23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

i was appling for a personal loan. i recieved a call from a man named XXXX saying he was from Lending tree. after appling i was told to get a verification card with the first months payment as a XXXX gift card for {$150.00}. I did and read him the number off back.Then I was told Alabama wanted taxes before releasing funds of another {$150.00} sent the same way. Then I was told one card was not acivated at the store ( XXXX XXXX ) so I went there and they even called main office, but no help. I even called Lending Tree and they told me fraud and to get ahold of you Phone number of XXXX is XXXX XXXX cards number are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this happened on XXXX and XXXX, 2020. I have called XXXX as the money on cards is gone
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that an old account I had with XXXX XXXX  XXXX XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX   XXXX XXXX has reported the account as a permanent charge off status, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX   has with each credit reporting agency respectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I honestly have no idea who this person is or why this account is on my consumer report. I have never done business nor personally dealt with this person or any of their affiliates. I do not live in Pennsylvania, in actual fact, I have never even been to this address in my life. I have already reached out to inform of this inaccurate reporting and to be corrected by removing. Not only have my rights been violated for reporting without my permission but this legit is not my account.
Product: Debt collection

A collection was added to my credit report for the amount of {$200.00}. The collection was added to my report by XXXX XXXX. The debt was with Capital One to which I was contracted to pay the credit card bill. The account was a secured account, to which my line of credit matched my deposit. I deposited {$300.00} to the account, which would cover the account if charged off. I have disputed this debt with XXXX on several occasions, due to the fact I do not have an agreement with their company to pay any funds to them. They have refused to send any signed contracts and only provide a bill that does not list the full details of the account. A representative was contacted on XXXX, to which I was advised an amount lesser than the full deposit amount was applied back in XXXX. I have requested this information multiple times as I may pursue legal action against the company. To date, no signed contracts or a complete breakdown of how this balance originated has been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is just ridiculous! Despite the multiple dispute letters and CFPB complaints that I have been sibmitting to the Credit reporting Agncies, the Credit Bureaus do not seem to give a XXXX about my Credit file! How many dispute letters and CFPB Complaints do I have to send to the Credit reporting Agencies for them to finally remove the disputed items completely from my Credit Report? I have been informing the Credit bureaus that I have been a victim of identity theft and that the items I am disputing were the results of such crime and I needed them removed from my Credit report! I have also been asking that the Credit Bureaus provide me copies of proof of verification from their investigation, that if the Credit Bureaus really did conducted an investigation. Under the Fair Credit Reporting Act section 605b, the following fraudulent accounts must be removed as soon as possible from my Credit File : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. The Credit Bureaus have been failing me lately and it will be not a big surprise if they would still not comply with the requests and continue their erroneous reporting. But if the Credit Bureaus would remove the disputed items, I will be truly greatful.
Product: Student loan

In accordance with the fair Credit Reporting act XXXX Acount # 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 602 A. States a consumer reporting company or website can not fumish an account with out my written instructions or Agreemnets.I did not Give experian.com or XXXX my written consent To Report these Six late payment negitive items on my Cridet. Please help me! Experian is the only credit place that is refusing to remove these Items all The other credit place have removed my negtive Items from the reports.
Product: Vehicle loan or lease

My vehicle was repossessed by Westlake Financial in XX/XX/2023. The third-party, who actually carried out the repossession, was XXXX of XXXX, North Carolina . During the repossession, there was damage to my under fender and kick panel, and the parts were placed inside of the vehicle. Upon pick-up and inspection of the vehicle, I notified XXXX of the damages. They initiated a claim and advised me to initiate a claim with Westlake Financial. I initiated a claim with my recovery supervisor, XXXX XXXX. My vehicle was just about paid off. Once I paid it off, the claim initiated with XXXX XXXX became dormant, and he stopped responding to me and taking my calls. I started speaking with a new recovery supervisor, XXXX XXXX. He has since escalated and reached out to the repossessions department to provide authorization to XXXX to fix my vehicle to no avail. Its now XX/XX/2023, and I just spoke with XXXX XXXX, who still does not have a response from the repossessions department, providing authorization to XXXX to fix my vehicle. Hes now advised me to wait an additional XXXX hours for an update, as hes done on subsequent calls. At this point, Im filing a formal complaint because their business practices and procedures in place have failed, and there has been no alternative course of action to rectify the situation and have my vehicle fixed. Once Ive paid it off, the responsiveness of Westlake Financial has been slim to none. The only resolution being provided is sending escalated emails and instant messages within their in-house departments in multiple attempts to get a response from the repossessions department and their communications with XXXX of XXXX XXXX North Carolina , either to have my vehicle fixed or to simply compensate me for the damages done to my vehicle.
Product: Checking or savings account

I responded to Citibank 's promotional offer in XXXX 2022. They sent me an offer to give a " bonus '' of {$1500.00} if I deposited {$200000.00} or more into a checking account. This was promotion code XXXX. I went ahead and opened the account & deposited the required money- transferring it from another bank account. When the approximate date for the availability of the " bonus '' neared, I called Citibank in order to determine that exact date. Over the course of several weeks I called on about five different occasions & asked that same question. Each time it took an inordinate amount of time for the bank rep. to get an answer. And each answer was different by days or weeks. At no time did any bank representative mention that my bonus offer would not be honored! In XXXX, 2022 I again contacted the bank and was told that I had not met the promotional requirements and therefore was not eligible. The bank had held my {$200000.00} dollars for six months and I had not earned one cent of interest or " bonus ''! I discussed the issue with " XXXX '' on XX/XX/XXXX and also " XXXX '' on XXXX XXXX. On XXXX XXXX I requested an " escalation '' ( their word ). Later, I received their letter dated XXXX XXXX which states that " my account does not qualify since the required deposit was not made per their instructions. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Received alert on XX/XX/XXXX from credit monitoring company that my XXXX XXXX XXXX has increased by {$1600.00} from {$0.00} Dollars. Last month I paid off that card and should have a {$0.00} balance and be paid in full with account closed. based upon the screen shot this has to an error on their part as the dates do NOT line up. They are saying that credit utilization as of XXXX XXXX was 0 % and at XX/XX/XXXX it was at 64 %. 

Equifax and XXXX both are reporting that both accounts have been closed and settled. 
See attached documentation ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX Opened XX/XX/2015 {$17000.00} Please review this account inquiry. I would like both investigated and fixed immediately American Express Opened XX/XX/2015 {$2300.00} Please review this account inquiry. I would like both investigated and fixed immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXConsumer Financial Protection BureauXXXX XXXX XXXX XXXXXXXX XXXX XXXX IA XXXXXXXX XXXX XXXX XXXX **Subject XXXX Dispute of Incorrect Late Payments on XXXX XXXX XXXX XXXX Account** Dear Consumer Financial Protection Bureau , I am writing to formally dispute the incorrect late payment entries on my credit reports from TransUnion and XXXX for my XXXX XXXX XXXX XXXX credit card account ( Account # XXXX XXXX XXXX XXXX These entries are not accurate and have negatively impacted my XXXX XXXX. 

**Details of the disputed information : ** - **Account Number** : XXXX ( TransUnion ), XXXX ( XXXX ) - **Account Type** : Revolving - **Account Status** : Closed - **Monthly Payment** : {$110.00} - **Date Opened** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - **Balance** : {$7000.00} - **Credit Limit** : {$7300.00} ( TransUnion ), {$0.00} ( XXXX ) - **Past Due** : {$0.00} - **Payment Status** : Current - **Last Reported** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - **Date of Last Payment** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) # # # **Discrepancies in Payment XXXX : ** # # # # **TransUnion : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) # # # # **Equifax : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

XXXX XXXX XXXX XXXXAction Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion and XXXX update my credit report to reflect accurate payment history. 
2. **Notification** : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from TransUnion and XXXX highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking account and savings account with First Citizens Bank in XX/XX/2020. I funded both accounts with a credit card. I funded each account with {$1000.00} ( {$2000.00} total ). I set up a direct deposit with my employer to deposit some of my paycheck into the checking account. A direct deposit was made. Additionally, I make multiple debit card transactions with the provided debit card linked to the checking account. I have not been able to log into my account since last week. I called the bank, they said my account had been closed. I asked why, I was given a run around and then spoke to a lady that said if I wanted to know why it was closed, that I should contact XXXX XXXX. Two days ago, XX/XX/2020, I received a statement from the bank in the mail. It did not say anything about my account being closed. I have not received any other correspondence from the bank regarding the closure of my account or why it was closed. 

I checked the statement of the credit card that I used to fund the account with. First Citizens refunded the card for the amount that I opened the account with even though, i paid the card off. 

I have not received any reason why my account was closed. Furthermore, I was not told by the bank that they were going to close my account or that they actually did close my account.
Product: Mortgage

I closed on my FHA Streamline Refinance at the end of XX/XX/XXXX with New American Funding. At that time NAF took 60 days of escrow. They stated they would be able to float the {$5200.00} that also needed to be applied to escrow. Prior to funding, I sent them a check in the amount of {$5200.00} to be applied to escrow and it was debited from my bank account on XX/XX/XXXX. 
All was well until I received an unpaid tax notice for my county taxes around XX/XX/XXXX. Why were these not paid is due to the company did not pull a recent tax cert but used one that was pulled at the time of application a month prior. I immediately called and it took a month to get my taxes paid and the issue resolved, I have emails of them admitting fault to this as well as them absorbing any and all fees that were related to the latency. 
I thought all was taken care of until I received a letter XX/XX/XXXX stating my escrow had a shortage and my mortgage payment was going to increase by $ 300-400 per month to repay the shortage. The reason for the refinance was to lower my payment not increase it by hundreds of dollars. 
I called on XX/XX/XXXX to resolve the issue and a gentleman with the escrow department ( very very helpful ) researched and did all he could. We found that only {$1100.00} was allocated to my escrow at closing ( 60 days worth ) This was out of his job grade and he had to escalate. I waited for two days for someone to respond and nothing. I then called yesterday XX/XX/XXXX and spoke to a customer service agent who then escalated. This customer service agent stated that there were notes that it was being researched and I spoke to another specialist on the XX/XX/XXXX that was working on it. That XX/XX/XXXX conversation never took place. I received an email the evening of the XX/XX/XXXX from the Director of customer service stating she is now researching and will get back to me when she has a response and has researched. 

Several violations have taken place here within RESPA guidelines and I am sure you CFPB is aware. 

Bottom line is ... I have no urgency from New American Funding to get this resolved. 

My {$5200.00} that was to be applied to my escrow is missing. They now state I have a shortage. Where is my money? I just want that amount applied to my escrow and this would all be resolved. 

Taxes were not paid at closing which is a violation. I would have never escalated this to the CFPB other than the fact that I have no urgency from them. Being in the XXXX XXXX   myself for many many years and fully understanding RESPA, TRID REG B etc, I am shocked that a mortgage company would act in this manner and not provide some sort of resolution for their borrower. 

Another note ... The CD and LE do not match even after I brought it to their attention which may be another reason I escalated this company.
Product: Money transfer, virtual currency, or money service

I transferd my XXXX money from XXXX to my coinbase acocunt on XX/XX/year>. The transaction XXXX  is XXXX and the receving address is XXXX. But i never receive it. When I contact the coinbase, they told me transaction was well received on their system but because the transaction was done with a channel which they don't support, the money can not arrive to my coinbase account. 
And when I ask them what can I do to have the refund or to debloque the money, they told me it's impossible and told me the money is " trapped '' in the blockchain. I request several times to access my money and ask them to send my money back, they just said the money is " trapped '' and they can send me the money back once coinbase developped and start supporting more new channel. I ask when, and they said they don't know. 

I tried to make a compiant on coinbase websiet but they make it impossible to make a complaint. 

I then understand Coinbase is a scam when I see other similar case on the internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account was in forbearance from XXXX to XXXX of 2021. The person handling the case at XXXX XXXX openly admitted to submitting my paperwork earlier than it should have been. Now its saying that I am 2 payments behind and they reported one already and it has dropped my credit score. I disputed it once and they removed it and my credit score went back to the original score. I disputed it again and it was confirmed that I was correct but they did no correct the report and my credit score was impacted again.
Product: Student loan

I feel that I was taken advantage of by XXXX XXXX / Navient from the beginning because of my age. XXXX XXXX never questioned my ability to repay my loan. They never considered my age when the loans were given to me. I am XXXX and have over One Hundred and Seventy Thousand Dollars in Parent Plus Loans. The total just keeps growing because I have been consistently pushed into Deferment/forbearance due to my inability to pay the large amounts they are asking for each month. I hand no way to repay the loans when the loan money was obtained and have been unable to get any reasonable repayment amount based on my income. I cant take {$500.00} to 600 out of my paycheck each month a still survive. I intended to repay this loan back in full but now I realize that I will not live long enough to even close. Please help me as my only way out is if I die.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX  % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You failed to respond to my dispute letter and you failed to verify that these account belong to me before the end of the 30-day period beginning on the date that you received my dispute letter. Under 15 U.S.C. 1681i, of the FCRA all unverified account must be promptly deleted from my credit file. The file listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately. 

You are also required to send me a copy of my credit file showing that these items have been removed.. Please provide me with a copy of an updated and corrected credit report showing these item is removed. 
account name account number National credit systems XXXX
Product: Credit reporting or other personal consumer reports

I have never given my unwritten, written, nonverbal, and verbal consent for any of my information to be disclosed to anyone or third-party. per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, XXXX, Lexus Nexus, XXXX. My information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.