23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My daughter is refinancing and existing loan with SOFI which I am a consigner. However in the final loan discloser will not sent be sent to me as a consigner for approval. Two service agents told me the consigning application in essence says that that the cosigner agree to whatever term the primary borrow chooses. They also said say that final disclosed term will only be sent the borrow for approval. This does not seem right. The consigner should always be notified and required to approve the final loan terms. Does the law allow bypassing the consigner? If so, the law should be changed to required consigner 's approval of the loan terms. Also, both agents said that they have received many other complaints about this. It only reasonable the consigner to know and approve of exactly what they are responsible for. Attached is copy of the loan appilication.
Product: Money transfer, virtual currency, or money service

Coinbase is an online brokerage for XXXX and other cryptocurrencies. My family and I have 4 accounts with them. All of a sudden, we are still able to log into our accounts but the accounts are " restricted '' and it is NOT possible to make any transactions or close the account. There is NO one at the company to talk to ... only website inquiries. There are NO options to choose from regarding a " restricted account. '' I have used other forms on their website to submit an inquiry but for the last 4 weeks NO one has responded. I need someone at your office to either, ( 1 ) contact Coinbase for me, ( 2 ) email the a phone number at Coinbase where I can actually speak to someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting yet another CFPB Complaint to update and correct the following fraudulent information in my file. I do appreciate the time the Credit Bureaus take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask the Credit Bureaus to provide me documentation regarding the precision of the items in question. Please conduct another investigation into the items listed : XXXX XXXX XXXX XXXX XXXX, TX XXXX Please be advised that you are reporting the wrong address information on my credit report. Kindly delete this incorrect address right away. 
XXXX XXXX XXXX Balance Owed : {$3700.00} I am frustrated! I have been disputing for the correction of this account and yet nothing has been done! I formerly asked for the proofs of verification or documents to prove that the information you report are accurate or you correct this account completely from my Credit Report but you have failed to comply! Your willful non-compliance of the FCRA statute is a clear violation of a consumers rights which is protected by the FCRA. I am now requesting that you update and correct this account on my Credit report or you stop this erroneous reporting. 
XXXX AUTO XXXX Balance Owed : {$0.00} How many letters do I have to send to you to inform you that this Account is paid and the balance is XXXX? This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. Please delete immediately if unable to provide verifying documents!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Names : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX = {$1400.00} XXXX and XXXX XXXX XXXX XXXX # XXXX # XXXX = {$440.00} XXXX, XXXX. ACT # XXXX # XXXX = {$1200.00} Product : Credit reporting, Credit repair services or other personal consumer reports. 

To Whom it may concern, I am reaching out to you about my personal credit that is being held and decreasing because of these credit reporting agencies submitting false and inaccurate information. My biggest problem/complaint is that they are reporting and submitting information does not match on any of my credit reports between multiple credit bureaus. For example XXXX under one and the other XXXX XXXX  XXXX as well as inaccurate information like one says opened and the other closed for the same Account Number for the same credit reporting agency, most all of the reports do not match like one says ( XXXX XX/XX/XXXX & XX/XX/XXXX ) under the same account, the condition reported does not match either and are completely different under the same account. XXXX XXXX is named on my credit report with Original Creditor named as XXXX XXXX XXXX XXXX XXXX and in the other Bureau says XXXX BANK XXXX. All the Dates do not match and conditions do not match either for the same account. As for XXXX on my credit report it states for the Creditor Name : XXXX it does not specify who? What and Why? This is using misdated and misleading information against my name and personal credit report. I have been back and forth this past few years and now I am XXXX  after having XXXX XXXX XXXX XXXX I am now a XXXX XXXX  and trying to improve my life style. After and long road of recovery and still a long road ahead of myself I am asking help to have these removed so I can take control of my life and improve it. The Deeper Issue is that this still remains after several attempts and contacting the collector for antiquate proof or debt with my authorization or proof of it being me and/or exact dates of said amount owed. I get back letters with barely any information or no response at all. I strongly believe that this is holding false information against my name or even most terrifying that maybe they have the wrong person and taking advantage of my hardship. As a proper resolution I am asking that these be removed right away. I am begging and working my hardest on my own to adjust what I can in life and create a new beginning for myself being XXXX and my pets. I feel that most of these companies have completely submitted and created false and misleading information against my name and I am now just realizing how wrong and incorrect it is.This is  my last attempt to have this removed promptly from all credit bureaues and removed completely against my name. Also I will be submitting letter to Consumer Financial Protection Bureau ( CFPB ) for submitting false and inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Product: Debt collection

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 


Account name XXXX XXXX Account # : XXXX. 
Date Opened : XX/XX/2023. 
balance : {$6500.00}
Product: Checking or savings account

In using my personal Santander online banking system, I attempted to transfer funds from Santander account to an outside account at another banking institution, in the early XXXX hours ( XXXX ) Santander online system states if there is verification a passcode will be texted to authorize transaction. There was no text or passcode recieved. There was no email communication either. 

Later in the day, there was a missed call from Santander. 
In my attempt to call Santander back and find out why they called, I went into the online system and there was no record or review of the transfer I entered into the system in the morning. 

After multiple transfers with Santander bank, I was finally transferred to fraud. Rep stated I did transfer incorrectly. Then I verified with rep that the transfer was done correctly etc. No one within Santander could state why my funds were not transferred to my other institition!!! Rep acknowledged seeing transfers in the system ( they magically appeared after XXXX XXXX XXXX. which defeats purpose online banking and quick and ease! ) And rep intentionally did not assist with transfer!!! Intentionally blocked transfers after verifying it was not fraud and that I completed the steps correctly. 
Santander Bank has no right to hold, block me from my money!!! 
Transfer amount {$2500.00} on XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter out in XX/XX/XXXX to all credit bureaus to remove an account on my credit report that was in violation of FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The account is reporting inaccurate and different dates to re-age the account. Transunion shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. 
This affects the account date it falls off my credit report, This is a violation. The account was update by XXXX  from a Repossession to a Charge-Off on XX/XX/XXXX. There is no collection account attached to this account on my credit report.
Product: Debt collection

My information has been compromised and accounts have been added also all of my information is on the XXXX  Web
Product: Mortgage

XXXX XXXX - I applied for a home mortgage at Bank of America, completed all the paperwork, and was told 'everything looks good by Sales Associate XXXX XXXX . 

XXXX XXXX - XXXX called to get my credit card number to charge {$470.00} for an appraisal. 

XXXX XXXX - XXXX called and told me the underwriter denied my loan because he 'did not FEEL ' my situation merited a short sale. ' ( Note : I was applying for a morgtage, not a short sale ). There was no further explanation. XXXX was very terse, not his usual business voice. I was too stunned to ask any questions, so I hung up. 

XXXX XXXX - I Faxed a letter of appeal to XXXX XXXX, Vice President and Sales Manager, asking for, among other things, an objective explanation in writing for the denial. He emailed me that he would send it to the manager of UW ( underwriter? ) department. 

On XXXX XXXX - I emailed XXXX to ask when would I receive my refund of {$470.00} for the property appraisal since the loan was denied and the property was not appraised. He emailed he would take care of it. 

XXXX XXXX - I called XXXX to find out who I should call to find the status of my Appeal Letter. I got his voice mail advising callers to call his associate, XXXX XXXX. I called XXXX and he said the files show my loan as PENDING, not denied. He said the underwriter was waiting for additional documents. I told XXXX I had emailed the said docs to XXXX on XXXX XXXX but would resend them. XXXX said I should hear something by Tuesday, XXXX XXXX. 

XXXX XXXX - Called XXXX and left a message ; Called XXXX and again asked status of loan/appeal. He said the loan had been CANCELLED and the underwriter said I had garnishments, foreclosures, bankruptcies late payments, etc. 

I had a short sale 2 1/2 years ago and XXXX XXXX discharged the loan because of a medical hardship. XXXX knew this at the beginning and thought it might be acceptable to the underwriter. In fact, he indicated a former underwriter in his department looked over my docs and thought my issues " merited a short sale, that things looked good. '' I have NEVER had a foreclosure, late payments, etc. If that was the case why did XXXX accept my application in the first place? 
I told XXXX that was absolutely NOT TRUE and if that was the case, why was n't that information on my credit report and how could I have a credit score of XXXX. He said he did not know, he was just the messenger and he would have XXXX call me.
Product: Credit reporting or other personal consumer reports

In XXXX I opened a credit card with Bilt and immediately set up autopay for the full statement balance. Due to a documented technical error in their payment system ( which I have an archived copy of ), my first-ever balance of {$30.00} was not processed despite sufficient funds being available. I discovered this in XX/XX/XXXX when I found a 90-day late payment on my credit report. I immediately paid the full balance that day.

I contacted Bilt 's CEO in early XXXX requesting goodwill removal. Their team acknowledged the technical error and promised to work with their underwriting bank ( XXXX XXXX ) to correct the credit reporting. After over 12 months of follow-ups, they continue to claim they are " waiting for a response '' with no progress. 

This erroneous reporting has caused my credit score to drop by over XXXX points. I have been denied several apartment applications specifically due to this late payment. I was forced to relocate to find housing that doesn't require credit checks, causing significant disruption and expenses. 

All three major credit bureaus ( XXXX, XXXX, and XXXX ) continue to show this incorrect late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my transunion credit score on various sources on on XXXX and my transunion score was XXXX XXXX even XXXX something I believe at one point.

Then applied for a loan at XXXX  and now the score is unavailable online and I was rejected for the loan and they only give me feed back of a transunion score of XXXX.

I was just at XXXX or higher when i applied how did it go down? I didn't miss any payments in fact I paid off my credit card. I only have 1 card left. I don't understand my credit is not even that bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX is a chargeoff account that as already been sold but is still reporting late payments along with XXXX XXXX. so that's a double reporting on one account which is a violation and after disputing this inaccurate information both comenity, and XXXX  says the account is verified. how can an account be verified but still reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

Everytime I complain about Equifax they RETIALATE WITH MY CREDIT AND FICO SCORE FOR NO REASON THIS IS ILLEGAL BECAUSE EQUIFAX DOES NOT DO THEIR JOB AND LIES ON PEOPLE 'S CREDIT REPORT THE INFORMATION. NOW THEY DROPPED MY FICO SCORE AND MY CREDIT SCORE FOR NO REASON WHAT XXXX INCREASE ON A CREDIT CARD?? 

THIS IS A JOKE CFP PLEASE FILE A COMPLAINT AGAINST EQUIFAX FOR FRADULENT REPORTING AND RETIALITING AGAINST CONSUMER FOR REPORTING THEM.
Product: Checking or savings account

I have a spend account with credit karma and a credit builder save account. I contacted the company on XX/XX/year> to close both accounts and transfer the remaining {$300.00} balance and i was advised no representatives available and to expect a email to follow up and close accounts. I have never had issues closing an account and getting my money before and i am not okay with this process. Its my money i should be able to access and close the account when i need to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 : states I have a right to privacy.

15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not Treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Product: Mortgage

Truist Bank sends me letters on a monthly basis to tell me that I do not have homeowners insurance. I sent them proof from my insurance broker who sends them updates EVERY SINGLE time they send me a letter. They correct it for a few months then they send me another letter to say they will automatically purchase policies for me when I'm already insured. Then even after providing proof they still purchase a {$22000.00} policy and my mortgage payment goes from {$5600.00} to {$9000.00} without any warning and I'm told I now owe overdraft fees. 
Who is going to hold this company accountable for fraudulent business practices? 
I have to provide proof of wind, flood every 3 months - Why? 
I have every single letter they've sent me and can provide these as proof including all the policies they purchased for me automatically. 
I would not recommend anyone bank with Truist or obtain a mortgage from them as they clearly practice fraudulent business.
Product: Credit card or prepaid card

For some reason or another this XXXX has left me in a very disrespected and confused position. They removed normal access items from my dashboard ; I can not request a credit limit increase, I can not adjust account notifications, I have not once in almost 2 years received any type of limit increase. This is very frustrating as it is amongst my only credit cards with a fee, it is the XXXX longest tenured, and by far my lowest available limit. For example, these are my limits with my other credit accounts ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and a few business accounts as well. Every account I own is in great standing, great payment history, and always paid in full. They have refused to respect and acknowledge me as a high value, high credit score, and high income consumer but rather the exact opposite. I've reached out several times to receive transparent communication to what seems to hold the growth of my account back only to hear responses like, '' I'm sorry, you should be eligible '', " Your account history is incredible '', and much more. If I'm not wanted as a customer, then don't approve me, but don't hinder my financial growth and scores because of whatever system bias is in place.
Product: Debt collection

On XXXX it is showing a new debt of {$840.00} I do not owe and this company is unknown to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TRANSUNION DISPUTE DEPARTMENT an FTC Identity Theft Report, Cover Letter, a color copy of my ID, a color copy of my Social Security Card, and a copy of a bill with my address on it via certified mail with a return receipt on XX/XX/ in regards to a fraudulent account reporting on my credit report. This account is a XXXXXXXX XXXX  account ending in XXXX. Pursuant to 15 U.S.C. 1681c-2, TRANSUNION had 4 businesses day to legally remove the account from my credit report and failed to do so. The account was deleted. BUT on XXXX  TRANSUNION reinserted the fraudulent account on my credit report. I then filed another FTC Identity Theft Report and sent a copy of that, a color copy of my ID, a color copy of my social security card and a copy of a bill with my address on it, again, via certified mail with a return slip on XX/XX/. Again TRANSUNION had 4 business days, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, to remove the account from my credit report. After over 45 days, which is past the 30 days they have to comply per the Fair Credit Reporting Act, TRANSUNION removed the account. As of today, the account was reinserted AGAIN stating that they " verified '' the account was accurate. This makes no sense. Why would I filed Identity Theft TWICE on an account that was mine? Plus- In order for TRANSUNION to " verify '' the account, they are to send me an Affidavit of Verification signed and sworn under oath. TRANSUNION is violating my federally protected consumer rights under the Fair Credit Reporting Act. The reporting of this fraudulent account continues to cause me and my reputation severe harm and discrimination.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

CEDAR FINANCIAL, ILLEGALLY TRYING TO COLLECT DEBT, ... IF NOT REMOVED PROMPTLY I WILL SUBMIT A COMPLAINT TO THE FEDERAL TRADE COMMISSION AND XXXX.
Product: Student loan

I have XXXX lenders stating that I owed them a {$4000.00} loan from XX/XX/2006. I have a private loan but it not them. I am attaching documentation from University XXXX and neither of them is the Lender. They are destroying my credit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Navy Federal Credit Union XXXX, XXXX XXXX XXXX XXXX has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Michigan Docket # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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