23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I have written to XXXX  on several occasions disputing the fact that the item listed below is incorrect. The credit bureau has either refused to respond, sent a " frivolous '' letter, sent a " working with a credit repair company '' letter, or continues to state that they have verified the debt. 

Let this be a formal complaint against Experian. The following account is an item the credit bureau has refused to investigate : XXXX XXXX # XXXX Please note, I have enclosed copies of letters sent to XXXX via certified mail and confirmation of receipt by the credit bureau . 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a recurring withdrawal set up with Coinbase to purchase {$25.00} every Saturday. This recurring transfer performed for three weeks ( XX/XX/XXXX, XXXX, and XXXX ). However, it did not occur the following Saturday ( XX/XX/XXXX ). I contacted Coinbase and asked for an explanation. All they did was " look into it '' repeatedly and then the representatives would respond with a generic cut and paste of how to set up a recurring transfer. I explained to them they did not answer my question, namely, why my recurring transfer was eliminated without my permission. I did not authorize deleting my scheduled recurring transfers but Coinbase could not give me an answer how it was deleted. This is clearly a security breach of some sort. 

Thank you, XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I spoke with a representative regarding late payments to my account which shouldn't have appeared on my credit report due to a loan modification that was made during Covid. A hardship was offered that was covered under the CARES act. She asked that I email a copy of my credit report showing late payments and that within 10days would be corrected. I've yet to see the correction of late payments that qualified as loan modifications for the following dates. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Attached is the email that was also sent XX/XX/XXXX. 
Thank you.
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. 
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 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: Mortgage

On XX/XX/XXXX I contacted Village Capital and Investment regarding excess funds from my escrow account from XXXX tax year that were never released nor applied to my escrow balance. I was told I would get a call back. I followed up several times on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Currently my escrow balance is showing a negative balance and I received a bill for this. I wait on hold for over an hour just to be told that the escrow department will call me back. At one point a representative claimed that a supervisor called me but I never received a call or voicemail. I have yet to hear back about the {$2000.00} that is not showing up on my account and has not been applied or used for any thing relating to my taxes and insurance. I have a copy of the escrow analysis and an email from Village Capital stating they would release the funds or apply to my escrow balance however, they did not do this. Village Capital also collected payments from my for 6 months without applying appropriate funds to my escrow account. They did not report my payments to the credit bureau and still have not reported my payments from XXXX. They charged me late fees on payments that I made and have given me no explanation nor the courtesy of a phone call or appropriate communication. This has caused me emotional distress and stress daily.
Product: Money transfer, virtual currency, or money service

On XXXX my PayPal account was used to send money ( {$40.00} ) to a fraud slant individual, PayPal refused to reverse the transaction and allowed the fraud to happen. PayPal is an unethical company that does not care about there customers.
Product: Vehicle loan or lease

XX/XX/XXXX car was disable when payment was made in full XXXX XXXX XXXX car payment was made in full payment XXXX ( i was told by an agent that there customers service billing was not updated so they couldn't see that i had made a payment ) my car stay disable all my job that's over an hour away for two extra days after the holiday. 
XX/XX/XXXX car payment made in full XXXX ( i was told that they phone billing system was down once again and they couldn't see that my payment was made in full due to they system being down ). 
XX/XX/XXXX payment was made in full online XXXX ( i was told by an agent they couldn't view my payment was made online due to they system not being updated ). 
XXXX XXXX car payment was made in full online for XXXX ( i call tried to speak with supervisor agent gave me the run around from XX/XX/XXXX, to XX/XX/XXXX trying to see why was my car disable when my car payment was made in full on XXXX XXXX. Waited on the phone for over an hour to speak with supervisor i asked agent for corporate number and never received it.
Product: Vehicle loan or lease

* I traded my leased a Nissan XXXX XXXX XXXX ( VIN XXXX, Leased from NISSAN-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX dealership XXXX XX/XX/2023. 
* XXXX XXXX of XXXX cut a check to NISSAN-XXXX  XXXX  XXXX XX/XX/2023 which was cleared on XX/XX/2023 * NISSAN-IXXXX XXXX refused the payment to pay-off this lease unit XXXX and they cut a new check on XX/XX/2023back to XXXX XXXX. 
* NISSAN-XXXX  XXXX  reported to created bureaus as nonpayment on my part. 
* My credit score was decreased by XXXX points. 
* To resolve I paid off the vehicle out of my pocket. 
* XXXX XXXX has informed me that they will reimburse me, but no XXXX shared yet. 
* Now my account with NISSAN is settled but they are not reporting it back to created bureaus to restore my score.

* Talked to NISSAN customer support at XXXX. They do not report the settlement to credit bureaus. 
* I am in middle of a home loan application which has a deadline of XX/XX/2023. 
* If my credit report is not corrected before that date, I will lose the house. 
* I have opened dispute with credit bureaus, but there processing time is beyond deadline for home application closing. 
* Attaching letters from XXXX XXXX and Nissan
Product: Student loan

I have had an IBR on file with the XXXX XXXX XXXX website since XX/XX/2007. The loan servicer has refused to acknowledge or honor the IBR on file, rather demanding that I submit individually to them, then not acknowledging receipt.
Product: Debt collection

Hello, I had credit card debt with Discover Bank in the amount of {$2300.00}. I was contacted by company called " XXXX XXXX XXXX '' XXXX, spoke with a person named XXXX XXXX. This person indicated that they were the new collection agency assigned the debt and if I did not set up payment arrangements with them right at the time speaking with them that they would place a bank levy on my bank account and just take my money. So I gave them my routing and account number and arranged 3 payments in the amount of {$770.00} and the debt would be considered pain in full. Afterwards I was contact by the actual law firm in charge of collecting the debt, XXXX, XXXX XXXX XXXX, XXXX. which then I realized I was scammed and XXXX XXXX XXXX had stolen my money. 

1st payment was an electronic check on XX/XX/20 for {$770.00} 2nd payment was an electronic check on XX/XX/20 for {$770.00} 3rd payment was an electronic check on XX/XX/20 for {$770.00} Total amount stolen {$2300.00} I have not been able to get back in tough with XXXX XXXX XXXX. They will not return my calls. I am not able to find their mailing address. We need to trace where the money went but I don't have the ability to do that. 

I am contacting my bank 's fraud department. I have contacted the law firm holding the debt, XXXX, XXXX XXXX XXXX. I have contacted Discover Bank. I will filing a police report. 

XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX Office : XXXX Fax : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the last date reported is not accurate. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) THIS IS GROUNDS FOR REMOVAL THEY ALSO violated MY RIGHTS UNDER 15 usc 1681 section 602 A states I have the right to privacy 15 USA 1681 section 604 A section 2 it also states A consumer REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS. 
Also the credit BUREAUS TOOK MORE THEN 30 DAYS TO COMPLETE MY INVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes in 2021 about this collection account on my credit report from Equifax. I have never had an account with XXXX XXXX so i do not know why it is reporting. I have asked numerous time for it to be removed to to how documentation or verification that it belongs to me. Each time Equifax keeps responding saying the account is mine but will not tell me how it was verified. They have not sent me a method of verification to this day! 
the account is : XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

My experian credit report has an account that does not belong to me. And then I tried to explain the matter to Experience by filing my dispute XXXX, noting specifically and details that this account has an address that does not belong to me and also it has a birthday that does not belong to me. However, the dispute results came back as accurate XXXX and I still have XXXX XXXX issues because of this unknown account. While the other XXXX credit bureaus have the correct information where that account doesnt appear on my report, experian keeps saying that it belongs to me and its accurate information.
Product: Credit card

Last week I have received letter from Bank of America dated XX/XX/2023 stating that they moved {$130.00} from my deposit account and applied it to the outstanding balance on my business card ending in XXXX. That alerted me to investigate why the was an outstanding balance on my account if I had plenty of money to cover my expenses from my checking account that I understood it will happened automatically. This Tuesday XX/XX/2023 i went to XXXX office to discuss this issue and get some personal service. Well even though the staff was very nice and accommodating, they could not help me beyond connecting me with credit card department on the phone, because my account got closed supposedly for not payment, that I found out at the bank, so thy in turn connected me with the collection department in the effort to collect some {$230.00} that was outstanding according to them even though they transferred on XX/XX/XXXX outstanding balance and no transactions where made since that time. That was news to me for I did not receive any previous communication from them and that should not be a problem because i hold personal credit card, personal checking account and saving certificates with XXXX and I am receiving regular communications from them for this accounts and they are in good standing. my personal account is being automatically being paid from my checking account. Now back to my Business Credit card. 
Effectively on XX/XX/2023 I was charge {$29.00} in fees and {$3.00} in finance charge, XX/XX/2023 {$29.00} in fees and {$4.00} in finance charge, XX/XX/2023 {$29.00} in fees and {$4.00} in finance charge, XX/XX/2023 {$3.00} in finance charges and according to the statement {$130.00} was moved from my privet account to offset payment, and today I was charged {$230.00} to pay off the closed account. When I was doing this requested payment on the recorded conversation with the agent I did say that I am doing it involuntarily. The agent name was XXXX and she introduced her self as a Senior manager and she did say that i can not escalate my case to a higher level and I said that I will file a complain. I was also given a phone number : XXXX in case I have any questions. 
I was denied a due process to correct initially the problem with automatic payment from my account. My reputation got tarnished with the late fees and the closure of my account,
Product: Credit card or prepaid card

XXXX everywhere card by XXXX had denied me MY CREDIT by discriminating me that I am not credit-worthy due to judging my credit portfolio. 

XXXX XXXX platinum and gold denied me MY CREDIT by descriminating me that I am not credit-worthy due to judging my credit portfolio.
Product: Checking or savings account

Check was deposited on XX/XX/18 through mobile check. I get a notice saying that my check was on hold. I went in person at the neares bank of america on XX/XX/18 and the bank teller told me theres nothing she can do to fix the hold on the check and to call customer service because they would be a better help. I called Bank of Americas customer service and was told that the check would be on hold for 10 days and wouldnt be available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Is reporting 13 HARD inquiries that where not made by me and are fraudulent. These inquiries where made fraudulently/unauthorized and was not given my consent to do so. Please remove them from all 3 credit bureaus if they are reporting to more than equifax. Thank you
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to you in my capacity as my next step is legal counsel by the name of XXXX XXXX XXXX XXXX XXXX, regarding this balloon payment loan account with Tower Loan XXXX. After a thorough review of the relevant documents, I have reached out to an attorney. The attorney has identified multiple significant violations of consumer protection laws, including the Truth in Lending Act ( TILA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ), which are all enforced by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). These violations require immediate correction, and I am formally requesting your prompt action to address these issues. 
I am writing to formally address concerns regarding my balloon payment account with Tower Loan XXXX. After careful review, I have identified multiple violations of consumer protection laws, particularly in regard to discrepancies in the account balance and improper interest charges. 
These violations are in direct contravention of the Truth in Lending Act ( TILA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ), all of which are enforced by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).
Product: Credit card or prepaid card

Previously filed a complaint through CFPB with PayPal Credit, but it's run by Synchrony Bank, so I'm filing another report for them. It's their website through PayPal Credit. When I try to pay my PayPal Credit online, I get an error - " Sorry, there was a technical error. Please try again later. '' Same thing if I try to look at my online statements! They had to mail out a hard copy of my last three statements. That's a huge violation that I can't view my statements! This has gone on since XXXX XXXX. I called countless times for them to fix it and they haven't yet, as of the XX/XX/XXXX. I was hung up on several times. The website is : https : //paypalcredit.syf.comXXXX XXXX is Synchrony Bank The technical error lies with them, but PayPal Credit was also very rude by hanging up on me several times!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX FCRA violations and and reports are listed in the I have had no knowledge of the creditors names obtaining any business with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as balance payment history it reflects as closed to my knowledge I have never had an account with this creditor XXXXXXXX XXXX XXXX opened XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as to balance payment history it reflects as closed to my know I have never had an account with this creditor XXXX XX/XX/XXXX showing on my report Closed paid never late I never processed a payment with this company nor have I had a account with them or obtained any goods or service payment history on this account is not consistent in which I find very odd All of these accounts are fraudulent to my knowledge I have never asked for any line of credit with any of the listed names above they dont list the original creditor with two account and no payment history which is incomplete and inaccurate violations of 15 usc 1681 ai for improper use of my personal information XXXX  and Equifax have inquiries that are listed that I have not given the creditor permission to open a copy of my credit report
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to complain about the way my bank, [ Bank of America ], has handled my claim of a fraudulent check deposit. My complaint number is XXXX and my claim number is XXXX. 

On XX/XX/2023, I deposited a check into my account after speaking with a bank representative. The representative told me that the only way to know if the check was valid was to deposit it. I did full research because the company that issued the check was suspicious, but I followed the representative 's advice. 

The check cleared and the funds were deposited into my account. However, after 5 days, I did not receive the job offer or the goods and services that I had purchased. I informed the bank immediately and was told that they would investigate the matter. 

On XX/XX/, the bank informed me that they were refunding the full amount of the fraudulent check deposit and considered the claim to be settled. This was after I submitted a claim with a police report and was told that there is no further investigation needed. 

However, on XX/XX/, I was debited {$960.00} for the fraudulent check deposit after the bank recontacted me after 2 month of the settled claim. 

I believe that the bank has violated my rights under the Consumer Financial Protection Act by : Failing to investigate my claim of fraudulent check deposit in a timely manner. 
Debiting my account for the fraudulent check deposit after I had already been refunded and the claim had been settled. 
I am requesting that the CFPB investigate my complaint and take appropriate action against the bank. I am also requesting that the bank be ordered to refund the {$920.00} that was debited from my account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On  XXXX / XXXX / 17 , I went to my normal ATM to make a fast cash withdrawal.   I was asked if I wanted to check my balance. I had never seen this before. I clicked yes because I did not think I could proceed to make my transaction unless I did.   Then when it was time to make the withdrawal, I was informed I had a  XXXX  dollar withdrawal fee because a different ba nk ( Citi ) now contr olled the ATM, not my bank (   XXXX   ).   I immediately cancelled the transaction. However I was charged  XXXX  to check my balance. I was never informed there was a fee to do this. I feel I was led to check the balance to complete the transaction, though I did not care if I checked my balance or not.   This was highly deceptive and I am upset about it this fee. I do n't know who to contact becaus e Citi is not my bank. While it is n't a lot of money, it is the deception and knowing they are doing it to lots of people. I came home and my husband had the exact same thing happen the day before. He cancelled the withdrawal as well. Please do something so people ( Tens of thousands I am sure ) know this is happening every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

heY so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Mortgage

Sold my home went to settlement on XX/XX/2019 however my husband unexpectedly passed away so I did not attend my settlement had my realtor do fir me - here is my complaint against Ocwen mortgage co my last statement from them gas my balance owing XXXX but at settlement they added XXXX more Dollars making my payoff be XXXX how can they lie like this?
Product: Checking or savings account

Yes, 1. I switched phones and i tried to use chase mobile.
i called the number and the phone represetative said he could help me and i asked if he was sure.
then he took my social security number and then said he couldnt help and hung up on me or transfered the call but either way this practice is disgusting.
2. the branch manager at chase in the XXXX or XXXX XXXX did not know how to do a wire overseas and gave me wrong advice and cost me 30 hrs of my time trying to get to another chase from XXXX nc where i moved for work.
Product: Money transfer, virtual currency, or money service

https : //www.coinbase.com/ has locked my account & funds stating " my account is under review. '' My account has been under review going on multiple months now. I have verified my identity 4 times using their identity verification process on their website and the account is still under review. I've submitted a ticket, Case # XXXX. It was suddenly closed on XX/XX/27 with stating that my issue was resolved. However, the issue was not resolved. I've contacted their support desk on their website multiple times and they would only reply with " Your account will be unlocked after it has been reviewed. I don't have an ETA for you. Please continue to wait. '' Coinbase won't release my funds either until my account has been reviewed. I have not broke any terms and services and I have not done anything fraudulent nor have I committed any crimes etc. Coinbase refuses to help or offer any assistance with this issue.