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

XXXX XXXX has been reporting late payments on my 3 credit reports for 2 months now. 
The financed car with XXXX XXXX was involved in accident back on XXXX and XXXX XXXX found it total loss and paid off the car back on XXXX. But this company is ruining my credit history without valid reason.
Product: Money transfer, virtual currency, or money service

My cash app was closed today. 

They only state I violated their policy. I asked which policy and they just refer me back to the policy. 

Cash app allows me to purchase XXXX  and withdraw and send it to an outside wallet. 

Is this no longer allowed? I do not reach over my limits. I need to understand why my account was closed. I believe it was in retaliation from my previous report on XX/XX/24. They are upset I reported issues with withdrawing and their fees.
Product: Checking or savings account

citizens bank has a check from me and does not want to release the funds
Product: Debt collection

I have tried to get Enhanced Recovery to send me over proof of this debt and they have yet to do so. I have tried to despite this with XXXX also and they keep saying the debt has been verified but want provide me with the proof Im asking for if its been verified by Enhance Recovery. Its looking like they cant prove this debt and thats again all my right. I have been trying to get this debt settled since 2020 with both Enhanced Recovery and XXXX this is looking like fraud since neither one of them companies want to provide proof of this debt they claim I owe to Enhance Recovery. They letters I send off to Enhance Recovery regarding this debt they want even respond at all and thats again the law. I understand they have a 30 day investigation to do and send proof of what they claim I owe on the debt they have on my credit file.
Product: Credit reporting or other personal consumer reports

DELETE THESE HARD INQUIRES : 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: Debt collection

I spoke to Stenger & Stenger today and I was told that if I did not make XXXX payments of {$1900.00} to pay my debt, I would be taken to court. I can not afford to pay that much monthly and they said if I paid any less, I would be subject to court fees.
Product: Mortgage

My loan is at XXXX % XXXX as of XX/XX/XXXX When i fist noticed my XXXX was below XXXX %, I reached out to Roundpoint Mortgage XXXX to request to remove the PMI, nothing was never done about it. This was done back on XX/XX/XXXX I had made several attempt via email, chat options, and via phone but none was successful. I have made a total of XXXX attempts At this point what should I do next to resolve this matter. I really don't want to refinance into another loan company at all. 

The federal law states when the loan is below XXXX % PMI is automatically removed. 
and I have a conventional loan.
Product: Student loan

I was able to secure loan forgiveness through PSLF and payoff XX/XX/XXXX  for my loan but I still have not received my refund for XXXX  payments that were over the XXXX  qualifying payments needed for my PSLF qualifying payments. I searched online and saw that other students posted online that CFPB was able to help them.
Product: Mortgage

I had filed a previous complaint XXXX about my United Wholesale Mortgage loan number XXXX which prompted a response from XXXX XXXX XXXX Director of Consumer Affairs at UWM on XX/XX/XXXX, but they have not only failed to return the {$1000.00} in overpayments they have collected in error, they neglected to inform XXXXXXXX  their third party servicer to stop drafting the increased amount, and on XX/XX/XXXX, {$1800.00} was taken from my account. I confirmed today with XXXX at UWM that they received a refund from the overpayment of taxes and have credited my account on XX/XX/22 for {$1800.00}, but they have not refunded the {$1000.00} in overpayments they have taken from my account since this error. I have made several calls to XXXX and UWM since receiving the XXXX 'd letter from XXXX XXXX and although they have returned {$370.00} for the late fees and penalties they created by paying my taxes late, they have not returned my {$1000.00} or adjusted my payment. I should not have to wait for the return of my money, and I would like assistance in expediting the return of my funds.
Product: Money transfer, virtual currency, or money service

Coinbase has taken money out of my bank account, which was authorized. However, they have now locked me out of my account where I can not access anything. I can not buy sell or trade my virtual currency. That is theft. In any other forum, that would be known as a scam. My emails are now going unanswered, and there is no live person to speak to. All I want or desire is for my account to be unlocked so I can withdraw the money I have in there.
Product: Debt collection

Victim of Identity theft. Unauthorized charges, did not authorize any services. Disputed these accounts through creditor who stated they would be deleting account from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Equifax It was recently necessary to unfreeze my credit reports. XXXX  and XXXX  were no problem. Going on line with Equifax was frustrating and unsucessful. I had to call them numerous times, sat on hold for a total of more than 3 hours and was repeatedly disconnected when transfered from one agent to another. The final agent was uncooperative and kept asking about ancient credit card accounts for which I had no recent statements or cards. Although they all had XXXX balances, she would not allow me to change passwords or access the account.I recieved a letter after sending copies of my drivers license and XXXX card regarding inaccurate information on the account. There was none, nor did I complain about any. My credit scores are among the highest possible and I am not a deadbeat trying to better a poor score. It was completely inappropriate to treat a credit worthy consumer this way. 
I complained to the supervisor about the agent Equifax must be made aware that major changes are necessary. 











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

XXXX XXXX in XXXX XXXX talked to them that I was laid off from work needed so time to pay. They supposedly put in a problem for XXXX months so I can pay off the card. That is why I late for those XXXX months. Since then I paid everything in time. My calls into XXXX XXXX was recorded would like to go back and hear that conversation. 

XXXX XXXX also mention they would send documents over the mail never received them and my address on file was correct never change it. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am doing a follow up on the dispute I put in I received a email stating transunion was dealing my block for the money lion account. I had did a complaint on the money lion account on the XXXX for identity theft. I called and spoke with money lion myself and they stated they did not have XXXX account from me and that I had to dispute with the credit bureaus. I did exactly that and they are declining the block I have the conversation recording from me and money lion. I verified everything and informed them they were reporting my credit they stated they have no account of me and to dispute with credit agencies since it's on my report. Transunion is not following the law set in place and this is still on my credit. I have recently called XXXX XXXX to see about the information being reported on my credit and they told me to do this! Per fcra law- A copy of section 605b of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnishers of that information.
Product: Debt collection

On XXXX/XXXX/2015 I looked on my credit report and discovered there was A collection entry on my report that I was n't aware of nor did I know why it was there. The collection agency Eastern Account System reported to all 3 credit bureau that I have an unpaid bill balance to XXXX XXXX for the amount of {$1100.00}. Now The fair credit act states that I am supposed to be contacted by any one that collects a debt against me. I was not no notices no phone calls not even an email. Secondly, I have been a XXXX customer for 9 years or so and still to this very day. No deliquincies on my account nothing. Now how do I have another account with the same company open. Fraud this does not belong to me this should have never been reported and it should be removed right now!! People work had to mintain their lives every single and I do n't need his hindering me from my dreams. You have scarred my credit. My credit has taken a hit because of this and you need to rectify it right now
Product: Checking or savings account

I referred my friend, XXXX XXXX - I referred her and she completed the requirements for the promotional bonus to earn {$100.00} after doing the following - 1. receive a direct deposit of {$200.00} or more in 30 days and 2. spend at least {$100.00} on goods or services with their albert debit card. I have proof she used my referral link and completed the requirements. I was not credited for her referral and I am asking for the referral reward in the amount of {$100.00} be deposited into my Albert account.
Product: Debt collection

I am intrested in disputing all inaccuracies on my credit report with Equifax.
Product: Credit card or prepaid card

Chime customer service has been completely horrendous. I have went over and over with them. Ive never had the opportunity to work with someone with any understanding, autonomy or initiative. Often times we have a hard time understanding each other accents. 

I am really getting nervous that this will never be finalized and i really need my money. Chime has a credit builder that is hard to understand, deceptive and has a mind of its own. I believe the max i ever wanted to go into the separate chime credit builder account was {$1600.00} But before I knew it, my entire paycheck was being put into a credit builder account. All was well, looking forward to revolving credit. Being in finance and being the son to a bank owner, i know revolving credit is crucial to ones XXXX. 

Anyway, last year around the same time i had XXXX or so in my account. I was scheduled to receive my pay check. ON like the XXXX of XXXX I THINK {$6700.00} was clearly taken out of my account. All it said was credit builder payment. Normally you'll see credit builder payment but the money from checking then goes to your " credit builder account. But this appeared as though i had actually borrowed the money. The money from checking was taken out but it wasn't transferred like normal. I made a call that day and the customer service rep said " o that's really weird let me immediately file a complaint ''. Then unfortunately the next day i called and a separate employment check was deposited and the amount were similar. The employees were saying it transferred to you credit builder. BUT clearly it was from my employer XXXX XXXX. One guy told me my balance the day before and clearly identified it, but after talking to his supervisor he said it was right. When i asked for the balance again for documentation he refused to give it to me. IT WAS SUPER SUPER SHADY. Something is not right here. 

I have sent countless emails and no one ever helps. It makes me sick and has been so disturbing to think this could happen with a federally regulated BANK. I need someone to help me with this but it is impossible to get any help.
Product: Checking or savings account

BMO BANK N.A., Account # : XXXX Open Date : XX/XX/2017 Close Date : XXXX closed and reported under my name on XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Product: Mortgage

For my mortgage assistance application, I have repeatedly provided all paystubs for the entirety of 2024 and yet I continue to receive letters from SPS Servicing saying my paystub documents are " missing pages ''. 

This does not make any sense as paystubs are XXXX PAGE documents. I have sent them individually via the process set up on their website and received confirmation emails each and every time. 

SPS continues to hold up my application process and I am being denied my rights for timely action. 

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

Received an alert on a collection account on my credit bureau file. 

XXXX XXXX Account number - XXXX Account was opened on XX/XX/XXXX under my social security number but a different individuals name. Collection account was posted on XX/XX/XXXX for {$1300.00} Called XXXX XXXX and the collection company they moved the account too..Both non helpful ... just told to pay the debt and then try and get a refund even if it was there issue/problem.

Completed dispute with Experian on XX/XX/XXXX. No update..they sat the information is accurate due to the social security number used is correct and the first name of the individual matches mine but different last name on the XXXX XXXX account XXXX
Product: Vehicle loan or lease

Going through my credit report I have seen that Ally has been reporting negative remarks on my credit report for over a year now, severely crippling my credit score and chances for any new types of credit. They have violated 15 USC 6802 ( B ) I the consumer was never given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties. Also my credit report states that this was a loan, but it was indeed a credit sale another inaccuracy that violates 15 USC 1681 ( b ) which states following reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And finally per the FCRA as a Federally Protected Consumer I am opting out of any and all authorization I the consumer may have given either written, unwritten, verbal, or nonverbal. This said vehicle was sold at an auction at the end of XX/XX/2022 and they received a larger amount than what was owed, and continued to make my credit report suffer.
Product: Credit card or prepaid card

I Submitted an application through Wells Fargo and they are denying my application because I have a fraud alert this is against the law and they are violating my rights. They advised that they can not verify my phone number because of a third party company that they refuse to name. It is my right as a consumer to dispute any information that is not accurate to include a third party company not being able to verify my phone number that is listed in on my XXXX  credit profile and is also the same number they have verified multiple times in which I call them through.This is not fair and Wells Fargo is discriminating against me because I have a fraud alert.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to XXXX or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. 
NORDSTROM/TD BANK ***** Opened XX/XX/2014 Balance {$610.00} NORDSTROM/TD BANK XXXX XXXX XXXX XX/XX/2014 Balance {$610.00} NORDSTM/TD ***** Opened XX/XX/2014 Balance {$610.00}
Product: Mortgage

The lender is in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( ii ) due to actively proceeding to foreclosure sale set for XX/XX/XXXX ( Dual tracking ) while actively reviewing the file for loss mitigation ( loan  modification ) review. The lender was sent a loss mitigation application on XX/XX/XXXX and again on XX/XX/XXXX - the lender stated they never received the application sent on XX/XX/XXXX - We were advised of missing docs for the review as of XX/XX/XXXX and provided the missing items for the review as of XX/XX/XXXX on XX/XX/XXXX they advised all information needed for this review was provided and the file was sent to underwriting - we called for an update to the review as of XX/XX/XXXX - we were advised at this time the file was active litigation and all correspondences need to go through XXXX Atty. Up until this date we were provided all information on this file - Nothing has changed on this file to deem it a litigation file - We feel the lender is stalling this review so the sale date can proceed - we contact the XXXX atty ( XXXX XXXX, XXXX / XXXX XXXX XXXX - XXXX ) - this XXXX advised they know nothing about the XXXX proceedings they handle litigation. No one will provide us with an update or a postponement of the XXXX sale set for XX/XX/XXXX - we feel the lender is not willing to work with the client and has failed to do a complete and accurate review of the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information, including my name, Social Security #, address, birthdate, etc., resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Checking or savings account

I opened a fraud dispute under the claim XXXX, I said that all transactions made with my debit card ending in XXXX from XX/XX/XXXX are non authorized. Due a mistake from the representative he also included 2 transactions that were authorized by me on XX/XX/XXXX XXXX XXXX XXXX XXXX {$740.00} ( both same amount date and merchant ) So thats why the claim was denied. I need to reopen the case as fraud dispute taking out those 2 transactions from the claim. 

and also open another claim, merchant dispute for merchandize not received. card ending in XXXX XXXX ) XX/XX/2023 XXXX XXXX XXXX XXXX {$740.00} XXXX ) XX/XX/2023 XXXX XXXX XXXX XXXX {$740.00} both are an XXXX XXXX, the merchant must delivered the purchase on or before XXXX XXXX XXXX, they never sent the items. I tried to contact them by the website without any answer several times starting on XX/XX/XXXX I attached the letter from the bank highlighted those 2 transactions I tried to fix this by customer service, after speaking like 30 minutes with the representative the call was disconnected and I tried to call 5 times after and the answer was " we cant locate any account with that account number '', doesnt make sense if I gave the same information as the first call. Please fix that, I have the same problem many times when I call customer service.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : ( XXXX XXXX and Account number : XXXX ) Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

a store credit card for XXXX XXXX was opened in my name and has a balance and says i owe money this was fraudulent and is not my account.i am being harrassed by a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts with Creditor XXXX & 1 account with Creditor XXXX that were included in bankruptcy and discharged in XX/XX/2019 but they are all incorrectly showing collection/charge off status and balances. I have previously disputed and you found in my favor and corrected to included in bankruptcy but then they were updated right back to having balances and charge off/collection status again. I disputed again and now I am having to wait through the 30-45 day dispute process again. I need these fixed so that they do not continue to be updated back to what they were showing prior to the disputes. I have attached bankruptcy paperwork again for your review. See highlighted sections.
Product: Debt collection

Barclays credit card company. Debt was paid in full but company will not update credit report
Product: Debt collection

did not receive a court order to appear in court, being garnish for over 400,00 monthly by XXXX XXXX XXXX, no name on papers as to what co. I assume it was from bank of America for a credit card from XX/XX/XXXX or XX/XX/XXXX balance on card was XXXX XXXX, their bill XXXX XXXX.i received a check from bank of America dated XX/XX/XXXX. I paid insurance monthly covering the card in the amount of XXXX never cashed it first garnishment was XX/XX/XXXX no way I can afford this. Complaint # XXXX same as mine. Thanks