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

I have submitted multiple disputes with Transunion via Transunion direct dispute online regarding incorrectly reporting late payments for a XXXX account. The reinvestigations per Transunion were said to be confirmed by XXXX to be reported accurately. I have since submitted disputes with proof including statements from my bank and statements/emails directly from XXXX admitting they had inaccurately reported lates to the bureaus, without any success. Additionally, on XX/XX/XXXX I submitted a complaint through the CFPB, with no success. Transunion wont even reconsider my dispute, with the proof. I have attached proof from the company themselves stating they inaccurately reported a 30 day late XX/XX/XXXX, a 60 day late XX/XX/XXXX and a 90 day late XX/XX/XXXX. This needs to be updated as its affecting my credit and negatively impacting my current creditors willingness to extend and/or keep my credit lines open! Ive already had lines decreased because of consistent inaccurate reporting! I have also disputed with XXXX  and XXXX, both of which currently reflect the account as current with no negative information or lates reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously spent time and money writing to XXXX and the other bureaus regarding a Toyota account that was listing incorrect information on my credit report. I had insurance on this lease car ... In NY you cant have a new car without full coverage. I had an accident and this car was totaled and covered by the insurance company ( attached ) .. I noticed my credit report was reflecting this Toyota account incorrectly and I addressed both Toyota and the bureaus regarding this incorrect account. After several months and several written requests, Toyota AND XXXX   responded this account is listed 100 % accurate, complete, and verifiable as per FCRA law. Today, several months later, Toyota changes their reporting and send different data to the bureaus. Either they never performed the original investigation, OR they are in  violation of 1681i of the FCRA and both Toyota And the credit bureaus are liable in court. I am filing a complaint with my state attorney general and XXXX regarding this issue. If this isnt DELETED in 15 days, I will pursue my legal rights and finalize my FCRA attorney retainer agreement. I have all my written correspondence and the bureaus correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Read an online news article published XXXX/XXXX/XXXX about Equifax 's security breach that occurred XXXX/XXXX/XXXX and was not disclosed by them until now. I immediately logged on to their website and checked if my identity was compromised, I was informed by them on their website that my data was indeed affected/breached/stolen. I did not receive from Equifax, an email, a text message, a letter of explanation, nor a phone call informing me of their lack of securing my data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX  XXXX credit card account which reflect XXXX and XX/XX/2020 late payments on my credit reports.I had contacted XXXX   XXXX and fix the error and got a confirmation letter from XXXX XXXX which I sent copy of the letter to all three credit bureaus twice since XX/XX/2020, but no changes were done I am filing this complain because of negligence of credit bureaus.also attaching letter from XXXX  XXXX.
Product: Credit reporting

Someone used my Identity to open a line with XXXX XXXX, I fought the dispute thru my Life Lock account and they contacted XXXX and after much research XXXX determined It is not my account and I had no charges. XXXX sent me an email with conf # XXXX saying they will send it to all XXXX credit companies. I am still disputing this with equifax and I do n't know if its also on XXXX. Equinox says its still showing and it wo n't go away in 2 years? they should remove it because its hurting my score.
Product: Checking or savings account

Over the last few months I have been receiving excessive fees for insufficient funds. A few days ago a received a total of {$200.00} worth of fees on transactions that were {$0.00}, {$1.00}, {$0.00}, {$9.00}, etc. I have a problem on how they prioritize what they process first and what they decline. All these fees were charged to my account a day before my direct deposit was supposed to go through. When I called about getting some of the fees waived. I was told since as a courtesy I received {$170.00} worth of fees credit back to my account this year they cant help me, but they havent taken to account the hundreds of dollars they have also taken away.
Product: Credit card

I successfully disputed over {$77000.00} in charges for products that were not never fulfilled. Amex accepted my disputes over XXXX months ago and my account was credited. I requested the funds back and Amex has not sent the funds. They were supposed to submit those funds back to me within XXXX days of my request. And now they have held those funds for more than XXXX months, which is against their own terms of service. Attached are XXXX months of statements showing the credit balance. I simply want returned money Amex has already credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and have provided these documents multiple times. There is ONE account that shows up in collections that should not be there ( for {$140.00} ). As a result, I was recently denied a mortgage with NFCU when I have 100 % payment history and have no delinquent/derogatory debt as advised in the letter. All of my accounts are paid as agreed. I dont know what the bank is looking at to make this decision since I dont see it and would not think a home loan would face denial for {$140.00}. 

This adverse action is affecting my quality of life!!! 

Additionally, Medical collections/debts should not be showing up on my credit report.
Product: Debt collection

They call me daily, including on weekends, anywhere from morning hours to evening hours multiple times a day. The screen there calls and/or use multiple different numbers to bypass auto spam filters. They do this by using local area codes. 

They have continued doing this after i had requested that this specific company stop contacting me multiple times a day, every day. They call when. I am at work constantly to which I also explained to them I could not discuss personal financial matters during g the hours of XXXX EST to XXXX EST.This did not stop them. I was threatened by them multiple times and am continually harassed by them.
Product: Checking or savings account

IN response to my original complaint with US BANK U S Bank denied my request of the {$250.00} bonus. I would like to express my dissatisfaction with the decision. As any other entity allows a grace period of a few days whether it be a bank or mortgage or rent just to name a few. This is an outrage!!!

I did everything I was supposed to for completion of the requirements with the exception of being off a few days due to social security time frame { which took approximately three months to initiate ]. 
I would like to receive my {$250.00} bonus since I did keep the account open for the required time frame as well as direct deposits and keeping a require balance!!! 

Thank you XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I am a Coinbase user. In summary, my money from the Coinbase exchange has disappeared, as well as all the transaction history, it is as if the account has been reset.

I have been a Coinbase user since XX/XX/2021. 

Since that time and until XX/XX/2021 I have been trading with Coinbase. In the document " Access history '' you can see how I accessed on XX/XX/2021 ( from that moment I have been operating ). 

The problem comes when on XX/XX/XXXX I try to access my account and it asks me to verify my identity ( again ). I verify my identity correctly, although I already did when I registered in XXXX ( required to operate ). When I re-enter my account, my balance is XXXX and there is no transaction history in my account ( as can be seen in the document Coinbase Transaction History ). 

I have created a case in ( XXXX )- but I have no response, they always tell me that I have access to my account ( indeed, I have access, but it is not my cryptocurrency portfolio, it is at XXXX and without transactions ). 
On XX/XX/2021, I had around XXXX between BTC ( about XXXX ), EUR ( about XXXX ) and CARDANO ( about XXXX ).
Product: Checking or savings account

My name is XXXX XXXX, I have an account on Capital one Bank that has been froze since XXXX XXXX I deposited two checks from my business customers which is XXXX and XXXX auto insurance. 
They froze the two checks cause it was not written under my name. 
I spoke to them since XXXX they said it took only 90 days to process this investigation however it is over 90 days now and they said they need that hold harmless letter or woe ( without entry ) However I spoke with the insurances they dont issue it. 

This week i called capital one bank and they verified it is the bank of XXXX and allstate that will issue the hold harmless letter or woe. 

My concern to this matter because CAPITAL ONE BANK INVESTIGATOR is not making any actions to speak with the XXXX and XXXX. It is me who keeps on calling the insurances XXXX and XXXX didnt receive any calls from CAPITAL ONE BANK INVESTIGATOR. 
But CAPITAL ONE BANK said to me they send a required documents to XXXX and XXXX since XXXX XXXX.however XXXX and XXXX DID NOT receive anything from them since XX/XX/2022. 

On XX/XX/2022. Capital one bank said they will try to reach on me with the name investigator XXXX however she didnt call. 
This investigator is not doing any actions to our account to be solve right away since XXXX. 
This is my second time attempt to complain cause this Investigator is not doing any actions. The investigator is not even calling us to update the process they are doing. 
This investigator needs to reach on me and talk to me via phone atleast. 

Hope this complain will be solve asap. I have so many bills to pay just like you guys!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/15 I have an account that was opened in my name and i sent a letter to the creditor as well as XXXX. XXXX  allowed these accounts to be opened without getting the proper id and now these accounts are having a negative impact on my credit. I want them to send me idenification and solid proof that I opened this account not papers and activities that happen on the account because that's not helpful .... 

Jared XX/XX/15 Kays XX/XX/15
Product: Mortgage

They never offered me anyloss mitigation or offered forebearance even after it was offered to other members. They refused my hardship. They've been really hard to deal with in that they won't wait for the mortgage assistance either. Also they talked about my foreclosure with my exes parents outside of my knowledge. Soliciting them to help me avoid foreclosure. Also they violated our member bank contract where they cashed checks out of my account that were not signed by me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX my score was negatively impacted by USDE Nelnet reporting my loans 90 days late while loans were in consolidation. They obviously did this intentionally. I had no control on loans transferring to another services - Aidvantage. They are deliberately sending me in circles. Filed credit bureau disputes. They only updated line on loans. My score is still damaged. Im
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I request that you block and delete all accounts associated with this breach, as per my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX of the affected accounts is with XXXX XXXX, as outlined below : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of Account Opening : XXXX/XXXX/2020 Current Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX ( original XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXXccount XXXX, XXXX XXXX ( original XXXX Capital XXXX XXXX A account # XXXX, XXXX XXXXt # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer agency can not furnish an account without my written instructions
Product: Debt collection

William and Fudge debt collection keeps calling me many many times a day at weird hours and is also reaching out to my work, friends, relatives, and being very inappropriate. I asked them to stop reaching out yet they continue to do so and are being very inappropriate over the phone, even verbally escalating at times and I feel harassed and violated. This is the most unprofessional company I've unfortunately had to do business with. Due to financial difficulties with paying school loans trying to continue my education while working full time. I'm trying to settle the debt but need time and do not want to be harassed. In addition they are unwilling to negotiate debt at all. I want the harassment to stop, I'm treated like a criminal over a small amount of school debt.
Product: Checking or savings account

Chase closed my account and sent a check to me for my balance. 
Now I get a 1099-not showing that I received a bank account bonus and interest that was taken back! 
If I never received the income then I shouldn't have to pay taxes on it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit with a local XXXX XXXX because of a low credit score report from Equifax of XXXX. I tried to get the required free credit report from Equifax and only got the message that the report was " not available online ''. It is did give a reason why I could n not receive the report online so I called Equifax at XXXX and spoke to a supervisor named XXXX. She could not explain why I could not get the report online and could not give me anyone else to contact to get this resolved. I was able to pull my XXXX Report and it shows a score of XXXX. The reason I filed this report is that I have been denied my Equifax Report Online for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a loan to help for school this fall ( for my daughter ). Well I was told about some bankruptcy information I do not recognize at this time. The CRA stated Lexisnexis provided this information, so we sent a letter to lexisnexis disputing this information. We never heard back from them and while lexisnexis is a huge database of personal information this is not acceptable. I read on the ftc website they have to respond in 30 days and that did not happen.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found out that there are inaccurate accounts reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX C.U Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX C.U Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX & XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit card

My gas credit card account ending in XXXX with XXXX through Synchrony Bank was closed without my knowledge. 
I just got off the phone and was made aware that my account was closed due to XXXX returned payments within XXXX months that are on automated pay with my bank. 
When I asked the representative if anyone tried to contact me via phone about this, I was told yes, that they had called XXXX times. When I asked if anyone left a voicemail so that I could call them back, she said no. That they don't leave voicemail. 
My question was to them, How is anyone supposed to know who is calling, and what you're calling about if you don't leave a voicemail? 
We, as consumers, keep being told not to answer calls from phone numbers we don't recognize. So I didn't. But I do return all my voicemail. Also, I asked about where in my statement does it show that a payment was returned? And it doesn't. 
The actual verbiage states : ADJUSTMENT-PAYMENTS not RETURNED PAYMENTS. 
Then I asked how, would anyone that did not work for Synchrony Bank know that this is a return payment? She said, she didn't know but that's how they're statements are worded. The representative also stated that she was sorry, but my account was closed. That I could re apply if I chose to. Unfortunately, they dinged my credit by closing my account.
Product: Debt collection

My husband had a credit card for XXXX XXXX and the account was discharged in a Bankruptcy. XXXXXXXX XXXX sold the account to Midland Credit and now they are trying to collect from me for the same amount that was discharged. My husband s lawyer had contacted Midland Credit and they then removed it from my credit report. Now they are again trying to collect from me and are sending me notices. What do we have to do to get them to stop? This is the 2nd time I am dealing with this same issue. Please help.
Product: Credit reporting or other personal consumer reports

I started receiving emails from a Kohls email stating that I needed to take action on my account. I had not seen these emails before as I have always paid my credit balance promptly. I also did not show a balance on my credit card. I contacted kohls customer service multiple times through phone and website customer service chat. I asked if the emails I was receiving were coming from a legitimate kohls email so ensure they were not a scam email. I send the email address and asked if it was a true kohls email. I was told to ignore these emails as the email address was not from kohls and that they would never send emails like these to customers ( I have attached screenshots of this conversation ). I did as they recommended. I continued receiving the emails but continued to be told to ignore them. I then noticed a decline in my credit score and upon my own investigation found that it was caused by my kohls account. I again called kohls and after a long phone call and asking them to dive deeper, they informed me that the emails were in fact from kohls and although my payments were on time, they were from a kohls account. On the same call I changed the bank associated and continued paying all balances right away. I have attempted to dispute and request a credit correction from kohls twice and been denied each time.
Product: Mortgage

started a modification on loan 15 months ago they keep putting it off finding excusses why its not going thru. not putting my payments towards mortgage, reporting to credit iam not paying, now sending back my payments, company is nationstar loan number XXXX have been working with XXXX XXXX XXXX for 8 months now and she says she cant figure out whats going on they wont give her a answer, i have reported them to IRS, FHA, AND complaint department and called att, generals office and local news company, iam a XXXX XXXX  with XXXX county, everytime I get all paper work done they say either the notary stamp isn't right or they find something else wrong then cancel again, I just want it done so I can get rid of them, now they say they are going to foreclose on me even though I have made all payments and they are holding XXXX dollars of my money, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX mass XXXX email at XXXX XXXX
Product: Credit card or prepaid card

This complaint is in regards to my experience trying to pay a specific amount of money towards one of my carecredit promotional transactions. I have three promotional transactions on my care credit card at this time. Two of the transactions are fixed payments and one transaction is a deferred/no interest if paid off within 6months. I made my baseline payment of {$230.00} on XX/XX/XXXX. That payment amount is the minimum for all three accounts due monthly. I then called into carecredit and made an additional payment of {$190.00} via telephone with a customer service representative and asked specifically for the {$190.00} to be applied to the specific promotional transaction that is expiring on XXXX XXXX. The initial charge of that 6-months interest free transaction was {$470.00} and it was charged on XX/XX/2020. As of XX/XX/2020 the remaining balance of that transaction was {$380.00}. With the {$190.00} payment I made on the telephone on XX/XX/XXXX, I should have a remaining balance of {$180.00}. As of right now ( XX/XX/2020 ) my balance is showing that I owe {$350.00} with the promotional period expiring on XX/XX/2020. This is a blatant attempt by carecredit ( synchrony Bank ) to NOT apply my specific payments to this account in order to charge me the 26.99 % interest if not paid off in XXXX. At this point I dont know what to do. I followed their instructions and called in to specify payment allocation and they are still not allocating the payments as Im asking. I need your help as soon as possible as this is not being addressed even after multiple calls into carecredit customer service to resolve this issue.
Product: Payday loan, title loan, personal loan, or advance loan

First Franklin gave me an installment loan I defaulted on the loan and a judgment was granted to garnish payroll check. It was fulfilled and still showing up on credit as charge off and a ucc1 file against me with a XXXX which was never part of the Installment agreement.
Product: Mortgage

Hello My dad passed away in XXXX. I am legal his only heir ; and gained his home as the legal right of successor. The representatives of this company have given me misinformation all through the process & refused to accept payment from me. On the last call ; I was told that they have the information & can see it ; but its sitting in the wrong department ; therefore it wasnt processed. The representative also told me I need to apply for the mortgage & go through a whole different process ; which is not the right of successor that I am entitled to. Through this process they can deny me & keep the large amount of equity in the home. So they are foreclosing on me. The representative denied me a copy of the foreclosure letter & the right to speak to a supervisor. The representative basically told me it was my fault that the paperwork was sitting in a different office & not transferred to the correct department. 

I can provide documentation to support what I am saying & witnesses as well.