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

I am a longterm Customer of XXXX as I have a XXXX XXXX  and have participated in two balance transfers. My credit score was XXXX and is now down to XXXX, and this is after paying down three accounts. When I initially complained to XXXX they clearly stated that my score had dropped based on the FICO Score 8 based on TransUnion data. I spoke with FICO and the response was nonsencial. In addition to filing this complaint, I am making a strong complaint woth Senator XXXX XXXX, our Senator. I demand that my Scor is returned to XXXX Plus. I have completed two balance transfers in which acounts were paid off. I am slso sending this to our local newspaper, The XXXX  and the XXXX XXXX. See suporting documents.
Product: Credit card

Synchrony bank charged me a late fee of XXXX when I paid on time on XX/XX/XXXX. That is the due date and that is the date they received the payment. My statement indicated that my minimum payment was XXXX, I paid XXXX. They later told me the minimum payment was XXXX. This minimum payment was never committed to me Prior to the due date of XX/XX/XXXX. For more fun from these thieving rats, I paid XXXX on XX/XX/XXXX to ensure no further fees will be charged and to get rid of this headache. NOW, they are not considering this payment for XXXX inclusively and to top it off they are not providing a minimum payment due for XX/XX/XXXX, so I have no hope of meeting the minimum payment amount Cause they are not providing that information. Thieves
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2013 with an amount of {$30000.00}
Product: Debt collection

I have trid to contact this company they will not respond to me. They are suing me. They lied and said i owe them i dont. They said they called me they cant one because they dont have my phone number. Secondly, i asked to be emailed only about this debt, verify it was mine and send proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI attempted to modify my 2nd mortgage with CitiMortgage. I was told by a Citi employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with Citi stalled, I received the attached letter from Citi stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. CitiMortgage is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of credits and charges. This issue aligns with the recent CFPB findings against Navy Federal Creidt Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX made a big error there are 15 lates in a Mortage for XXXX XXXX,,,, I already made a disputed directly to XXXX XXXX they never fix the problem I also did a Direct dispute to TU also didnt fix the problem they made a big mistake I am having Big Financial difficulties getting a loan to buy a Truck I need to work in my Company job position I end up making a complaint to you since is my last resource for getting Good results in my favor ... .They did report 15 lates in 2020 under the CARES ACT protection no leders or SERVICERS have to reports any lates under this protection .see attached proof of 15 lates and disputes made
Product: Credit reporting or other personal consumer reports

The XXXX account was opened in XX/XX/year>. I assumed it was for a line of credit. The company charged my checking account {$35.00}. The next payment will become due XXXX, XXXX, XXXX. After further investigations into the company and found out that it was a credit building account, it was cancelled by me on XX/XX/year>. The agreement was XXXX. As a result of this action : all associated or linked payment methods, and autopay will be turned off for this account. My account will be reported to the credit bureaus as closed during the next reporting cycle where applicable, I do not owe XXXX any further payments on this account and once an account has been closed, they will not be able to resume it at a later date. My account number was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to XXXX XXXX mini of times indicating that this account was fraudulent I have also filed a police report a consumer protection bureau, And I have also filed a report with the federal trade commission ... ... under federal law because My identity and/or my Social Security number was used fraudulently under federal law XXXX must remove/ report This information to the creditors and remove this negative information off of my report under federal law Section 623 ( a ) ( 2 ). 
Section 605B
Product: Debt collection

This account on my credit report does not belongs to me and I have submitted my identity theft report that I was told to do
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ( Original Creditor : ) XXXX Balance : {$300.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Summary : I attempted to pay off my student loan debt. I am discovering now that I was given incorrect information and I am now being charged a XXXX % collection fee which amounts to {$640.00} on top of what I thought was my final payment of {$3600.00} to close out this account. 

1. - XXXX/XXXX/2016 - I called to pay with my debit card, since I was unable to online, which would have been an immediate payment within the 60 days - and I found out that I could n't and had to pay by check. I received a 2 day payout amount of {$3600.00} via the automated line. 
2. - XXXX/XXXX/2016 - I called to confirm the overnight address ( because the original address I was given did n't match what I found online ). I was advised that I could overnight payment XX/XX/2016 to arrive XX/XX/2016 to payoff the student loan in the amount of {$3600.00}. 
3. - XXXX/XXXX/2016 - payment should have been received, but may not have been forwarded to the correct department for processing? 
4. - XXXX/XXXX/2016 - payment was indicated as received ( advised XXXX/XXXX/16 by XXXX XXXX Escalations Dept. USA Funds ) 5. - XXXX/XXXX/2016 - advised by XXXX that the amount of {$3600.00} was not the correct amount to pay despite it being the amount given by the system and XXXX subsequent representatives. It should have been {$3600.00} -- which I was never advised of, otherwise I would have happily paid that amount. 
6. - XXXX/XXXX/2016 - advised by XXXX that the information I was given in XXXX was incorrect and the payoff date was XXXX/XXXX/16 and even paying on XX/XX/XXXX would have been late and incurred the late charge. 

Concerns : 1. Why was I not allowed to pay by card on XX/XX/XXXX or XX/XX/XXXX - in which this entire issue would have been moot. 
2. Why was I given the wrong amount? I would have easily and happily paid an additional {$7.00} to be done with this situation. 
3. Why would I have overnighted payment if I had been advised that it would n't payoff and close out the account. 
4. Why is there a XXXX % fee ( original payoff amount given {$3600.00} - current late collection amount {$640.00} ) for a payment that is by their own assessment at most 48 hours late. 

Despite doing everything I could to collect the full amount and pay it on time, then jumping through the additional hoops of having to pay it by check and overnighting the payment ... I was very surprised to find that I again owed them a XXXX % fee of {$640.00} which feels outrageously high in any situation, but particularly on a debt that was by their account 48 hours late - but only due to USA Funds own processes that feel like they are built for the consumer to fail.
Product: Mortgage

Carrington Mortgage is charging a {$35.00} overdue fee for XXXX unauthorized appraisals/inspections - XXXX on XX/XX/2016 and the other on XX/XX/2016. In the past year, my mortgage payment has increased {$95.00} ; no prior notification regarding the higher payment was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 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 XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDITREPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I have been trying to verify my identity on Coinbase in order to sell some of my cryptocurrency. Multiple times I have tried to sell my Ethereum and have not been able to sell as much as I wanted to because Coinbase wants me to further verify my identity. I have provided government issued ID, my name, address, etc already. Where the problem lies is that Coinbase wants me to provide and verify my social security number. Despite trying several variants of my address and name I have never been able to accomplish this! After a few tries I am asked to wait 24 more hours. I have a middle name and I am the third, so perhaps that is where some of the ambiguity comes in, but despite trying several address and name variations nothing ever works. This is particularly distressing because I would like to move my Ethereum holdings into a more safe asset ( dollars ) and watched myself lose significant amounts of money because I was unable to do this. I understand rigorous KYC and AML is necessary but your verification services are non-functional beyond reason.
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on my Transunion credit report as someone tried to apply for a credit card with XXXX  XXXX XXXX ON XX/XX/year> without my consent or knowledge
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

inquries were removed and re added without notice or reasoning List all inquiry names and dates
Product: Vehicle loan or lease

I recently relocated to XXXX XXXX XXXX for work. I had to exhaust my savings to move and get a new apartment etc. As a result, I fell behind on my payments from XXXX - XXXX. In the month of XXXX I tried to login to the online payment system for Wells Fargo Dealer Services and it kept giving me an error message and would not allow me to login. 

On XX/XX/XXXX I called Wells Fargo Dealer services because I still could n't login and wanted to take care of the issue. I was notified that they had initiated repossession on XX/XX/XXXX. I offered to pay the entire amount of past due payments and late fees and resume the loan, they declined. The rep on the phone said I could turn in the vehicle and owe the remaining $ XXXX balance or I could offer a settlement amount and pay {$1500.00} - $ XXXX/mo until the settlement balance was paid and then I would retain ownership of the vehicle. 

I asked several times to make the entirety of owed payments and late fees and was denied. The rep said that turning the vehicle in or settlement were my only options. A settlement was reluctantly offered of {$8500.00} with concerns of the aggressive {$1500.00} - $ XXXX/mo pay schedule. I was told that the settlement would be sent to a manager and I would receive notification of approval or a counter amount. I did not receive contact back. 

I am not sure why I can not pay the amount of owed payments and late fees and resume my loan. If a settlement is my only option I would like that to be decided soon or receive confirmation from the lender.
Product: Credit reporting or other personal consumer reports

I have submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. I clearly identified the accounts in question and outlined the violations they are making to my consumer report. Over 30 days have passed, and they have not provided any response. Attached are copies of all correspondence sent. 

This company is in violation of FCRA 623 ( a ) ( b ) for not marking the disputed account as disputed.

Additionally, there has been a violation of FCRA 605 ( c ), as the date of last activity is being reported incorrectly, when it should reflect the date of the last payment made.

This company continues to fail to validate this collection account, further breaching FDCPA 809 ( b ) as per the FTC 's opinion.
Product: Credit reporting or other personal consumer reports

There is a closed account on my credit report ( s ) that is still reporting late payments, and in addition to that, all of the credit reporting agencies are reporting inaccurate information in regards to XXXX XXXX XXXX They all display different balances, open & Closing dates and payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD {$520.00} Balance Opened XX/XX/2017 2017
Product: Checking or savings account

This company continues to furnish negative information to the banking institutions about accounts/Checks that were open/deposited due to identity theft. Since being XXXX XXXX XXXX XXXX XXXX XXXX  I have trouble with extra deposit holds that are due to the reports from Chex systems. This Company has been informed and sent copies of FTC and police reports and have failed to removed the negative items that's holding up my bank accounts.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXXXXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Equifax. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, My name us XXXX XXXX XXXX, Rest assured I have tried endlessly to get this resoled without getting anyone involved. 

The Equifax credit reporting company keeps reporting a delinquent for an account that I have no knowledge of. under my. I have a derogatory mark for a collections account opened in XX/XX/XXXX..Its from a creditor called XXXX XXXX XXXX XXXX. 

The debt is for XXXX and the debt is now owed by XXXX XXXX XXXX, who has no knowledge of this debt. I have tried to dispute the item on their website and it keeps looping around not completing the dispute. Or I have gotten back emails that the issue is fixed and it has not. No other credit reporting company is reporting me negatively for any dent. I have never been late in any of my payment with any creditor. 

Please assist me in helping me get this item removed my equifax credit file. 

I 'm tryiny got buy a house and this collection debt is preventing from doing so. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX
Product: Checking or savings account

I went to the Chase bank on XX/XX/2020 in XXXX XXXX Florida to deposit some of my wedding money in the inside ATM. It was about 5,000.. We quickly filed a claim with the bank. A month later they send us a notice stating they could not find any money in the ATM that we deposited. Chase has stated there is nothing they can do..
Product: Credit reporting or other personal consumer reports

I noticed billing mistakes on my credit report. The late payments listed don't align with my usual payment record. Please correct these issues and update my account.
Product: Credit card or prepaid card

On Sunday, XX/XX/2020 I received a notice that FNBO was going to a 2 factor auth process for logging into their website in order to make payments on their credit card. Because of my XXXX of XXXX I am unable to receive the 2 factor call, since I use that landline phone for dial up internet access. Even if I disconnect to receive the call, and reconnect afterwards I can not HEAR the call in order to be able to enter the 2 factor number that is read by the system. I can not use text, as I do not have a mobile phone, since I can not hear, nor is there any service at my residence. FNBO suggested using an email instead. However, FNBO 's email is loaded with graphics and takes more than 10 minutes to download. FNBO has a 10 minute timer on its site, so this is not an option either, as I will be locked out before the email with the code can be downloaded. 

I have called FNBO twice, including tonight, the last possible day before I will be unable to log on due to the NEW 2FA policy, and they claim they can not waive it at all. 

Normally, I would quit such a business that does not handle my XXXX, but I will take a credit score hit for doing so. I have went back to paper statements, and do not want to have to go to paper checks when I have been paying them online for years, and only because of the policy change on XX/XX/2020 am I being prevented from using their online payment service. 

I ask that FNBO provide a reasonable accommodation for my XXXX in order to be able to continue to use the FNBO credit card as I have been doing for the last couple of years. I have NEVER forgotten the password, nor had it hacked. 

FBNO has claimed their process is " industry standard '', but NONE of my more than 20 cards from many issuers that I have require this process. In fact, the account worked perfect until FBNO decided to change their policy in regard to online log in to my account.
Product: Money transfer, virtual currency, or money service

I have been with CashApp for over a year and since XX/XX/2022, i have been trying to cash out money sent to me for XXXX. It is now XX/XX/2022 and i do not have my money. I have made several attempts to resolve this with there team and filed complaints and nothing has happend. They have ruined my families XXXX and now have cost me over {$3500.00} because of their negligence to hold on to my money to earn interest that is unlawful after i have been trying to cash it out and pay their fees like i do everytime!!
Product: Money transfer, virtual currency, or money service

i recently deposited into robinhood from my bank account and as soon as i bought XXXX they restricted my account and wont let me withdraw my money or even buy assets. ive seen hundreds of people having this same issue on XXXX and they said to contact the CFPB so here i am. please help!