school closed. However, FAFSA reached out and told me that Navient would contact me regarding this matter.

Navient has reached out with a message through my account promoting ways to pay back the loan. But they still choose not to address the issue regarding School Borrower Defense that I filled out with FAFSA. Regarding dropping the debt due to embezzlement and non job placement in which this is the reason why the school closed in the first place.

I do not understand why FAFSA chooses not to address this issue either because I filled out the School Borrower Defense forms with them. Instead they're putting the ball back into Navient court while knowing the truth as to why the school closed down. Both parties are ignoring the situation and I need for CFPB to step up and help me get this loan dropped due to fraud. 

I would like for Navient to acknowledge and answer me regarding the well publicized issue in the media, with both XXXX XXXX located in XXXX XXXX and XXXX, CA. And drop the loan according to the charges of embezzlement, fraud and non job placement.
Product: Credit reporting or other personal consumer reports

I keep asking TransUnion, XXXX, XXXX to provide proof of why or how they claim the collection agency is accurate. I keep asking for what they used to investigation the collection agency is accurate. No one can provide the information because it does NOT exist. The collection agency is lying and Manipulating the system. The keep sending a copy of the lease. But fail to abide by the 48 district court judgment
Product: Credit reporting or other personal consumer reports

STATE OF MICHIGAN CHILD SUPPORT and the Consumer Agency Experian are in violation of several of my rights. Under 15 U.S.C.

1681i ( 7 ) Method of verification this account is in violation as it was reported without valid evidence.If the account was actually verified then why is the date the account is being reported as open is XX/XX/year> but there is no payment history being reported. Instead of the consumer agency reporting on time payments for the previous months since date opened it only reports late payments that should not be report either because Under 15 U.S. Code 1681b permissible purpose I never gave my consent to report anything on my consumer report. This is in fact identity theft. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) This is not fair or reporting 100 % accurate the payment from date opened should be reported but they are not. This is misleading and very harmful to my credit and ability to get financially free. They are reporting information that was not verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing several inaccuracies on my credit report with Experian over the past year at least with little to no cooperation from Experian. The most recent of which was signed for and received by Experian on XX/XX/2021. That letter requested that Experian either verify or remove the inaccurate items I was disputing in a timely manner as required under the law. 

After allowing more than the 30 days required for Experian to either properly verify or remove these items, as of today, Experian is willfully ignoring my request, refusing to delete these inaccuracies, opting instead to change small bits of information to the already inaccurate items and stating that they have verified the items. With every dispute, Experian responds with a slight change and verified as the result. 

This willful neglect for the law by Experian has greatly impacted my credit score costing myself and my family undo hardship and anguish. I will also be filing a formal complaint with the state attorney general and the FTC against Experian for their blatant refusal to delete information that they are reporting that can not be verified properly by Experian. 

I want these negative items removed immediately as I have given Experian more than enough time to properly address this issue. I have copies of all correspondence sent and received, sent by certified mail with delivery confirmation and signature required. Immediate removal and deletion of these disputed items is demanded immediately.
Product: Debt collection

I only paid this is because I was under duress from my your company and I never exercise my right to validate this debt. My rights were violated by pressure I feel like you guys did not properly validate this debt I feel like I over paid you when I didnt owe you. 
Please DELETE this from my account. Only contact me through CFPB. Please attach Confirmation Deletion Request on your company letterhead showing this account has been deleted from my credit report.