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

on XX/XX/XXXX I mailed a letter to transunion and XXXX regarding the inaccuracies on my credit report but they haven't updated my report
Product: Credit card

I keep receiving credit alerts regarding an outstanding balance on a Navy Federal credit card that I was added to as an authorized user by my sister. Whenever I call the automated system or try to establish an account online, the system says it can not verify me with my social security number and date of birth. However, the bank representatives can pull me up with that information. Today, I visited a Navy Federal branch in person, presented my identification, and was advised that the account was closed but has an outstanding balance. However, the credit bureau only indicated that payments are late on an open account. The representative in the branch also stated that I am liable to be garnished if the bank needs to collect the outstanding balance. However, the branch representative was unable to give me access to the online accounts. I followed up later today with XXXX and XXXX by phone requesting access to the credit card account and assistance with creating an online account to obtain statements or copies of the information that is being negatively reported to the credit bureaus. Both representatives refused to update my contact information in the system or help me establish an online account so that I could access the information being reported to the credit bureaus.
Product: Credit card or prepaid card

My phone was stolen and someone hacked into my phone/online banking and used my information to buy tickets to a hockey game. The transaction is for {$110.00}. I have contacted the seller, the tickets were never used. Apparently the thiefs used my email to try and get a refund as well through XXXX. I contacted my bank and disputed the charge, however capital one stated that I am still responsible for the tickets. I do not feel that I should have to pay for this charge as this is not my fault and my account has a {$0.00} fraud liability agreement. Please help!
Product: Money transfer, virtual currency, or money service

I have been trying to complete the ID verification process at Coinbase Inc for the past two days. Their system indicates that customers will experience slow response times. There is only one way to upload and ID for verification via the app and no other option. My funds are being held hostage as I can not execute a sale until they verify my driving license. Very poor experience - I was also on hold for over an hour. Likely a similar experience for many others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this item from XXXX XXXX hm mortgage several times this isnt my account. Please verify information and remove.
Product: Debt collection

On the date of XX/XX/2020 I checked my credit score & noticed six Derogatory Marks from a collection agency Associated Credit Services Inc. Upon inquiring on there website I discovered eight open accounts with various amounts {$2200.00} in total. After further inquiring I was able to find out that this was from a medical bill that had already be paid via my attorney 's at the XXXX XXXX XXXX XXXX XXXX XXXX in a settlement.
Product: Checking or savings account

Hello, this is a formal complaint after I attempted to open a bank account at the Umpqua Bank, XXXX, XXXX, XXXX XXXX Location. 
This location is a community bank location. There is a conference room and a desk-top bar that can be used by the public during open hours, when no other private events are being held which may interfere. 

I occasionally use this space when I do not wish to spend money on coffee in order to use wifi. 
I have noticed that the bank tellers form opinions and create gossip about each of their customers, sharing them after each customer has left the store. I also have attended the space for Italian language meetup, which is not held anymore. 
There is a bias against people who use public spaces in Idaho, including public transportation, public libraries, or even private spaces opened up to the public. I am not sure of what opinions were formed of me, a younger-appearing man who served in the XXXX XXXX XXXX and came from an underprivileged immigrant family, but I was denied when I attempted to open a bank account here, on XX/XX/year>. 
I was told to bring in a proof of address. I brought in a perforated payment slip from my recent employer. I was told, in-person, that this wasn't enough and to provide a second form. I pulled up a phone application from my apartment complex which verified my address and payment of rent. 
I was told the second form had to in-print, as well. 
I called another Umpqua bank branch and asked how many proofs of address I would need to open an account, and was assured that only one form is necessary. 
I'm not sure why these particular bank agents, who have seen me use their space 1-2 times a week for the past two years, decided to change the rules when I attempted to open a bank account. I have lived in XXXX since high school, and have made friends with many people from high school, university, the XXXX XXXX, and church, and have a good reputation in this city, which shouldn't even be necessary to bank where I live. 

I contacted Umpqua bank about this on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I reported a dispute to Experian concerning. The reporting of XXXX credit card that the past due amounts are due to medical and a disaster event. I have contacted XXXX numerous times, offering a payment plan, which they have declined. This should not be showing on my credit report ; this is my only outstanding balance ; all other bills are current. One credit card can not adversely impact my credit ; my FICO score is in the XXXX. Experian is fraudulent ; they offer a boost, which I have signed up for four times, but I have had no increase in my score. I contacted them to let them know that my bank is connected, but their system continues to give me an error message and no change in my credit score. They never responded. I believe my credit score to be incorrect. I have never seen one card drop a person 's credit score this low when everything else is paid on time. They adversely impact XXXX people with low scores to keep us from getting credit. 

XXXX XXXX has an XXXX card as a late payment, but I have never paid them late. They also have XXXX listed on my credit report, which should be removed. My credit score should not be in the XXXX 's for one card when everything else is being paid on time.
Product: Checking or savings account

My deposit was scheduled for today at XXXX and hits my account every other Friday. Navy Federal Credit Union said there was a mix-up and funds should be available but they aren't. They cut their phones off and made a XXXX to let customers know of the issue. Over {$1000.00} was supposed to be deposited and did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$250.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent account listed below from my credit report. I am a victim of a data breach, and this account was opened without my knowledge or consent. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that this fraudulent account be removed from my credit file. 
Fraudulent Account : XXXX XXXX - XXXX - XX/XX/year> - {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. Someone used my information to medical care at XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report that I owe for this fraudulent charge Account number XXXX
Product: Credit card

On XX/XX/year> I had a payment set up to payoff the balance of my credit card in full in the amount of {$1000.00}. I have autopay setup on this account to make the {$25.00} minimum payment as a safeguard against late fees should I happen to forget XXXX month. Therefore, this payment was to be the minimum auto payment of {$25.00} plus {$1000.00} to complete the full payment. Somehow, my {$25.00} auto pay was cancelled which resulted in the full balance payoff being short {$25.00}. I dont know how it got cancelled as I was always select the full statement balance when paying online which prompts the customer to either cancel the minimum payment or pay it in addition to the full balance. Typically, Ill cancel as to not overpay. I wouldve had to manually type in the {$1000.00} on my end to make this payment, so I highly doubt this was my error. Regardless, this resulted in an interest charge of {$6.00} on my next statement. I called to explain the situation, but was told theres nothing that can be done. While I wasnt pleased, I accepted the {$6.00} and moved on. 
The following month on XX/XX/XXXX, I one again paid my balance in full and this time did NOT cancel my {$25.00} auto pay just as a precaution given what happened the previous month. This resulted in me overpaying by {$25.00}. My statement balance was {$920.00} and I wound up paying {$940.00}. When I received my new statement I was shocked to see yet another interest charge of now {$14.00}. 
I called to explain the situation which I had to do a few times, but the customer service representative was unwilling to help and would not let me talk to a supervisor. Simply put there was nothing they were willing to help and I believe never fully understood the issue, a truly frustrating experience. Bottom line because my XXXX payment was incorrectly {$25.00} short, Ive now been charge a total of {$20.00} in interest the past XXXX months which is absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, and Reference # XXXX Us BKPT CT 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 an account without my written instructions
Product: Mortgage

XXXX XXXX, XXXX I had a house fire it was a total loss. XXXX was my hazard insurance and I had an old policy which XXXX paid out in full to rebuild my house. My mortgage is with XXXX Chase Bank so the insurance checks was paid into XXXX Chase Banks insurance claims department. I should have been in my house no later than XXXX XXXX, my slightly less than a year from the fire. My contractor is excellent, XXXX was excellent. The problem lies with Chase not wanting to release the funds that belong to me to rebuild my house. XXXX XXXX my contractor was owed {$71000.00}, I requested the funds and Chase sent me a check for {$10000.00}. Here it was XX/XX/XXXX and the contractor 's subs were owed, it took Chase until XX/XX/XXXX to pay the balance even though the funds were siting in escrow, I threatened with a possible law suit. I am displaced and now am 8 months beyond the time I was should have been back in my house. Chase stated that the build out is reported at XXXX % and have denied my requests because it is stated that for further payment it must be at XXXX %. Without further draws my contractor is being kept from reaching the XXXX %, he must have a further payout to proceed. I will NEVER get back into my house without further funds being released ASAP. My contractor needs the funds for sheetrock and all of the goods needed to start on the finish work. Without the payout my contractor ca n't proceed and Chase is keeping me displaced. The message from Chase to me is, " XXXX XXXX you will never be back in your house. Your build out is at XXXX % and will eternally remain there because we are not going to give you another dime of your insurance money, so you can complete the process of rebuilding you house as your insurance company intended you to do with the funds from your hazard policy, because our policies are in place so we can use your money regardless of why you received it. '' My storage bills continue to mount up and I am getting to the end of my rope. My personal costs are escalating because of the unnecessary delays. In the end I may actually have to consider suing for financial and emotional damages. I am now taking valium for the stress so I do n't have a pervious breakdown.
Product: Student loan

In XXXXXX/XX/XXXXI was a recent graduate with over XXXX in student loan debt. My private student loan payments with Navient were over {$600.00} per month. I had not been able to find a full time job and also had other student loan payments due to XXXX. I was unable to pay Navient {$600.00} a month and spoke to their representatives only multiple occasions about this. They did not offer me any options to lower my payments, but instead kept directing me to forbearance agreements that charged me {$150.00} fee per month for the forbearance while my loan balance continued to grow.
Product: Checking or savings account

Hello i opened my account the day of XX/XX/year> in the branch, I received an invitation of a checking account bonus for XXXXXXXX XXXX XXXXXXXX XXXX The promotions had terms which I completed all of them i called the bank ( regions ) and they just keep saying they will look into it as it seems to be a bank error
Product: Checking or savings account

On XXXX XXXX XXXX  my boyfriends truck was broken into ( aprox XXXX ). Personal information and bank account information was stolen. On XXXX XXXX XXXX  ( aprox XXXX ) I went to TD Bank located in XXXX to take the appropriate steps of closing an account. When speaking to an employee, I was asked how long I had resided in XXXX I informed him I have never lived in XXXX He indicated that my bank account was showing a XXXX address that had been changed on XXXX XXXX XXXX. I never received a phone call or email alert authorizing this change. When asked for further information on how my address was changed, TD Bank indicated that they could not see who changed this address, the time, or how, only the date. I later spoke to another employee on the same day. This employee indicated that if the address was changed using a different system, that she couldn't see the information. I asked for a printed copy of her screen - showing my bank account information with an address changed to XXXX. This employee informed me that was not allowed. 

After speaking further with law enforcement, they reported that they have had this issue in the past with TD Bank where they are unable to share or " see '' specific information. 

On XXXX XXXX XXXX I called the TD Support line as I received two letters indicating an address change. When speaking with the employee, she first stated she could not see any address changes in my account. When I informed her that my attorney was requesting this information, she then was able to see the XXXX  address listed as a prior address on XX/XX/XXXX. However, she could not see any information on how this information was updated or who authorized the change. 

No other support from TD Bank has been provided to resolve this issue. 

My concern is that an address was changed to a secured financial account and there is no history of who authorized this or how it was changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax disclosed my personal data due to a security shortcoming.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXXXXXX XXXX with the three major credit bureaus regarding a charge-off account issue. Despite attempts to resolve the matter, the three credit bureaus have failed to provide adequate information and assistance regarding my charged-off account. 
XXXX XXXX XXXXXXXX Balance Owed : {$8200.00}
Product: Debt collection

The Thomas Agency debt collected for XXXX XXXX XXXX XXXX. I am in the United States XXXX XXXX at the time that this debt accrued. I have full medical and dental coverage. I wasnt in Maine at all during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a letter sign by a judge stating that these Bankruptcies were filed in error. How can Equifax, XXXX and XXXX suppossibly had verified this?? I have the proof that this account does not belong to me.
Product: Debt collection

I am writing in regards to a collection account in the amount of {$270.00} that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately. It is also a HIPPA violation if they have unknowingly accessed any of my medical records to fraudulently have this account added to my credit report.
Product: Credit card or prepaid card

I applied for the Cares Act hardship program back in XXXX of XXXX and per the plan, hardship was completed back in XX/XX/XXXX. Due to technical issues, I have been unable to use the credit line as agreed upon per the completion of the hardship program. I have been contacting the credit card company since the end of the program with complaints of not being able to use the card with no resolution for almost a year later.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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: Credit card or prepaid card

on around XX/XX/2018 I received a call at work from bank of america telling me that someone wired money out of my credit card into a checking account in my name. I told them it wasn't me and I don't have a checking account with bank of america.the amount was approximately 2,400 dollars. well they did their so called investigation and denied it. next I sent them all the information I had. I included cards from the credit agencies proving I put a watch on my accounts. I sent them a letter from the IRS because I had contacted them in regards to someone filing for my income tax refund. The letter said they found no fraudulent activity. I sent them a letter from the post office stating that at the same time someone was trying to change my address to a place in Illinois and I reside in Pennsylvania. I gave them the address the Post Office gave me that they were trying to change my address to. i filed a police report, told them the officer I talked to and the incident report number.I faxed all of this stuff to them and today I got it looks like the same form letter denying the claim its like they never even looked at the stuff.I understand they don't like people like me that pay off there credit card bills every month. I have this card for 15 years me and my wife do.they left someone open a checking account in my name and they are blaming me. please help they are not interested in the truth.
Product: Debt collection

I didn't receive any statements for this company and when I asked what the amount was of the late fee, the person said {$42.00}. I spent {$21.00} in the store and the amount was {$82.00}. I've been sick and the person speaking would not give me a courtesy fee break. I asked her on XX/XX/22 to let me pay online. She did not hear me and in that and in a second phone random pushy call was barking like a XXXX at XXXX. I'm never buying your underwear again so have fun with your extra {$20.00} that I should not even owe considering I've been sick. We are in a pandemic, no? I could have been a long-term customer since I have good credit and my average card I keep for about seven to eight years. I've been with one card 20 years.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting Violation of FCRA 623 ( a ) ( 3 ) and UCC To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX regarding the account listed below. I believe that this account is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). 

Account Information : - Creditor : XXXX XXXX - Open Date : XX/XX/2024 - Amount : {$410.00} According to the letter I received from XXXX XXXX  ( attached for your reference ), this account was returned to the original creditors. As such, it should be deleted from my credit file. Furthermore, the account is not accurately reflecting the payment status. It is imperative that credit reporting agencies report accurate information, including the status of accounts as paid less if that is the case.

The failure to report this information accurately constitutes a violation of the FCRA, specifically Section 623 ( a ) ( 3 ), which requires furnishers of information to provide accurate and complete information to credit reporting agencies. The inaccurate reporting of this account has negatively impacted my credit report and, consequently, my credit score. 

Given these facts, I demand that you investigate this matter and remove the account from all credit files with your agency. Please confirm receipt of this dispute and provide me with the results of your investigation in writing. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Attachments : 1. Letter from XXXX XXXX
Product: Credit card or prepaid card

inquiry on my credit beaures XXXX XXXX XXXX