23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/year> I attempted to make a payment to XXXX in the amount of {$5100.00} to completely pay off XXXX of my student loans. Immediately after, I was emailed the receipt for the payment of {$5100.00}. On XX/XX/XXXX, the transaction processed and the {$5100.00} was taken out of my bank account. Despite the correct amount leaving my bank account, only XXXX loan of {$1800.00} was paid off. It does not say on the website that the rest of the payments are pending, only that the payment of {$1800.00} was successful. It has left me confused as I have no information on where the remaining {$3200.00} has gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is incorrect : XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I reach out th the credit for the last two months regarding the incorrect information on file. 
I call and fax. 
Please help me remove the information above.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ask for proof of claim tnrough XXXX full accounting a true bill. Where relief can be granted. They are refusing this request. This is illegal. If they want to be paid, need full accounting of this debt! There was not full disclosure. So eye ' need proof of claim. XXXX is going along with the fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of starting a new company and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper XXXX is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I have this complaint against TD Bank - Account Mor Furniture For Less, my Monthly payment are {$170.00} every XXXX. I had set up automatic payments through TD Banks Website at XXXX had another account on the same Website through XXXX. I received a call from TD Bank saying that I was late with my payment due to wrong Bank account number I had provided I told her if she was sure because I had another account through XXXX maybe she got mixed up. So I paid {$170.00} didn't say anything about late charges or nothing. I contacted my bank and ask if there was any attempt by any Bank making a transaction on my account, my Bank said none was attempted or it would of shown up. I set up automatic payments for the XXXX of every month through my bank. I got a call on XX/XX/XXXX saying I owe {$25.00} late fee for my account to be current I asked him if that was all he said pay the {$25.00} and your account is up to date I said ok. On XX/XX/XXXX I got a call saying I owe {$40.00} late fee, so I told her I had paid {$25.00} on the XXXX and that my account was up to date the Rep said if I had a dispute go to their Website and fill a Billing Dispute Form so I did. I talked to Supervisor XXXX and XXXX who played part of the phone call recorded on XX/XX/XXXX, on that recording we both heard TD Banks Rep say for me to pay {$25.00} and my account will be current Til this day I'm still been getting calls and letters about being late with my payments charge {$40.00} late fees. I tell XXXX Reps my Bank sends the payment every XXXX he said they don't process the payment till 4 day later I told him does the system show that payment on time he said yeah maybe that's why I'm being charge late fees so I changed it to the XXXX. I filed a complaint with XXXX in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Fax XXXX XXXXXXXX XXXX close the file nothing solve.
Product: Checking or savings account

On or about XX/XX/XXXX I booked a hotel for an upcoming trip through USAA member deals, along with a rental car. Total for my 10 day stay was {$1200.00}. I paid with my debit card TO USAA Member deals. Upon arrival to the hotel on XX/XX/XXXX, I discovered it was " not as advertised '', i.e. no wireless, smelled like mold, and not a safe environment for myself and my child, so I checked out and booked a new room in a safer environment the same night. They would not provide me a checkout document as their internet was down, and they stated that, as I booked the room through USAA member deals, I could call them. I called USAA and let them know the situation, considering they host this location on their site as a member deal, on the XXXX as that was what I assumed was the next available banking day. I can not remember the name of the representative, but I let her know the situation, she could clearly see ( as I used the same debit card ) that I booked another hotel room the same night I was to arrive at my destination. She assisted me with the dispute. I offered, considering I did in-fact check in, to pay for the evening of the XXXX, but the full 10 days I was charged was not acceptable. The dispute filed by the agent resulted in a credit to my account for the disputed amount. I did not receive a phone call, an e-mail or any other correspondence. on XX/XX/XXXX, I receive a document stating that after a " thorough investigation '' I am liable for the full amount. I called on XX/XX/XXXX after I noticed the deduction, and appealed. I was told I would have a response within 5 days. I have not. I have already re-routed my direct deposits and cancelled the products I have with this company, however this is fraud and theft. I did not stay there. I called the people who took my money. Now they are denying that they are responsible. USAA hosted this location on their site. USAA deducted the funds from my account, now USAA refuses to return my money.
Product: Credit card

Navy Federal Credit Union failed to process IRS Form 1099C to cancel debt and failed to understand that The Uniform Commercial Code ( UCC ) contains rules applying to many types of commercial contracts, including those related to : the sale of goods the lease of goods the use of negotiable instruments banking transactions letters of credit documents of title for goods investment securities, and secured transactions. 
******** The credit card is covered by UCC. Navy Federals failure to Accept our Offer of Cancellation of Debt tendered using IRS Form 1099C is their acceptance under UCC that the full debt has been settled. 

Instead of abiding by UCC, Navy Federal Credit Union gave false information using wire in the interstate business of credit and negotiable instruments as all federal reserve notes are negotiable instruments and Navy Federal Credit Union violated Public Law 73-10 in specifying a form of species and failing to settle the debt. 

Please see NFCU response Subject : CC : IRS FORM 1099C and W-9 Navy Federal Response XX/XX/year> : UCC governs the sale of goods. No goods are exchanged ( neither bought nor sold ) between Navy Federal and its members. A line of credit extended by Navy Federal to a member to purchase goods is not governed by UCC.

Per the terms and conditions of the credit card agreement form ( NFCU 573 CC ) that was sent, payments must be made in U.S. dollars via mail, electronic transfer, or in person at a branch. 

We are unable to assist with settlement requests via our eMessaging system. We encourage you to contact our Collections Department directly to discuss your request. 

We can be reached at XXXX, ext. XXXX. Counselors are available to assist you Monday through Friday from XXXX XXXX  to XXXX XXXX, Eastern time. We look forward to speaking with you as soon as possible.
Product: Checking or savings account

Case # XXXX Case # XXXX Case # XXXX Managers XXXX & XXXX agreed that my card should havevbeen replaced inorder to prevent duplication & I told them that I been waiting for weeks for my money back & that they should use the priper chargeback reason code XXXX for merchant misrepresentation. My card was found at the gas station for 8hrs & I feel that it may have been compromised after its return. I'm still waiting for my money Im XXXX  they keep transferring my calls & wasting time not taking anything action to send my claims to XXXX. XXXX the only entity reserved to process & approve or deny claims and the analyst at Upgrade keeps rejecting to send my Disputes to XXXX to make the decision. I feel that is a violation of my rights.
Product: Credit reporting or other personal consumer reports

Im a victim of the recent Data Breach my engagement number is XXXX.According to 15 USC code 6801 which states protection of non public personal information ( A ) it is policy of congress that each financial institution has an affirmative & continuing obligation to respect the privacy of its consumers non public personal information Im demanding immediate removal of following accounts & inquiries list below.
Product: Debt collection

They keep calling my work number which is not allowed by my employer. Not sure what debt they are trying to collect as they have not sent me a letter. Call several times a day on multiple phone lines at work.
Product: Debt collection

Progressive Management Systems is the agent for XXXX XXXX XXXX have stated in a letter dated XX/XX/XXXX " XXXX XXXX XXXX XXXX has informed us that these accounts were initially cancelled as they were attempting to bill your insurance provider ; however, the above referenced accounts have been re-activated due to the fact that your insurance coverage termed as you were not eligible tfor the dates of service. Also you did not present your XXXX insurance information to your client and they were not able to bill in a timely manner. '' First, no services occurred on said dates in the total amount of {$150.00} dating back to XX/XX/XXXX. False billing. Second, if more XXXX was needed all that needed to be done was to contact my doctor and get authorization for more service. XXXX insurance was provided from day XXXX. Progressive Management Services and XXXX XXXX are irreputable institutions and have falsely accused me of monies owed.
Product: Debt collection

On XX/XX/19 at XXXX XXXX I received a call from a company claiming to represent XXXX XXXXXXXX XXXX   credit card collections. 
After I had told her I had a lawyer and was filing bankruptcy she began to ask more questions, I told her my lawyer would handle it, and she still kept asking questions so I just hung up. 
But They called before XXXX on a Sunday, and from what I understand that its against the law to be called before XXXX or after XXXX on a Sunday. 
Call was received from the following number +XXXX  ( XXXX ) XXXX This is after I have been called repeatedly throughout the weekdays days for this specific debt over and over multiple times a day. 
And now its even happening on sundays outside of hours.
Product: Money transfer, virtual currency, or money service

I wanted to take my money out of my coinbase account, but i am unable to do it. They are n't replying to my request on gmail and XXXX. I have been trying to contact since months but no reply.
Product: Mortgage

I recently refinanced my home and obtained a loan through Fifth Third Bank. I specifically chose Fifth Third since they had my original mortgage for 14 years and I knew they did not sell their mortgages. Selling of my mortgage is a concern due to the recession in XX/XX/XXXX. Several times during my conversation with Fifth Third mortgage employees and customer service representatives, I mentioned that being a consideration of mine in choosing to refinance with Fifth Third and the employees did not refute my statement. I received a letter yesterday, XX/XX/XXXX, from XXXX XXXX telling me my Fifth Third mortgage had been sold to them. I do NOT want XXXX XXXX to have my mortgage. What recourse do I have? 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in our dates [ XX/XX/2022 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshoot attached :
Product: Mortgage

On XXXX/XXXX/XXXX, I accepted an offer on my home. BB & T is the current financial institution holding the mortgage on the property and it is also the lender the buyer has chosen. All required paperwork was provided in a timely manner by both myself and the buyer. Everything moved along smoothly with the appraisal and inspection. Everything that was required from myself, the buyer, the realtor, and the closing attorney had been provided to BB & T over a month ago. A later closing date was scheduled for XXXX/XXXX/XXXX by BB & T to account for the new regulations. No communication was provided at any point by BB & T about any additional delay. When I inquired my realtor if the closing on XXXX/XXXX/XXXX was confirmed he stated that BB & T did n't indicate a delay but he would check, he later stated that BB & T drop the ball and the closing is delayed without an expected date. 
I contacted the MLO XXXX XXXX in regarfs to payment as it was due on XXXX/XXXX/XXXX the scheduled closing date, she stated to just wait as surely we would close in just a few days. Fortunately I decided to make a payment to avoid a late fee since a closing date was not provided. On XXXX/XXXX/XXXX a new closing date of XXXX/XXXX/XXXX was set. At XXXX XXXX on the night before the closing, I received an email from the realtor copying the MLO email stating that paperwork was n't ready and she was sorry for " the mess ''. 
Thus far I have lost over {$1500.00} in interests, taxes, insurance and utilities due to this unreasonable and unprofessional delay and at this point I do n't even have a closing date.. 
BB & T actions ( lack thereof ) are grossly negligent as they are not loosing funds by delaying the closing, the buyer and myself are. BB & T should reimburse XXXX of my and the buyer added expenses as well as punitive damages to the CFPB to set a presidence that such irresponsible behavior is utterly unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

I have been disputing with Equifax for several years now concerning the inaccurate reporting of information on my credit report. When I submit the disputes, the results come back verified, but I can not verify these account with the information provided on my credit report ( Account number, original creditor, collections ). Equifax also is report accounts as charge-off and closed, even though I have provided proof of accounts being paid by insurance companies and not having late payments. Additionally, Equifax is also reporting on account that have been closed 5-6 years ago and continues to report monthly with some updates being paid on-time and then late. This is impossible considering that the activity has been reported on the account since the account was closed and/or the last payment was made. Additionally, Equifax is verifying as accurate and verified even though there are HIPAA law violations, which I have mentioned before. Equifax also barred me from seeing dispute results. The results of much of those disputes are no longer available to me. The most recent time this has happened was XX/XX/2020. Additionally, I requested information from Equifax, detailing the independent verification process and methods used when verifying these account. I have not received a response. Much of the inaccurate information reported by Equifax has adversely affected my credit for years, which is a violation of my consumer rights under FCRA and FDCA. Additionally, I contact the accounts on file and many of these creditors were not able to provide me of the original contract with a signature to verify the account was mine. This was also report with not response from Equifax. Additionally, not all infromation is reflected the same across all three credit bureau 's with Equifax having the most discrepancies and inaccurate information
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment in question was made on time, as evidenced by the attached bank statements and payment confirmation receipts. 
There may have been a clerical error in reporting the payment due to inconsistencies between my payment records and the reported information. 
I have confirmed with my creditor that the payment was processed within the allowed grace period. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects on my consumer reports has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities.
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. 


has violated my rights. Or 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 reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX. XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, GA XXXX. 

Petition to remove inaccurate information from Credit file. 
My name is XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX. 
After reviewing my report I discovered that inaccurate addresses are still listed on my report. I have sent a letter severally to have this removed without any success. 
Kindly remove all other address. My correct is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX. 
Also remove all employers as they are inaccurate. 
I see also 1. Account number XXXX. 
XXXX XXXX XXXX Original Creditor : XXXX This Account is not mine and should be deleted. 
2.Account name : XXXX ( Original Creditor : XXXX  ). 
Account Number : XXXX. 
This Account is not mine and should be deleted. 
3.Account number # XXXX** This Account is not mine and should be deleted. 
I also request a speedy investigation and deletion as soon as possible. 
Signed