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

On Saturday,  XXXX   XXXX  we notified Bank of America that they incorrectly deducted  XXXX  payments for our credit card payment from our bank account, both of which are Bank of America accounts. We did an online bill payment from our Bank of America checking account in the amount of {$5300.00} to pay off our Bank of America credit card balance and then the same day they deducted an additional {$5300.00}. When we called on  XXXX   XXXX  to notify them of the double withdrawal, we spoke to a live agent and were told it would tak e 3-5 busi ness to return our money. We disputed this since all of the money was in Bank of America accounts but they explained that they had no control over getting a refund processed by their own credit card to their own bank accounts. Today is Sunday,  XXXX   XXXX  and it 's 8 days later ( the  XXXX  wa s the 5th business day ) and  they still have not refunded our money. Every day that we call for a status, we 're told the refund will be the next day, but it 's never happened. The extra {$5300.00} they took was pretty much all we had left in the account. We 've gone 8 days without this large sum of money. And we have n't been able to get any cash because the balance is so low and our bills are set up on auto payment so many of them are still trying to clear the account, deplenishing what balance we do have left. For them to keep our {$5300.00} for 8 days is ridiculous when the money is in their own accounts. They could have cut us a check within these last 8 days but instead we 've been told we have to wait for the credit card to issue a refund to us. We 've had to borrow money to get by while they hold our money. How much interest are they making from us and who knows how many other customers they are doing this to?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB :XX/XX/XXXX I am writing to formally dispute multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by various creditors, and I kindly request the Consumer Financial Protection Bureau 's intervention to address these violations and ensure my rights as a consumer are upheld. I would like to share my personal experience to emphasize the emotional and financial distress these inaccuracies have caused in my life.

Below is a detailed account of the violations along with the relevant account numbers and specific FCRA sections that have been violated : XXXX  - Account Number : XXXX Violation : Failure to verify accuracy of reported information ( FCRA Section 611 ) XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, damaging credit ( FCRA Section 623 ) XXXX XXXX - Account Number : XXXX Violation : Incomplete or questionable information provided about the account ( FCRA Section 611 ) XXXX XXXX - Account Number : XXXX Violation : Failure to verify accuracy of reported information ( FCRA Section 611 ) XXXX XXXX - Account Number : XXXX Violation : Incomplete or questionable information provided about the account ( FCRA Section 611 ) XXXX XXXX XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, damaging credit ( FCRA Section 623 ) XXXX XXXX XXXX XXXX CA XXXX - Account Number : Address Violation : Inaccurate personal information reported ( FCRA Section 613 ) Personal Experience : I want to emphasize the profound impact these inaccuracies have had on my life. The resulting damage to my credit has led to denied credit applications and higher interest rates, hindering my ability to make essential financial decisions. I vividly remember the recent incident when I applied for a loan to support an important educational opportunity. The inaccuracies on my credit report resulted in a denial of the loan, leaving me devastated and uncertain about my future prospects. The emotional distress and frustration caused by these errors are overwhelming and have strained my overall well-being.

I earnestly request the Consumer Financial Protection Bureau 's assistance in enforcing the legal provisions outlined in the Fair Credit Reporting Act. I urge you to investigate the mentioned violations and work towards the removal of these unverified accounts from my credit report. This action is not only crucial for my financial recovery but also essential for upholding the integrity of consumer protection laws.

I greatly appreciate your attention to this matter and look forward to your prompt response. My hope is that your intervention will help restore my financial confidence and provide a path towards rectifying these unjust discrepancies.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Student loan

XX/XX/XXXX, I paid a total of {$750.00} to loans XXXX Consolidation ( {$350.00} ), XXXXXXXX XXXX Subsidized ( {$200.00} ), and XXXX XXXX Unsubsidized ( {$200.00} ) online on Navient.com. Once the payment was processed, the updated balances for these loans reflected updated payments for XXXX ( {$8800.00} ), XXXX ( {$2200.00} ), and XXXX ( {$4600.00} ). 
However, XXXX weeks later, XXXX, my newly acquired loan servicer, said that loans XXXX Consolidation and XXXX XXXX Unsubsidized had successfully transferred with balance on loans XXXX ( {$9100.00} ) and XXXX ( {$4800.00} ). The balances did not reflect XXXX 's payment and were the same as the XX/XX/XXXX balance on loans XXXX ( {$9100.00} ) and XXXX ( {$4800.00} ). XX/XX/XXXX was the last time Navient applied my payment to loans despite Navient updating the loan balances in XX/XX/XXXX. 
I have contacted Navient by phone and email to get the payment/adjustment returned. I have copies of email correspondence telling me to wait 20 days, approximately in XXXX XXXX. Between XXXX and XX/XX/XXXX, I received instructions on uploading proof of payment, which I did twice. My documents were successfully uploaded and then deleted. I called and emailed Navient 's customer service team and was to contact XXXX because payment was sent to them. I did contact by phone and through the website. Customer service sent me a letter stating that they received no payments directly from me or through Navient. I have continued to contact Navient and the customer service team through email. All responses from Navient including from Office of the Customer Advocate, Sr. Customer Advocate XXXX XXXX state this matter has been resolved. 
Time and time this company has been allowed to commit financial robbery by changing loan terms for their profit and then refusing to adjust same terms.
Product: Credit card

I called the contact number for Apple credit listed on my credit report three times to try to resolve the charge off issue. The calls were transferred to numbers that only had people talking in the background however would not answer the phones. The third time I recorded the call.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information reported by XXXX, Equifax, and XXXX on my credit report regarding my account with XXXX XXXX ( Account Number : XXXX ). The report incorrectly shows late payments for XXXX, XXXX, and XX/XX/year>. XXXX reported that I made a {$0.00} payment on XX/XX/year>, when in fact I redeemed points for cash in the amount of {$49.00}. Additionally, the remainder of the XX/XX/year> payment was made on XX/XX/year>, which falls within the XXXX grace period stipulated by the CFPB for the due date of XX/XX/year>, and should not be reported as late. Despite these facts, XXXX, Equifax, and XXXX have falsely reported my account as late as of XX/XX/year>, and have reported a past due amount of {$930.00} as of XX/XX/year>, which is incorrect. Furthermore, XXXX XXXX extended the due dates for these payments XX/XX/year> and XX/XX/year> per an extension agreement dated XX/XX/year>.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX co-brand credit card issued by Comenity Bank. Recently, my card had been stolen ( and thankfully later turned in by a Good Samaritan ), but I had called to have my credit card replaced by then. 

Although my account was already setup for autopay, it appears that my new card did not maintain the autopay setting, and according to Comenity I missed a payment. Once I saw my new statement, including a late fee and interest, I immediately paid the bill in full. 

However, my attempts to contact Comenity over the last 2 weeks to dispute the late fee and interest charge have been unsuccessful. For several days, their entire phone service was down ( i.e., even their IVR system was not working ), an issue they have acknowledged themselves on their website. 

Now, while their IVR / automated response service seems to be working, it is still not possible to connect with a live agent to dispute the fees and settle this issue. I know I am not alone on this issue, and have seen many other Comenity customers on XXXX complain about the lack of customer service. I can understand an outage for a day or two, but for this to go on for weeks is simply unreasonable, especially when it affects people 's finances. 

I have attached 4 items : ( 1 ) My most recent credit card statement with the late fee and interest charges highlighted ( 2 ) The payment slip for my XXXX co-brand credit card ( 3 ) A screenshot of other consumer complaints against Comenity on XXXX, dating from all the way back to XX/XX/XXXX, more than 2 weeks ago, and ( 4 ) A screenshot of the XXXX credit card website, which still shows the banner from Comenity acknowledging they still are having problems handling customer calls- this screenshot is from XX/XX/XXXX  ( today ).
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX
Product: Checking or savings account

I had gotten scammed out of XXXX from a XXXX transaction. 
On Wednesday XX/XX/year> at XXXX XXXX  from a company called XXXX an XXXX XXXX in the amount of XXXX and another transaction in the amount of XXXX dollars on XXXX XXXX I did go to the bank but got the run around and the lady at Wells Fargo said I would receive the total amount for XXXX in 10 business days but when I would call the bank or go in person I just got put in on hold or got told sorry we cant help you
Product: Credit card

I recently got a copy of my credit report and I see fraudulent accounts on my report. Please remove these accounts as they are hurting me and is hard to obtain credit.
Product: Credit reporting or other personal consumer reports

Experian is been having addresses that doesnt belong to be. I have had never live in this addresses. I resquested multiple times be removed but nothing had happened.
Product: Credit card

I started to run behind about 6 months ago. I initially was set up on an arrangement which I completed. Then I explained that I could not afford the monthly payments due to medical hardship. Captial One would not offer lower monthly payments or interest as other companies in fact, Captial one offered a higher monthly payment. I was advised to call back each month to see if a program was available and I get the same plan higher than my regular payment. Now I am seriously passed due and find it hard to even do business with Capital One.
Product: Vehicle loan or lease

I JAVE A COMPLAINT AGAINST JP MORGAN CHASE FOR INACCURATE AND UNVERTIFABLE INFORMATION ON CREDIT REPORT. ACCORDING TO FAIR DEBT REPORTING ACT UNDER 15 USC 1681A2 STATING I DID NOT GIVE WRITTEN PERMISSION TO HAVE THIS ACCOUNTS FURNISHED ON MY CREDIT REPORT. AND THEY MUST BE REMOVED IMMEDIATELY, IT HAS DAMAGED MY CREDIT AND MY NAME
Product: Debt collection

In XX/XX/2015 I took out a loan with Tower Loan. I made 2 payments. Both payments I was told they were unable to provide me with receipts at the time. I stated the payments were not the correct amount in which I paid cash. I was told basically to bad, it is what it is. I stopped paying until they could correct the amount. I have recieved phone calls since stating " what kind of mother or woman am I if I can't pay my bills. '' " How can I afford other things to include an attorney to fight them for harassment if I can't pay my other bills? '' They also refused to give a copy of my contract and stated they will continue to hit hard inquiries on my credit every 30 days until I start paying. I explained card inquiries are for attempts to open ne lines of credit which i'm not authorizing them to do. I was told they will continue to do so if i don't make payments. I informed them this is threatening and harassment and the response was he will continue to go after my credit as long as they can until I pay.
Product: Credit card or prepaid card

American Express suddenly canceled my credit card. I was a member since XXXX. I had XXXX membership rewards points at the time they canceled my card. I tried to dispute the cancellation but got nowhere. 
Now I am trying to get my XXXX points I legally earned while using their card. I have not been given any reason for the cancellation or for them not giving me my membership rewards points. 
This is unfair and I want to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following inquiries are a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX CREDITOR TYPE Bank XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX Please remove inquiries from my credit report because these are not mine.
Product: Prepaid card

I have had to go into bank of America 3 times to verify and they still froze my account and canceled my card. I had to wait 7 days for the new card and I was able to use it 1 time then they froze it again. Even though I responded to the text message verified it was me and received a text message saying my card was good to go again it still won't work. They are going to make me come in and verify again and probably order a new card. There is no reason for this I'm not doing anything suspicious. They just want to keep my money from me. I'm homeless and had a place to rent set up. They canceled my card and I lost the place. Someone else rented it and I'm still on the streets freezing, wet and hungry.
Product: Debt collection

Because i missed a payment by one day, and did not return a phone call the same day the next day I recived a voice mail stating that becuase I did not return the call they were forced to take further action, when I called to discuss the acct they stated becuase I did not return their call they will be taking my account to litigation. I felt harrased and bullied when I have been coraperative and initiating contact with them.
Product: Debt collection

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 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: Debt collection

XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX, WA XXXX has been sending me collection notices in the about of {$1800.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have few accounts and inquiries list below that have war against my credit profile. I need the following extended Fraud alerts to be remove from XXXX, XXXX and Equifax. 

1.We XXXX  XXXX XXXX {$2000.00} ( chargeoff ) XXXX XXXX  XXXX the account was paid full and needs to be corrected on credit profile, for longer being a derogatory account. 

Inquiries XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following information XXXX in support of my complaint.

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 with out my written instructions, 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Checking or savings account

I was contacted by Credit Karma fraud prevention on XXXX XXXX indicating unusual activity on my card. It was disheartening and troublesome to hear this report. After Confirming with them it was not me and not having possession of my debit card, they blocked the card to further prevent fraud and use. I received text notifications of multiple attempts being made in different amounts which was outrageous. It was clear then my card was lost/stolen and someone evil gained access to it. We can not locate itanywhere! It appears however there were a bunch of little charges and a large one amounting {$1900.00} which hit my account from XXXX knows who or where! I was unable to open a dispute that day and was told I had to wait for them to settle or drop off. On XX/XX/2024 I called Credit Karma to initiate a dispute ( dispute ID XXXX ) after noticing the charges settled and removed from my account. On XX/XX/2024 Credit Karma contacted me for more info such as when my card went missing and what was the last transaction I made. I provided them this information to the best of my knowledge however Credit Karma neglected the facts, fraudulent charges, declined attempts by these terrible people. Credit Karma closed-denied my dispute and brought trouble to my life of XXXX. I don't use this card for anything and the only transactions was my deposits. Requested Credit Karma reopen this matter and properly conduct a thorough investigation and they'll see that this is clearly fraud and unauthorized transactions! I am protected against things like this per Reg XXXX and they shouldn't neglect this. I don't make much money and this is hard to swallow. I am seeking help please regarding this matter, this is very much wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my XXXX XXXX XXXXXXXX XXXX  account app, it has a feature called XXXXXXXX XXXX journey which allows you to view your credit score and usage. 

When reviewing my account, there is a XXXX XXXX credit card being used under my name. I do not have that card nor do I remember ever opening an account with XXXX and/or XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my sonsent. Accordin to section XXXX of FAIR CREDIT REPORTING TO SECTION ACT ( XXXXXXXX XXXX  XXXX XXXX ( b ) ), there are speecific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNT XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investagate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified.As by FCRA requires agencies to remove most negative credit information if it is inacurate, unverifiable, invalidated, and incorrect
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries that I do not recognize listed in the file below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unfortunately late on a payment with my Chase Shappire credit card in XX/XX/XXXX that did not exceed more than 30 days. This was just basic human error on my part and I have not been late ever since. I've only had this card since XX/XX/XXXX and it is my only credit card. When I called Chase to remove the late mark on my report I was told I was past the 90 day grace period and they can not remove the remark. I tried calling a few more times and even disputed it with all 3 credit bureaus and still no luck. 

I recently applied for a small loan for debt consolidation and was denied. The principal reason for denial was : missed payment reported on my credit report. They checked both XXXX  and XXXX. My other 2 loans reporting on my card ( 1 school and 1 personal ) both have no late or negative remarks as they have been paid on time every month. 

After doing some research it states that 35 % of your score is based on your payment history. I think this may be the reason I have been denied as I applied for a school loan and one other credit card between XXXX and XXXX of this year and was also denied. 

I need help getting this late remark removed off of my report so I can get a small loan or second credit card for any potential emergencies.
Product: Money transfer, virtual currency, or money service

Coinbase ref : XXXX : ref PROBLEM NOT SOLVED Help request # XXXX Login XXXX The problem started when I tried to upgrade to Coinbase Pro and their system would not accept the correct access code three times, then locked me out.

When I opened and made my purchases on Coinbase I owned XXXX homes, my Homestead in XXXX and my vacation home in XXXX. I have since retired, sold my XXXX home, and moved to XXXX  full time. Coinbase has now closed my account because they aren't registered in XXXX. Under these circumstances I believe I met their requirements when I open my account and made purchases while living in XXXX. No where in their Terms of Service does it say if you move to XXXX, where they aren't registered, you will loss access and all your assets. That is exactly what they have done to me. 

At this point I have no access. They have informed me that my account has been closed because they are not registered in XXXX. 
They gave me no options to liquidate my assets. 
Also I was never asked for more then the 2 step text security access code to both buy and sell coins AND increase my limit to {$7000.00} from {$500.00}. So I had no idea there was a problem.

There is no live help on line or phone to ask questions.

Does just living in XXXX disqualifies me from keeping my account?

If so, where is that stated in Coinbase Terms of Service?

Where does it state what happens to your assets should one move to XXXX? 
THEY SHOULD NOT BE ALLOWED TO KEEP MY ASSETS. Please help. 
XXXX XXXX