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

I have sent out multiple letters to XXXX XXXX XXXX, Equifax & XXXX  since XX/XX/2021. I also gotten a letter about XXXX XXXX XXXX XXXX my account as current, no late payments, with all 3 bureaus. My account is still showing late payments for both XXXX  and Equifax. The only updated account is XXXX.
Product: Debt collection

I received a collection notice from the company on XX/XX/XXXX. This was my first notification that I had any outstanding debt/a collection account outstanding. When I asked, they stated that they had sent " multiple letters '' ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) but that all of the prior letters had gone to my previous address- the address for the apartment complex that was claiming I had unpaid charges at move-out and which was clearly not my address any longer. I did have mail forwarding for that address for 6 months after moving out. Further, I did not receive any phone calls ( I have had the same phone number for the past 10 years ). I was shocked to have received a notice like this 5 years later. Upon contacting them to settle the account, I noted that their letter stated that my account was currently being reported to the credit reporting agencies. Upon asking this question, they stated that they hadn't reported this to the agencies yet ( which makes sense, since I pull my credit annually and did not see anything about this debt ). When I told them I wanted to settle for the 40 % of the balance offered in the letter that they sent, they stated that if I did that, they would then report this to the credit bureaus for paying less than the full amount due and it would negatively impact my credit unless I paid the full amount of the balance. 

When I asked why I would have to do this and why they would report my account to the credit bureaus and harm my credit, even though they hadn't made any reports to the bureaus for the past 5 years, they stated it was " what they are allowed to do by law ''
Product: Credit card

On or around XXXXXXXX XXXX XXXXXXXX, I filed a dispute for transactions noticed on my Chase Business Ink credit card account. There were a series of transactions made starting in XXXXXXXX XXXX XXXXXXXX through to XXXXXXXX XXXX XXXXXXXX. Totaling around {$18000.00}. 

Chase responded first by giving and temporary credit. Not soon after did chase retaliate by lowering my credit limit from {$16000.00} to only {$500.00}. Once I called to inquire the reason for the retaliation chase reversed ALL of the charges in dispute. 

I called and requested and spoke to not one but four different supervisors about these reversed charges. EVERY SINGLE representative I spoke with used a different reason as to why the charges were being reversed.

The first representative told me that I made some payments of the card there for I should have reported it sooner, I explained that I have an autopay system set up with my credit union that send out payment automatically, something I usually do for all of my credit cards when I first get them, as I am running a business and have more than one business credit card. 

The second representative I spoke with in XXXX told me that the charges were related to the type of business that I have. I explained that my business deals primarily in real estate but I recently registered it as a trucking business in XXXX. The charges were made prior to me even registering the business as a trucking company so there is no way those charges are mine. I said in fact I only registered it as a trucking company but it still to this day is not operational as that. I provided the Federally mandated website that lists all trucking companies registered in the United States which shows when companies were registered, if they have insurance, what kind of insurance etc.. Not one representative was willing to sit at their desk ( which they are doing already ) and click on a few pages to see the unbiased information listed on the federal website. 

Another representative I spoke with told me that some of the charges seemed fishy therefore ALL of the charges in dispute would be reversed. 

No one is willing to give a straight answer, everyone gave completely different reasons for these transactions being reversed, no one is doing a proper investigation at all.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017, I sent a wire transfer to Coinbase/XXXX to deposit funds to my account. It 's now been over a month and the funds still have not been credited to my gdax account. The transfer should have on taken a day or two, as indicated by XXXX. Here 's some info about the wire transfer : Date : XXXX XXXX, 2017 Amount : {$4900.00} XXXX XXXX :  XXXX XXXX XXXX  XXXX  Routing Number : XXXX XXXX Account Number : XXXX Reference Number : XXXX ( I do n't know if this is only a XXXX thing ) Special Instructions : XXXX Beneficiary Address : Coinbase, Inc XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I can also provide information about my bank and account number if needed.
Product: Debt collection

I received a call from XXXX collections stating that my Paypal Credit account had been sent to collections. They told me the outstanding balance was {$2100.00}. I told them I did n't have that much money on hand but that I was willing to make payments for settle for a lesser amount to get it taken care of. XXXX and I came to an agreement of {$1200.00} to settle the debt. I made sure XXXX sent me a letter stating the debt would be settled in full once my payment was received. I went and got a cashiers check for {$1200.00} and sent it to them. About a month later, I noticed I still had a balance of my Paypal Credit account. I called Paypal. They confirmed my account was in collections, that they were waiting on XXXX to finish their part and that it usually takes one to two billing cycles to be complete. This was in XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX and I 'm still getting letters from Paypal Credit telling me I have past due payments. This account was settled on XX/XX/XXXX with XXXX so I do n't understand why I keep getting letters and emails stating that I 've missed payments and still owe money. I also do n't know if Paypal has been reporting missed payments to the Credit Bureaus. If they are, they are wrong and Paypal or XXXX should be required to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I received an email from : XXXX XXXX  c/o LendingPoint LLC Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Telephone number : XXXX This company 's email said they had checked my credit and were denying me for a loan. It said they had gotten my info from XXXX. I NEVER applied for a loan through any company, nor authorized anyone to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute my credit report with Equifax about 2 collections XXXX XXXX {$200.00} Open balance Opened XX/XX/XXXX XXXX XXXX {$59.00} Open balance Opened XX/XX/XXXX after the investigation they allowed the same accounts to be added to my report so these are on my credit resort 4 times the XXXX XXXXccounts added XXXX XXXX {$200.00} Open balance Opened XX/XX/XXXX XXXX XXXX {$59.00} Open balance Opened XX/XX/XXXX A DEBT BUYER/COLLECTOR CAN NOT TRY TO COLLECT ADDIONAL MONEY FOR THE SAME DEBT MULTIPLE TIMES THIS NEEDS TO BE REMOVED OFF MY CR AND EQUIFAX NEEDS TO CORRECT IT!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX BALANCE : {$96.00}
Product: Credit card or prepaid card

I had a card ending XXXX with BBVA credit card. This year card was blocked, because of unauthorized transaction. However on their site this card still exists. last balance on it was {$120.00} so I sent it electronically and BBVA received it on XXXX But company did not apply those money to card ending XXXX, instead of it - they put it into card ending XXXX. 
XXXX I called them and spoke to person named XXXX, ( who barely can speak English ) and he assured me that that card ( ... XXXX ) closed and I have nothing to worry about. I paid my other card as well, but today XXXX I found on their site, that I still have UNPAID amount of {$120.00} and past due amount of {$10.00} on card ended XXXX. 
I called them again, ( XXXX XXXX ) and spoke to non-English speaking worker named XXXX XXXX who totally ignored my questions and was unable to clarify issues. 
Please help me and stop that company from stealing peoples money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my Capital One account that was paid in full in XX/XX/XXXX and closed at that time. Capital one is reporting the XXXX balance closed account is delinquent from XX/XX/XXXX to present. How can an account be closed for over a year and a half show as delinquent? My credit score is being affected. I called Capital One and they would not help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquirers on my credit report and requested the Experian to remove them as I did not give these companies permission to pull my credit report. I really don't know who these companies are : XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX When I dispute them with Experian and XXXX  the response is automated stating the information is verified and never investigated. Please remove ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate blocking of certain fraudulent information that is appearing on my consumer credit report. As per the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I hereby request that you, the credit reporting agency, block the following fraudulent accounts and information from my credit report within four ( 4 ) business days of receiving this notice : An unsecured credit card at XXXX XXXX opened on XX/XX/XXXX with an account number of XXXX An unauthorized inquiry at XXXX on XX/XX/XXXX These items are the direct result of identity theft, and I have included the appropriate documentation as outlined by law, including a copy of my identity theft report, proof of my identity, and any other required evidence to validate my claim. Under FCRA 605B, you are required to take the following actions : 1. Block the reporting of the fraudulent information on my credit report within four ( 4 ) business days of receiving this dispute. 
2. Refrain from reinserting the fraudulent information on my credit report unless you receive further confirmation that it is accurate, which I contest that it is not. 
Failure to block these items, despite receiving the appropriate documentation and proof from me, will result in my pursuing legal action. If you do not comply with your legal obligations under the FCRA, I will work with my attorney to file a lawsuit against your bureau for failing to meet the guidelines outlined in 605B. This lawsuit may seek to recover any actual damages, statutory damages, punitive damages, attorney fees, and court costs incurred as a result of your noncompliance. 
I trust you will act in accordance with the law and remove the disputed items without further delay. Failure to comply within the legally required timeframe may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 
Please confirm receipt of this letter and provide written acknowledgment that the disputed information has been blocked from my credit report within the timeframe outlined in FCRA 605B. 
Thank you for your immediate attention to this serious matter.
Product: Checking or savings account

I made a deposit to my bank, Bank of America on XX/XX/20. The deposit is from a checking account associated with my employer and the reimbursement account. I have deposited a check from this account to my account at the above institution for years in similar amounts. There has never been an overdraft or uncollectable funds issue. 
Although my account and my employers are in good status, I can even see the money came out of my employers account, the above institution insists an " extended hold '' is necessary causing me great financial difficulty and is putting my creditworthiness at risk as I HAVE BILLS TO PAY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies with corresponding account numbers ; 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 XXXX XXXX XXXX  XXXX, have 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Hello, My situation is as follows : On   XXXX    , I checked my savings account to find that the balance was {$0.00}, and that all the money had been withdrawn. Upon calling the bank, I was told that my account was closed for too many transfers between my savings and checking account. I was told that  3  letters had been sent to me warning me that this would happen. I never received those letters. I was also told that a check would be sent to me by  XXXX  in the amount of {$4600.00}, which was the amount in the account. I told the agent that I could not wait that long because I need to use money in that account and I 'd prefer that a stop payment be put on the check, and to have the money transferred into my checking account or I 'd like to be able to be given the money at a local branch. I was told that that could n't happen. At that point I asked to speak to a supervisor. A supervisor eventually got on the line and said that what I was requesting could n't be done by customer service and that I should be able to get help at a local branch. On  X/14,  I went into a local branch and was told that they could n't put a stop payment on that check because they did n't even have a check number, and that I would probably receive the check by  XXXX .  XXXX  and  XXXX  passed and I did n't receive anything so I called customer service again on  XXXX . I spoke to an agent who said that I should receive the check by   XXXX   and the the other methods I was requesting could n't be done. I requested to speak to a supervisor. The supervisor and I spoke for a while and she said that she would put in a request for the stop payment and for the money to be transferred to my checking account. She said that I should receive the money in my checking account by Monday which was  X/24.   XXXX  passed and I did n't receive anything and I waited to see if the check would come on  XXXX . It did n't come. I called customer service again and asked to speak to a supervisor. A supervisor eventually came on the line and told me that the request for the stop payment and fund transfer to my checking account was denied by the back office. She said that she was going to put in another request further explaining the situation and that she would call me back in  24-48 hrs . At this point, I have no confidence in this being resolved by me speaking to customer service. If submitting this complaint will help me get my issue resolved, I 'd greatly appreciate it.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report accounts that I did not authorize. I filed an FTC report due to information exposed in data breach, please remove all unauthorized accounts below. 

*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: Mortgage

I was approved XXXX XXXX for a loan modification by Impac, the investor of my loan and XXXX XXXX XXXX is the servicer of the loan. I got a step rate and it was going to increase to 3 % in XXXX XXXX. Therefore, prior 3 months prior to that date, I contacted Impac once again to ask that they extend my modification and keep me at 2 % interest rate for another 3 years. On XXXX XXXX, XXXX, I was approved for another modification, in writing, which was accepted and executed by me. At the time of the approval on XXXX XXXX, XXXX, XXXX XXXX informed me that I should continue making my normal payments at the 2 % interest rate. XXXX further informed me that XXXX XXXX XXXX would take up to 8 weeks to send me the final modification documents. After 8 weeks, I called XXXX XXXX XXXX and they confirmed with me verbally over the phone that my rate was at 2 % but when I would ask about the final modification documents, they acted as if they didnt know what I was talking about. I sent the modification to XXXX XXXX XXXX 3 times and they still claimed they did not receive it. They even received it from Impac and XXXX XXXX XXXX is continuing to refuse to honor the modification. XXXX XXXX XXXX is playing games with me I am so tired I have been dealing with this for months. Why is XXXX XXXX XXXX not honoring the modification that the owner of the loan granted me and that I accepted. Now, because XXXX XXXX XXXX is refusing to honor this modification, I am considered delinquent because they now changed the terms of my loan to the 3 % when in fact pursuant to the terms of the modification agreement I accepted XXXX XXXX, my rate of 2 % is extended until XXXX XXXX. Please I pray that you help me with getting XXXX XXXX XXXX to honor the loan modification that was offered to me, XXXX You.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I have attached a copy of my report to this complaint on the following dates XX/XX/year>. I am requesting you investigate this account and update these payments to paid on time immediately. Thank-you for your understanding and prompt action on this matter.
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 Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX 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: Checking or savings account

BBVA Compass bank shut down Simple Bank and stated to its customers that they would be transitioning all Simple accounts to BBVA accounts. Customers are told that account numbers would stay the same and the Simple debit cards would still work. It's been two days since the date of transition, XX/XX/2021, and I'm not able to access my old Simple account or create my online BBVA account. My debit card is not working and I have no access to my money because everyone who has a Simple accounts had their accounts locked by BBVA. BBVA had this transition planned for months. The ONLY correspondence from them has been ONE apology on their XXXX account. I found this by accident googling this issue. I don't have a XXXX account so how was I suppose to know anything that's going on? I couldn't even get an email explaining why I couldn't access my money,. When calling customer service their representatives pretend they can't hear you and hang up or you're put on hold and then your call just gets disconnected. At this point I'm sure it's considered theft.
Product: Credit card

I am a victim of identity theft, on XX/XX/year> there was an unauthorized account opened in my name with SYNCB/Ashley Home Store in the amount of {$3000.00}.