23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My name is XXXX XXXX, and I have Freedom Chase Credit Card. I called Chase about 2 months ago asking for an adjustment on my payment plan because I lost my job in the past and was unable to make payments on the due dates for a few months. Well now I'm stable and so I requested a new payment plan and due date. The customer service representative SAID she was able to set this up for me, and put me on a new payment plan where my credit card bill would be due on the XX/XX/XXXXof each month, and if I paid {$300.00} for XX/XX/XXXX and XX/XX/XXXXmy bill would go down to {$200.00} a month by XX/XX/XXXX. Little did I know this request was never actually put into action. Late fees started piling up, and the promise of the new plan wasn't fulfilled. I called Chase again after that after seeing my account of the late fees and the unchanged due date. The customer representative said it would be taken care of. I then call again two other times to see if it has been changed, and they reassured me it would be. Well, today, I look at my online credit card account and it still hasn't changed. They never even took the continuous late charge fess off for the last 2 months that aren't suppose to be there if they fulfilled their payment plan promise. No matter how many times I call nothing is changed or anything.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a wire to withdraw my funds of {$12000.00} from Coinbase to my bank account. The funds were immediately taken out of my Coinbase account, making them unavailable to trade or invest, which was expected as a wire is same or one business day. At the time the wire was initiated there was no warning of delay by Coinbase. Today is XX/XX/XXXX and I have still not received my funds and they are unavailable on Coinbase, unable to invest. I have emailed the company multiple times with no response. I have called them multiple times with no one to answer. The phone simply disconnects. I have written them on social media over 20 times with no response.
Product: Credit reporting or other personal consumer reports

I disputed the accounts on my credit report several times and attached the latest dispute letter with identity theft affidavit. I need the following accounts deleted. XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Also, delete all of these inquiries ASAP. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

since your credit bureau has not been able to work directly with the creditor to solve this issue, I am now requesting that you personally verify this account that you are reporting.

Section 609 of the FCRA requires that you, upon request, verify any accounts that you are reporting. And I am talking physical verification. I want a copy of the original signed contract. You can not legally report an account that you can not verify. 

I am asking that you send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below and if you can not I expect these accounts to be removed from my file immediately. 

I want to see the original contract with MY signature on it. I do not want a computer printout. If it does not have my signature, its not valid. 

Your failure to properly verify these accounts has put me in a bind and stopped me from obtain a line of credit.
Product: Credit reporting or other personal consumer reports

During the month of XXXX I decided to call XXXX XXXX  home loans to ask for help due to damages caused to my home during a storm not covered by my home insurance. During that request, I was offered a forbearance period of XXXX months. It was my understanding that payments would resume the month of XXXX based on the 2 month request I had made. I called XXXX XXXX  to ask why I was receiving late letter notices and was advised to disregard these letters due to my forbearance period. I am now being told that the payments were due XX/XX/XXXX and a 60 day delinquency has been placed on my credit bureau reports. I have spoken to three different reps and no one takes accountability for their mistake. This has severely impacted my score and I find the way this was handled unacceptable and damaging to the consumer. Please help!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A {$150.00} prepaid XXXX was issued from XXXX XXXX for signing on as a new customer in about XXXX XXXX. The card indicates it was issued from XXXX. 

The card was not used and shows an expiration date of XXXX. When the card was attempted to be used in early XXXX XXXX, it was denied as expired. 

I called the phone number on the card XXXX. They said that they no longer handle this card and referred me to XXXX XXXX. XXXX XXXX told me that it was true that they no longer work with XXXX, but that that there was nothing they could do, and that I had to work with XXXX. 

I found an e-mail address for XXXX - XXXXXXXXXXXX who I e-mailed the situation. They replied with a different phone number to call XXXX. I called that number, and based on the card number was referred back to the original number on the card referring to them as " Young America ''. The contact at XXXX said that it is called a sweep card and that at expiration all of the funds are removed from the card. I could not get an explanation of where the funds go. 

In another conversation with the original number listed on the card, I was again told that they " no longer work with XXXX XXXX, and that they transferred all of the information back to them '' Bottom line is that someone has the {$150.00} and it is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXXXXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$490.00} XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion, Equifax & Experian have violated FCRA by reporting inaccurate information to deny well-qualified status
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that my name is XXXX XXXX XXXX Im a natural person and consumer summiting this complaint as a victim of identity theft. According to the Gramm Leach Bailey Act lenders can not share my personal information with a third party and if they do they must give me XXXX XXXX XXXX an opt out form that allows me the option to opt out, of the contract. Which I was not given full discloser to protect the privacy and security of my non public personal information. XXXX, Equifax, and XXXX are in direct violation of the Fair Credit Reporting Act, The Gramm Leach Bliley Act and pursuit to 15 U.S. Code 1681c-2 Block of information resulting from identity theft. I am making a very clear demand to remove all fraudulent account listed below on my consumer credit report, within the next 4 business days as stated by law. 

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
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$170.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX is a collection agency that acquired debt from XXXX XXXX XXXX They are seeking to enforce XXXX XXXXXXXX XXXX rights against me, even though I have no agreement with them. XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX, XXXX, XXXX XXXX XXXX XXXX shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Experian, or XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of { { {$2000.00} } } in order to file as ordinary income. Where is my 1099-C XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. I demand that XXXX XXXX XXXX XXXX XXXX XXXX cease and desist all collect activity concerning my account number XXXX immediately.
Product: Credit reporting

Equifax, the agency that just does n't play well with others ... I had XXXX mortgage, not XXXX back in XX/XX/XXXX with XXXX XXXX XXXX loans, it was an interest only ARM loan that I should not have ever agreed to. As the it adjusted annually and our incomes declined we sent in multiple requests for help, lost paperwork, lies, threats, disappointment and then more lies. At least XXXX trees worth of paperwork. then it was transferred, I swear at least 3 times, I received a notification it was being serviced by XXXX from XX/XX/XXXX thru XX/XX/XXXX. Eventually we hired an attorney and after 2 attempts, the loan was finally modified. These places were very understaffed and overwhelmed I am sure. Mistakes happen and mistakes were made, were all human. As you can see, even though we received a settlement from XXXX, XXXX XXXX still continues to retaliate or more likely Equifax never really checks, they just say, " oh, sure we did and that 's what they are telling us '' then I receive more secured credit card offers, we all know what they are doing. You can see FH reports separately from the current mortgage holder, so it appears as XXXX different loans. I had the other bureaus contact them and they are reporting XXXX as agreed with no lates. I made the less than full payments as required for modification and eventually they completed the modification, took from XXXX XXXX to XXXX XXXX but, they pulled through for us. XXXX is AWESOME! In turn, they are not reporting in error for the time it took to process and the fact I sent them over $ 40k to catch up probably helped. What Equifax is doing is just frankly really uncool to me, they should delete XXXX XXXX, the last payment was in XX/XX/XXXX anyway and report XXXX the way the other bureaus and us agreed it would be reported. Let 's all move forward. thank you always, you are really amazing resource for the consumer.
Product: Debt collection

Evergreen note, called a person not listed on the account ( my daughter ), and proceeded to accuse her of lying that she was in fact me and provided confidential information. I returned XXXX XXXX phone call and notified her that the debt was paid at the end of XX/XX/XXXX. She reported that it was not. I told her that I had a report from XXXX XXXX that shows the payment was paid in full. She then told me that some of her other clients don't report to XXXX XXXX, so even though I had a report from XXXX XXXX showing the account was paid in full, it may not be so.

I then proceeded to ask her to only contact me in writing, and she told me that she wouldn't send me anything and this would be on my record forever. She also told me that she has been a debt collector since XXXX and is fully aware of what to do under the FDCPA.
Product: Credit reporting or other personal consumer reports

My credit report shows that I was late on my XXXX XXXX on XX/XX/year>. I was never late on this account. And am asking the CFPB to investigate this account, and ask the credit bureaus, for a statement proving that this late payments is accurate. If they can not provide proof. I am asking that the late payments be removed, and the status be updated to paid as agreed.
Product: Credit card or prepaid card

in regards to the open request for relief for the wells fargo credit card i have attached recent gas and electric bills that have caused my fixed XXXX income to no longer be able to maintain payments. I am the sole provider of the household and my fixed income is no longer enough. I am trying to secure work but the current debt has caused me to fail a financial background check for a security clearance. The attached bills are in the name of my wife.
Product: Money transfer, virtual currency, or money service

on XX/XX/23 I recieved a transfer of {$50.00} from my son 's vemo account to my XXXX account. I then did a instant transfer from my XXXX account to my valid chime account ( account ending in XXXX and card ending in XXXX ). My {$50.00} transfer from my XXXX account never made it to my Chime account. 
I contacted XXXX and XXXX research it for me. XXXX sent me some info ( see attached docs ) and said it made it to Chime ( never did ). 
I contacted XXXX ( manager at Chime call center ) XXXX said it was venmos problem. I contacted XXXX again and they said it's Chimes problem. I will escalate to XXXX  and attorney General if I don't get my {$50.00} transfer. Someone has it and it's not me!!!!!
Product: Credit reporting or other personal consumer reports

I looked at my credit report and notieced a Fradulent account and hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows a LATE payment in XX/XX/2020 which is NOT accurate.
Product: Checking or savings account

TD Bank and its sidekick XXXX are once again giving us problems and harassment as well as a complete and total lack of good customer service. For example, they can not or will not tell us if a client check that previously bounced to their lack of funds, was ever credited when the check was re-deposited. It seems to have merely " disappeared '' and even though we have emailed no less than 5 TD Bank Reps, no one has either returned our inquiries or has an answer for us. Second, we responded to a {$300.00} credit card chargeback more than 2 weeks ago supplying all written/documentary proof that the charge was authorized, signed for, goods/services/product received, but these idiots still have not returned the money that they stole from our TD Bank Account. Please urgently investigate and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked both of these companies for validation of debt. Original creditor XXXX   aka XXXX XXXX XXXX XXXX and debt collector Security Credit Services has only provided me with a letter stating that the debt is valid. Under the FCRA that is not proper documentation to be submitted to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In compliance with the Fair Credit Reporting Act, XXXX XXXX Account Number XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoken with representatives from this company at least 2 times per month beginning XX/XX/XXXX. They offered me accommodations due to Covid-19 by moving my due date and allowing payment arrangements until account is caught up prior to my account becoming late. 

PURSUANT to the federal cares act 15 U.S.C. 1681 if a furnisher was offering accomodations prior to an account becoming past due, the creditor/furnisher must continue to report the account as current. 

Santander did the opposite. They reported false, inaccurate info to the 3 major credit bureaus in XX/XX/XXXX and now because I filed a dispute with the credit bureaus they have now retaliated against me and reported past due in XX/XX/XXXX, as well. 

This is illegal and in violation of law. I've spoken with XXXX and advised him of the law ( Cares Act ). 

Santander has refused to continue to report my account as current affecting my credit score and the ability for me to get Financial assistance from the XXXX ( XXXX XXXX XXXX ) due to a XXXX point drop in my credit score. 

This is my final attempt before filing in federal court.
Product: Mortgage

We contacted Veterans United Home Loans for a pre approval loan. XXXX XXXX XXXX did not set the expectations of this transaction from the beginning. He approved our loan and then waited nearly 30 days to inform us about down payment and student loans which appeared, I feel, out of the blue once we did not use the realtor because she does not work with " for sale by owner ''. He simply responded with a " My bad '', and did not offer any counseling services, or discussed if we qualify for any programs. XXXX XXXX used the excuse of the XXXX looked like an XXXX which is just a rank, he had the proper financial documents from the beginning. We had already scheduled and paid {$500.00} for an inspection and mailed our {$1000.00} earnest money. we were under the impression everything was going smooth until loan officer XXXX abruptly told us unless we had XXXX to pay off my student loans he could n't help us and I 'm offened that he used the phrase my bad, feel the way he brought up the XXXX down payment was used as a way to quickly get rid of us ... this is a home purchase that I thought was going to go through, now I have no place to move to and need to get my children registered for school. My husband has served this great country XXXX. Did I mention we had already scheduled transportation of our household goods to the city where our home was supposed to be. Now I 'm staying with family. There is no way this this serviceman and his family should be without a place to live. Please look into this matter. We were treated unfairly! 

XXXX