23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My bank has been over charging my account not credited my account also charge fee thats not correct not putting correct amount in my account this has been going on for years since I have been a customer. I noticed this a while ago but they always have an excuse
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple fraudulent accounts that are reporting on my ChexSystems & XXXX  report. They are not mine and I have reached out to these companies regarding the negative items and personal information. They are still reporting on my report and are hindering me from opening bank accounts. I have submitted my supporting documents to prove these accounts are not mine and the personal information is incorrect.
Product: Vehicle loan or lease

My account balance is not correct My credit report showed past due but it is current The company posted a remark on my credit report saying affected by natural disaster because I requested extension because of the coronavirus pandemic and I need to be removed from my credit report it affected my credit score
Product: Credit card

On XX/XX/XXXX I call CitiBank XXXX XXXX Department stating my card is blocked and for them to fix my card. 

They state they have removed the fraud warning. I am then able to make the purchase. 

Later on in the week it appears that I am unable to purchase anything using the card despite the person on the phone assuring me my card would not be blocked again. 

XX/XX/XXXX I call Citi Bank and now to unblock my card and verify my identity, they want to send a letter with a CODE IN THE MAIL PHSYICAL MAIL??? 

I CANT EVEN SPEED UP THE LETTER ITS SO XXXX I WAN NA USE MY CARD NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under use 1681.XXXX XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 
15 u.s.c 1681 section 602 A states I have the rights to privacy. 
15 u.s.c 1681 section 604 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 u.s.c 168lc. ( a ) ( 5 ) section states : no consumers reporting agency may make any consumers report containing any of the following items on information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years. 
15u.s.c.168ls-2 ( a ) ( C1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/XXXX I called TransUnion regarding unauthorized inquires on my credit report. I believed I've been victimized and Im humbling asking that the problem be rectified. 
I had a concern about Inquiries on my TransUnion report. TransUnion did not follow proper procedure as laid out in the Fair Credit Reporting Act when reinserting those inquires. Under the Constitution the  inquires in question must be removed from my TransUnion report.
Product: Debt collection

State collections in Wisconsin has added a medical collection debt to my credit report. This ill was paid 6 years ago. ai can not find my receipt but I know it was paid. The WisconsIn State Attorney office has stated that a medical bill in the state of wi that is over 6 years old has exceeded the statue of limitation of 6 years. According to state law this must be removed from my credit report. However, it continues to appear on my credit report. The collection agency refuses to remove it.
Product: Credit reporting

I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus XXXX, XXXX ( r ) and TransUnion ( r ) and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas Finance Code and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas financial code. This does not meet the Texas Financial Code guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for Transunion, XXXX, and XXXX. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas State Attorney General office on your non-compliance and better business bureau. I have listed below how you are not meeting the Texas Financial Code. 

Please note Transunion, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or TransUnion ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character National Credit is sending invalid information on behalf of the Merdian/UDR and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX XXXX  there were two atm transactions for {$63.00} at an atm in XXXX XXXX XXXX. Having never been there I filed a claim with the bank ( Wells Fargo ). Wells Fargo investigated the transaction and wrote me a letter telling me they determined either myself or someone with my permission had used the atm in XXXX. I immediately called and asked how they had that determination and they said the atm showed that the card was used and therefore it had to be. I asked them to explain how that happened when I was with my card in XXXX XXXX  and they couldnt provide that information. Obviously if this can happen once it can happen again with a much larger sum of money and since the bank wont remedy this situation Im not sure what to do next.
Product: Credit reporting or other personal consumer reports

This account was closed on the following date ( XX/XX/year> ) Since then the account has repeatedly been reporting active payment history on Equifax. This is an update in the payment history, A closed account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX Account Number - XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, SC XXXX
Product: Debt collection

I received a second notice of collection from a collection attorney, but never received a first notice or a billing from the agency that submitted the debt for collection. This is a debt for a toll road that I don't use. In the past this agency has opened an account in my name that I never requested and sent me a transponder sticker that was immediately shredded and never used.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items stated below continue to report on my credit report in violation of federal law despite numerous written requests. The 3 credit bureaus never responded to my letter, which I sent to them. In line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), this items must be verified. I will file a lawsuit against them if they refuse to verify these items. So that this situation can be rectified as soon as possible, kindly abide by the law. 

XXXXXXXX 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: Money transfer, virtual currency, or money service

I wired {$3000.00} on XXXX XXXX to XXXX their website promises to reflect that money within 1 business day. I waited several days ( until XXXX XXXX ) to open a support ticket to find out why the money has not yet been deposited. Today the XXXX i still have no answer, i tried contacting Coinbase.com via phone, email support and XXXX and am not able to get ahold of anyone.
Product: Mortgage

I became past due on XX/XX/XXXX due to loss of job and income. Immediately upon learning and going thru this hardship I reached out to Mr Cooper for mortgage assistance and applied for modification on numerous times only to be denied over and over for numerous and false reasons for denial. Most recently I applied for mortgage assistance on XX/XX/XXXX and immediately on XX/XX/XXXX I was declined for modification assistance. Per the the lender they mentioned the reason for modification denial was my mortgage payment would increase and they could not achieve an affordable payments based of there guidelines. I feel this is information is negligence of Mr. Cooper and its investors for not assisting me. I feel Mr Cooper did not properly review my account in the one week they had it. When I submitted my financial I showed an available disposable income of {$380.00} which is sufficient to afford my payment in the event my payment was to go up. I have calculated an estimated modification terms, I owe for XXXX of {$140000.00} and I'm past due for {$100000.00} which is a total of {$250000.00} if Mr Cooper extends my terms to 480 months and reduces my rate to a current market Conv rate of 3 % my P & I payment would be {$890.00} which is lower than my current P & I payment of {$990.00} which stands as a predatory rate of 7.720 % - Mr Cooper stated they participate in the Flex Modification which when I looked online and after speaking to a Mr Cooper representative the program allows for 480 Term extension, Reduction of interest rate and unto 20 % balance deferment but Mr Cooper refuses to help. In addition, while under review the Mr Cooper and performed dual tracking while reviewing me for loss mitigation has had a sale date on my home I believe this is dual tracking of foreclosure. I have also asked Mr Cooper for the XXXX results showing proof on their calculation how they came up with this denial but they refuse. Mr cooper has failed to help me with any covid-19 programs eighter
Product: Money transfer, virtual currency, or money service

They restricted my account for an unknown reason said it was due to My location. Which has always been with 50 mile of each other. Ive provided documents that they wanted and then they keep adding more or its not good enough. How the XXXX am I suppose to get a pdf of a closed account? Why is it even necessary? Its closed I provide them printed statements and one pdf of my current bank statement. Not good enough. Again why do they need everything ever in my account. I only have XXXX in there provided proof of everything they wanted and they r making it seem Im trying to withdraw a XXXX dollars. Soooooo do some research before ever investing with Robinhood
Product: Credit reporting or other personal consumer reports

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 

In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is reporting an incorrect last payment date on my XXXX  XXXX bank loan XXXX i have disputed this SEVERAL times but never received a response from capital one nor a decision on my dispute nor is the error fixed. 

please see my internal email tracking file " transunion email status '' i shows that i submitted the most recent disputes on this matter on XX/XX/XXXX and XX/XX/XXXX. the fair credit reporting act requires transunion to remove this entire record from my file as XXXX XXXX violated the " 30 day '' rule on responding to a dispute. the XX/XX/XXXX dispute is over six weeks - plenty of time for them to have reacted to my written and online dispute to this error. 

on their own credit report ( see attached file " 6 years of tu reporting payment ... '' you will see documentation that the LAST reported ( for years of reporting ) payment was made on XX/XX/XXXX not XXXX XXXX i pointed out several times that the XX/XX/XXXX date represents the first time the acct went over 90 days late - not the last payment date. tu 's own report demonstrates that this fact. 

transunion needs to remove this entire account from my file as the last payment date still remains in error. 

i expect transunion to adhere to the laws of the fair credit reporting act and take the mandated action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, we traded in a vehicle that had been financed with NC XXXX. Despite that, they reported our loan as delinquent from XXXX of 2020, before they finally updated our account to report as closed and paid off. However, when they did close the account out, they left the delinquency listings on my credit report from XXXX, which are not accurate. As a result, my credit score is now nearly 50-60 points lower than it should be because of their error. We have asked XXXX to correct this error on a number of occassions, but they continue to report that our loan was late at the end of our term, despite the fact that we were no longer in possession of the vehicle.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX I sent a dispute letter to Capital One Bank, XXXX and XXXX regarding a collection/charge-off that was opened in XXXX. There are 3 inaccuracies listed on this report. It is well over 30 days and there are still 3 inaccuracies listed on the account and it hasn't been updated or removed.
Product: Credit reporting or other personal consumer reports

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Mortage Account Loan Bureau Code : Joint Account Status : 120 days past due Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, No. of Months ( terms ) : 36 {$0.00} According to XXXX XXXX Equifax XXXX, XXXX is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Bankruptcy XXXX XXXXXXXXfilling hled Equifax Account # : XXXX Account Type - Detail : bankcruptcy Loan Bureau Code : Joint Account Status : BANKCRUPTCY Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Bankruptcy XXXX XXXXXXXXdismissed hled Equifax Account # : XXXX Account Type - Detail : bankcruptcy Loan Bureau Code : Joint Account Status : BANKCRUPTCY Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 don't owe anything to IC System with account number XXXX. They should have confirmed this from the Original Creditor XXXXXX/XX/XXXXXX/XX/XXXX since I have made my payment to them. Investigate this item thoroughly and make the necessary correction or just remove the account automatically.
Product: Credit card or prepaid card

COMPLAINT ABOUT XXXX XXXXSURVEY XX/XX/ The first rep I spoke to said he could not hear me. So I spoke up. He said he still could not hear me, so I ended up yelling. He then said he could hear me. After a bit of time, he had the gall to tell me to stop yelling. I WAS YELLING BECAUSE HE COULD NOT HEAR ME. Ended up hanging up on me. 
I do resent the fact that I spent over 90minutes of my time and still did not get my issue resolved. I DO NOT EVER WANT TO DO BUSINESS AGAIN DUE TO THE XXXX  WAY XXXX XXXX DOES THINGS. 
Know what each can do. I sent a chat to the store to find out my balance. I was told they could not help me and gave me an invalid comenity bank website. I tried and tried and tried and tried to get into the bank site. I finally got in after what seemed like forever. After the second rep gave me 2 emails with the correct site link. After what seemed like forever, the second rep finally told me that he could not help me and was on the phone with the store. The store that said they could not help me. He finally got back to me saying there is a whopping {$.00} on a gift card. The major problem with that is that no one can tell me where it is. IT IS A SERIOUS SHAME THAT XXXX XXXX DOES NOT CARE ABOUT THE CUSTOMERS TIME. 
I had contacted the Consumer Financial Protection Bureau regarding another issue with this XXXX  customer service. They were told that a credit of {$32.00} had been applied to my account. When I asked the second rep, he could not locate that credit. 
I will be contacting the consumer financial protection bureau again about this. MAYBE XXXX XXXX  WILL NOT WAIT 6+WEEKS BEFORE REPLYING TO THIS COMPLAINT LIKE THEY DID THE FIRST ONE.

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

On XX/XX/2021 I have sent in my Identity Theft Report to XXXX, XXXX, and Transunion to inform them of items that need to be removed and deleted from my credit report.