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

Elan Financial closed my credit card account last year due to non-payment. The account has since been charged off. However, neither XXXX  nor XXXX  have the account closer date listed on my credit reports. Also XXXX  has a closure date of XX/XX/2020, but XXXX lists the date of closure as XX/XX/2020. Furthermore, Elan Financial has continued to report late payments after account closure. I can not possibly have any late payments on a CLOSED account. According to the Fair Credit Reporting Act any inaccuracies and inconsistencies regarding credit card accounts are grounds for mandatory removal of the account from ALL credit bureau agency records. Elan Financial has contributed to me not being able to obtain new credit during this past month. I am requesting {$1000.00} in compensation as well as immediate removal of this credit card account from ALL credit bureaus ' records including XXXX, XXXX, XXXX, XXXX, XXXX XXXX, etc. If this account is not removed from ALL credit bureaus ' records, I will seek legal action and further monetary compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/ XXXX XXXX unable to verify. They requested I reach out to Experian.
Product: Vehicle loan or lease

I have repeatedly dealt with this company in every department about the status and predatory lending that lead to this debt and the violation on how it was reported to my credit report after a voluntary repo due to hardships and maintaining this account as a XXXX citizen I have not gotten no resolution just executive responses stating this a legitimate status and its not and from XXXX til XXXX 8 years later this company is still ruining my credit as a charge off thats overdue for time length on my credit!!!!
Product: Debt collection

I received a letter for debt collection dated XX/XX/XXXX from American Coradius International LLC for an account in my name with my address for a balance of {$110.00} as of XX/XX/XXXX. 
I received this letter by mail on XX/XX/XXXX. 
Reference # on the letter : XXXX Creditor : XXXX, XXXX Account Number : XXXX However, I do not have a XXXX account. I have never had a XXXX account. 

XX/XX/XXXX I called XXXX customer support ( XXXX ) to report fraud and identity theft and requested that this account be closed. XXXX, the XXXX service provider asked to verify my e-mail address and last XXXX of my SSN. I declined to provide these as I did not want to give away further personal information. She told me she escalated this to her supervisor and that they would call me back today. I verified the number the supervisor would be calling back from and provided my cell # for call back. I did not receive a call back. 
I asked to know when the account had been opened and if it was opened with banking details. She declined to give me this information. She stated she would close the account. 

I have sent the letter back to American Coradius International LLC disputing the debt and asking for : Verification of Debt : I request that American Coradius International LLC provide verification of this debt, including details of the original creditor, the account number, and any supporting documentation that validates the debt 's existence and my obligation to pay it. and Cease Communication : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that all collection activities related to this alleged debt cease immediately until its validity is verified.
Product: Credit reporting or other personal consumer reports

A collection company XXXX XXXX XXXX acting for XXXX XXXX claims a debt is mine and has added an address that I have never lived at as an address on my credit report. As the debt is linked to that address and I have never held any type of residence at that address, and the collection company was the one that had the address added, it stands that the debt is not mine and is somehow being linked to me. I will not initiate discussing with a collection company for which I have absolutely no responsibility. Save for this added to my credit report I have never had any unpaid debts, at best this is an error and or a fraud perpetuated by someone else. I have no documents to upload or include as I have absolutely NO CONNECTION to the issue. After submitting a complaint to the CFPB, XXXX Credit Bureau reinvestigated and deleted the item to correct my credit report.
Product: Debt collection

I left my apartment before the lease was over and according to the lease I had to pay XXXX plus give 2 month notice. I did exactly that and was told they would rent the apartment asap ... they rented it right away and never notified me. I emailed them and they notified me i still owed XXXX soon after, i was notified after i again emailed them that amount owed was reduced to XXXX and i should call I Q Data international to pay this amount. I called this company and found out it is a collection agency. I tried to ask them for a payment plan and then offered to pay the full amt in 30 days of which they refused, screamed at me..put me on hold for a long time, refused to accept my check and said they would kill my credit and no matter what i did it would not be good enough. i asked for a bill and they refused to send me a new bill showing the break down of what i owed. i tried to deal with them XXXX and each time they wanted to know where i worked and threatened me with going after my credit. i wanted to pay this bill ... they kept saying a check was not acceptable. I dont know what to do at this point. they are horrible nasty people. i am trying to get in contact with my old apartment and ask them to take the money and send it to them as i can not deal with them.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Western Funding Incorporated on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but western funding incorporated took cash. The Finance charge is suppose to include insurance, but western funding Incorporated made me purchase insurance separately.
Product: Money transfer, virtual currency, or money service

I have been a premium/paying user of the Coinbase platform for over 5 years. I used their service to securely invest in cryptocurrencies such as Bitcoin. On XX/XX/year> I noticed all of a sudden my account which contained over {$12000.00} at the time in investments, was suspended when I attempted to login. 

I was not notified of any reason why this happened. I had validated my identity in the past using my license and passport. I can not think of anything I did to disobey their terms of service. I had filed a support ticket over 5 times since then and have not received any clear response or pathway to resolution. Their support team continually closes out the tickets without any path forward. It has now been over 5 months and I am unable to access my investment funds which is expected to have grown significantly since that time.
Product: Mortgage

Bank of America purchased our loan during the Countrywide Scandal back in XXXX. We financed with coutrywide in XXXX. 

Bank of America sold our loan to XXXX XXXX XXXX in XXXX as part of 91 % dumping of mortgage notes that is against the law. Bank of America can only legally sell of 51 % of notes. Our was one of those notes sold. 

As a result of the countrywide scandal, Bank of America ( aka BofA ) advised us we were to be part of the Bank of America  Debt Settlement Program which compensated homeowners for the subprime mortgage crisis. We tried numerous times via telephone and letters to speak to them about this and become part of the settlement. 

Shortly thereafter all mention of this program went away, NOTHING was found, even the number I had in my phone was no longer a valid number. It is as if this program was a fraud and never proceeded for any of the homeowners involved who lost their homes rather than being compensated as BofA told consumers they would be. 

XX/XX/XXXX a certified letter was sent and received by Bank of America, XX/XX/XXXX, stamped signature, unreadable, requesting the following which we have never received : 1 ) Original Promissory Note 2 ) Deed of Trust 3 ) All loan documents to include financed amounts, payment history, etc, transferred from Countrywide 4 ) All correspondence  regarding the Bank of America Debt Settlement Program for homeowners defrauded millions in this scandal. 

During this process, a government loan modification was done to transfer our loan to a conventional loan from the predatory adjustable loan countrywide signed us up for that was not clearly stated, hence the debt settlement program B of A offered to those homeowners defrauded for millions. 

This was never done, it went into another adjustable loan. Then the loan sold as part of the 91 % selloff of notes illegally to XXXX, which is a separate complaint.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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: Mortgage

Freedom Mortgage is reporting a payment as late on my credit report. In this circumstance, they do not allow 24/7 payments to be made. Therefore this payment was not 30 days late by choice, but by the fact that their system, because there was a holiday following the last day of the month, did not allow any online or phone payments to be made. This was actually due to a payment shortage of {$30.00} that prevented any part of this payment from being applied to my account, and outstanding payment. In observance of the fact that you did not have any available payments methods available to correct this shortage 24/7, we made multiple attempts to do this online but your system would fail to process it, and there were no phone representatives available, and your automated system would not take the payment either, even when trying to pay a full months payment extra to resolve a {$37.00} shortage. This payment shortage was due to you changing the mortgage payment amount twice within a 60 day period. Our escrow portion of our payment increased by {$5.00} one month, and then by {$37.00} the following month. On the next business day that your system was available to process this payment it was made in full, and the following months payment was made on the same day as well. No phone calls were made to point out the shortage in the payment that was made. The payments were on an autopay, but the increase in escrow was not notified in advance of the payment increase, and this was the first payment after the increase in payment. Also, the previous payment amount which was {$37.00} short, made on time, was not credited in the amount paid when received which was a violation. It was held in an unaccounted for account, but not applied to principal or interest or escrow etc. Also since your business had no ability to accept a payment on day 30 or 31, then the following business day that you would accept payments was when our shortage was corrected. This does not constitue a 30 day late, if there is no way to make a payment the day before the payment is late due to your business being closed for a holiday. See attached image where your system was unable to take a payment due to a holiday. Also, the following months payment could not be due on XX/XX/XXXX when that was a holiday, and your offices for also processing and receiving payments are closed with no method to post or initiate a payment. Also, our escrow account was negative due to a shortage from over 12 months prior, that they failed to average out, or to ask to be paid to put our account on pace to maintain our payment. See the statement where payment was sent in, but not applied at all to account.
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Hard Inquiries - Request for Removal under FCRA Section 605B Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution. 
Enclosed with this correspondence, you will find detailed documentation supporting my claim, including copies of my consumer reports highlighting the erroneous inquiry. 
I kindly request the assistance of the CFPB in investigating and resolving this matter promptly. Your intervention in correcting this mistake would be greatly appreciated. 
Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 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. 
For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX have violated my rights.

Under 15-USC, 1681 Section 602 states I have the right to privacy.

Under 15-USC, 1681 Section 604a also states a consumer report agency can not furnish an account without my written instructions.

Under 15-USC, 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.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, UT performed a procedure on me. We have XXXX XXXX XXXX and a secondary coverage with XXXX XXXX. I am XXXX XXXX XXXX and with this coverage I have NEVER had out of pocket expenses. I have received multiple dunning letters. I have had XXXX conversations about this with the XXXX 's billing service. They claim to not have the information for our secondary insurer. I have given them this information repeatedly. The last XXXX XXXX I received for this service stated the XXXX was over paid and was requested to repay XXXX {$140.00}. They continue to bill me {$69.00} ( I have no idea where this number came from ) and have now turned my account over to a collection agency threatening to ruin my credit. 

I think this is fraud. 
XXXX. Given our coverage I should never be " balance billed '' for anything. 
XXXX. If they are doing this same thing to thousands of other accounts we are suddenly talking about real money.
Product: Credit card or prepaid card

Filed a dispute XX/XX/XXXX for a purchase from XXXX XXXX XXXX XXXX for {$1500.00} which is a partial return from a total of $ 2k+. I asked XXXX XXXX XXXX to return the items as some of the items have arrived late. They gladly accepted the return and provided me with a shipping label. Now, they are saying they never got my items but this was after they sent me an email saying Thanks we have received your items and processing return. I then called XXXX XXXX XXXX  and filed a dispute. Charge was taken off my billing statement at that point and on XX/XX/XXXX I received a letter stating the merchant would not give me a refund because it was returned to the wrong address and they never received it. I then called and sent XXXX XXXX XXXX an email the same day with proof that this merchant provided me a return shipping label, a confirmation from XXXX tracking that it was delivered and a letter from XXXX XXXX XXXX stating they received my items. I called Chase back several times after this to check up on it and they kept saying to wait a couple billing cycles. So I did. Then on XX/XX/XXXX. I received another letter from Chase stating they would not give me my refund as it took too long to dispute. I then tried to call Chase back a few times and they kept telling me there is nothing they can do since the dispute is closed. I feel like they did not put in any effort to back me in this case. What else do i need to do to prove they received my items? I have provided them with all the documents they needed.
Product: Debt collection

I knew about this debt when I went to XXXX XXXX XXXX and the financial counselor find the debt in my credit report ; I sent the validation letter ending of XXXX, XXXX and I never got response, then I sent a XXXX letter in XX/XX/XXXX certified mail explaining to the collection company Fox Collection Center and the original creditor XXXX XXXX XXXX that this is an error and I don't recognize the debt of {$1300.00}. 

I have not received a response from the collection company until now. However, I received a piece of paper from XXXX XXXX XXXX with some of the debt information, but the list of the documentation supporting that this debt belongs to me was not provided ; such as the contract where appears my signature, the last statement, or any evidence that proofs that this debt is mine. The paper I got doesn't have my address where the service is linked and no information or address about the company or person to reach out to resolve the problem, neither the clarification if the debt was sold or the collection is working in behalf of them. According to the XXXX XXXX paper provided the debt happened between years XXXX and XXXX. It is importance to mention that the company is located in XXXX XXXX XXXX XXXX, XXXX, TN XXXX and I am living in XXXX since XXXX and I have my tax returns that prove the place I have reside, so it is impossible to receive a service in a city I was not living. 

In addition, I receive the electric services from XXXX since XXXX to this day and I am current with my utility bills. Previous to that I was paying the rent including utility bills all together and I didn't have any pending debt for that concept. 

I have tried to contact XXXX XXXX XXXX with my financial counselor by phone XXXX ( XXXX ) XXXX to verify if they offer services in XXXX and call was unsuccessfully because they have a machine and I couldn't get a human being to talk. 

I had already disputed this debt to the credit bureaus, but the collections/creditor has verified the debt to them ; therefore I am exhausting all my options to dispute and remove this debt from my credit report. This is something that is hurting my financial ability and I want a clear response to resolve this issue, because I want to prevent or resolve any possible ID theft issue.
Product: Checking or savings account

I had an IRA account with Ally Bank. I wanted to transfer that money to XXXX XXXX for a better interest rate. I submitted transfer paperwork in XXXX of XXXX. Ally Bank kept responding that the paperwork had not been properly signed by XXXX XXXX. This went on until XXXX of XXXX when Ally FINALLY ADMITTED THAT THEY WERE WRONG. The paperwork had been properly submitted and signed by all parties. 

This delay cost me roughly 5 months in lost interest. I placed dozens of phone calls to Ally and XXXX trying to get this resolved. Once Ally admitted their fault they told me there was NOTHING they could do about my lost earnings. 

I continued with my calls and demanded that they compensate me, they again said nothing could be done and I received a letter that said they are not in the practice of offering compensation to their customers!!! 

Their mistake and delay cost me $ $!!!
Product: Checking or savings account

On XX/XX/2023 I had received some money but then on XX/XX/XXXX I realized the money was no longer there. I then realized my bank card was also missing. Then I called my bank customer service and they told me that I could report any fraud until XX/XX/2023 which I found this very strange. After that I called XX/XX/XXXX and they said the money was in my account which it wasnt then a claim was made. Right after the claim was made they sent me a letter on XX/XX/2023 saying they were going to close my account. The bank institution is called citizens bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. its has been well over 30 days and haven't received any investigation results.
Product: Credit card or prepaid card

DEAR SYNCB/PAYPAL CREDIT CARD ( XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX ) ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being XXXX  with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

I have a Merrill Lynch account ( XXXX ), a company who belongs to Bank of America. I received a XXXX Check Written statement which is completed wrong. It shows that I wrote 4 check with a total amount of {$620000.00} ( XXXX XXXX XXXX XXXX XXXX  dollars ) for XXXX. I never have this amount of money in my account. 
I called Merrill Lynch on XX/XX/XXXX and on XX/XX/XXXX and asked them to correct my statement and send me a correct statement. They refused to correct my statement. 
I wrote a check on XX/XX/XXXX for the amount of {$200000.00} and another check on XX/XX/XXXX for the amount of {$25000.00}. Giving a total of {$220000.00} ( XXXX XXXX XXXX XXXX XXXX dollars ). XXXX XXXX XXXX XXXX XXXX dollars is the correct amount from 2 checks that I wrote for XXXX. 

I submitted an initial complaint done on XX/XX/XXXX through the XXXX. However this Complaint Case # XXXX has been closed by XXXX  on XX/XX/XXXX, due that Bank of America planning to respond me. 

On XX/XX/XXXX, I received a letter from Merrill Lynch which I am not agreed in his content. Nothing of this document explains or are related to my XXXX Check Written Statement, which is the main reason of my complaint against Bank of America. 
What I am requesting is to receive a correct statement that I made only 2 check transactions : One on XX/XX/XXXX for the amount of {$200000.00} and the other on XX/XX/XXXX for the amount of {$25000.00}, giving a total of {$220000.00} ( XXXX XXXX XXXX XXXX dollars ). Bank of America " inflated '' my transaction statement up to {$620000.00} without a reason or prove. 

You are an Institution to receive compliant from people, follow the results and satisfaction from clients and correct companies as Bank of America of mistakes or errors to prevent to do again to new clients.
Product: Checking or savings account

XXXXXXXX XXXX XXXX,, XXXX my banks customer service number and got a fraud Bank phone number . Called XXXX to Regions bank customer service number. They ask for ss number and banking pin. I gave it to them.. fraud Bank phone number.. The real Bank phone number is very very similar.. XXXX XXXX is correct number to regions customer service. They have my ss # and banking pin!!