23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had 3 late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XX/XX/22 ], [ XX/XX/22 ], [ XX/XX/22 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Money transfer, virtual currency, or money service

On the XX/XX/XXXX I had the following coins transferred to my Coinbase wallets. I have put links to the coinbase wallet addresses for my account and blockchain info. 

Bitcoin XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Looking at my wallets XXXX XXXX XXXXXXXX There is nothing there for the transfer for any of the coins. Not even pending. If you look at the blockchains above you can see the coins went to my addresses and immediately left somewhere. However the amounts never went to my wallets. I opened a case for this on the XX/XX/XXXX and still haven't had a meaningful reply from coinbase
Product: Credit reporting or other personal consumer reports

Theses loans were forgiven and removed in 2020. They reappeared and were doubled in the amount. They are reporting it as delinquent which I dont owe.
Product: Credit reporting or other personal consumer reports

this account was opened without my knowledge or consent. please remove as soon as possible
Product: Vehicle loan or lease

My lease financed through Chrysler Capital for a 2018 XXXX XXXX XXXX was paid off via dealer buyout, when trading in for a new vehicle purchase at another dealer, for the agreed upon buyout price. However, Chrysler Capital has continued to apply the regular monthly " amount due '' to my account as well as assess late fees, even though the account was paid in full, and even reported closed on my credit reports. 

*A payment was made for the regular amount due ( but not late fees ) for fear of having to then fight a missed payment reported to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In need of some help! I believe I have a freeze on my account. I'm not sure as to what is going on. As of right now I am un able to obtain a saving or checking account. I cant get financing for a vehicle or can't apply for a credit card. It is very imperative that I open an checking or saving for Social Security payments. Please Help Me Fix This ASAP! 

Also, If it is not a freeze please point me in the right direction on how to fix the problem. 

My name is XXXX XXXX XXXX. 

Thank you in advance!
Product: Payday loan, title loan, or personal loan

I recently got kicked out of the app to be able to make my pymt. I tried identifying myself by using there app and i have gotten nowhere, i also tried emailing and calling to get this fixed. No response
Product: Mortgage

What time do you make electronic payment before the end of the grace period for approximately {$3200.00} for XX/XX/XXXX the payment was held by fifth third bank and was not excepted despite there being sufficient funds. I called after making a payment and they confirmed over the phone that the payment was made on time and for the sufficient amount and I was not to worry however the bank still held my payment I have a late charge and a negative report reflected on my credit for this payment of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a {$600.00} loan with a XXXXmonth term. I was wrongfully terminated and fell behind on everything. I've wanted to take care of this but XXXX years later they are still reporting random balance increases yet charged off the account. The balance they're reporting is entirely made up. It doesn't reflect interest owed or even my loan with them. They refuse to remove it after XXXX disputes with credit bureau. I've called and the lady refuses to give me the manager and they don't call back. I can't move my family into an apartment and been denied jobs.
Product: Credit reporting or other personal consumer reports

I am requesting a copy of an opt-out form that allows me to opt out of this item from reporting on my credit profile under Privacy of Consumer Financial Information , 12 CFR Part 1016.
Product: Checking or savings account

CD Matured XX/XX/2020. 

CD is now in 10 day window. 

Bank won't let me access the funds for 3-5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting XXXX XXXX account # : XXXX as open when its been paid off for almost a year now. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account ending in XXXX continues to report the same inaccurate information that I have disputed in previous complaints which will be listed below. In both complaints the account has come back verified. How is the account verified if the facts are directly from my credit report? This is a violation of section 623 of the FCRA ( furnisher must not furnish inaccurate consumer information to a CRA. ) also under the FCRA a CRA must conduct a reasonable reinvestigation of the dispute and that clearly has not been done. 

On complaint XXXX on XX/XX/XXXX I stated continued reporting in the payment history after the account is closed. Once the account is closed there is no payment history. Also I stated that XXXX is reporting a negative XXXX dollar balance. The account is closed so the reporting balance should be XXXX. 

On complaint XXXX submitted on XX/XX/XXXX I stated the same issue of continued reporting on the payment history when the account has been closed for years. This is inaccurate information reporting to my credit file. 

The facts I will submit as proof/evidence of inaccurate information being reported will come directly from my credit report. 
With the facts Ive presented I can prove willful non compliance. I can show how this account has caused denials for extensions of credit which has caused me and my family severe harm. 
15 U.S. Code 1681n - Civil liability for willful noncompliance I want the account Deleted immediately.
Product: Debt collection

Ive asked repeatedly that Summit Receivables send me a written mail notification of my debt. They said they will email but not send me any written mail since it takes time they do not have. I told them I can not do anything without a written letter of my debt. They claim the email is enough and by law they dont have to send me anything.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 XXXX for {$130.00} in XXXX XXXX fraudulent withdrawal XX/XX/2022 XXXX for {$87.00} in XXXX - fraudulent withdrawal I have contacted coinbase and coinbase card and both departments keep passing me in between each other with no accountability. 

These transactions said they were used using my coinbase card, but there is no record of the transactions on the card. However, the money has still been debited and not returned. 

It seems to be a mirrored charge from months prior but they won't fix the issue or even tell me how to dispute.
Product: Credit card

Credit card payment was 15 days past due date. navy federal credit union abuse their power as my bank and withdrew the payment from my checking account when I had told them I was consolidating credit. It is not legal to take a military members money without prior notification, or their family members. XXXX have hardships they experience at times like moving across the country to a new location, or being XXXX overseas. It minimizes their ability to pay their debts in a timely manner sometimes. It is not financially appropriate for a bank to decide its within their rights to withdraw a members money, and add a disclosure to a credit card statement, yet not notify the member when money is withdrawn. Just because people have their money in a bank does not give the bank the right to take financial advantage of their clients. That is considered financial abuse, or elder abuse. 
I have also asked that my credit card and bank accounts be audited before and my request was extracted from the banks communication software programming. They never audited my accounts. 
I have XXXX in XX/XX/XXXXwallet with the bank and have asked for help in retrieving my funds. They tell me I have to go to bitcoin for help, and the transaction was processed into my XX/XX/XXXXt.
Product: Money transfer, virtual currency, or money service

Iam writing to express my concern regarding Zelles handling of disputes, in particularly based of the CFPB lawsuit highlighting significant issues with this platform. I have used Zelle many times and reporting discrepancies, and Zelle failed to investigate my claims correctly. Its unacceptable and it concerns me about my safety.
Product: Mortgage

Since XXXX, we have called Fay Servicing many many times to file for loss mitigation/refinancing options and have complied with submitting all documentation/proof they requested and one time we have all documents another time we don't ... .We feel they were railroading us so we couldnt keep our house! And all of those months I have proof of sending pay stubs, applications, verifications that they were asking for. On the XXXX of XXXX, the representative said she had everything to submit it to the underwriters all I had to do was submit more pay stubs on on top of the XXXX XXXX that we already sent. I have proof of sending those pay stubs on the next morning to be approved and put with the application to be submitted to the underwriters I called today to check on the status and they said they never got the pay stubs and that it's too late I explain explained to the lady that we submitted all of that information every month from XXXX to XXXX but now our house is going up for foreclosure on XX/XX/XXXX and I guess it's too late even though they said that we had a chance after we submitted everything they needed can't get a clear answer from no one in that company and every time we call somebody has a different answer than the last person!!!!!
Product: Credit card or prepaid card

I was being charged {$2.00} for 3 consecutive months with no balance on my Macys ' account. I did not check my account thinking I have no balance but because of the interest charges, I have a balance of {$6.00}. I contacted Macys on XX/XX/XXXX and they informed me that my account was delinquent because of the {$6.00} balance that I have not paid for several months, which subsequently impacted my credit scores. I did not understand why I was being charged every month with no balance but I did not want to argue with them so I paid the {$6.00} interest charge in the desire to bring my account back to normal. After I paid they ensured me I had no more balance and this will not happen again. Yet, on XX/XX/XXXX when I checked my account, I saw the same {$2.00} interest charge. I contacted them again, they told me the same thing and made me pay another {$2.00} and said my balance is now XXXX. I checked my account again on XX/XX/XXXX and there it was, another {$2.00} interest charge. This time I called them and they said my account was not adjusted for the interest charges ; they will credit me a total of {$10.00} and this will not happen again. At this point, even if they credited me {$100.00}, it would not make a difference. As a consumer, I feel cheated and lied to. They charged me interest fees when I had no balance on the account as I always paid it off. They XXXX up my credit scores, which has been in very good standing until this happened.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase, a cryptocurrency exchange company ( www.coinbase.com ). 
I use the account to buy the digital currency Bitcoin. 

On XX/XX/XXXX, my girlfriend deposited XXXX into my Coinbase account, using the XXXX transfer service. 

Unfortunately, since the sending bank account was in my girlfriend 's name and my Coinbase account is in my name, I received an email from Coinbase on XX/XX/XXXX informing me that they are unable to process my request and my transaction had been reversed. I was informed the funds would be returned to the sending bank account within 1-2 business days. 

On XX/XX/XXXX, I followed up with Coinbase support via email because I had still not received the funds. I received an automated reply confirming acknowledgement of this request for support. 

On XX/XX/XXXX I again sent a message to Coinbase support informing them that the funds had still not been returned to my girlfriends bank account. 

On XX/XX/XXXX I received an automated message from Coinbase.

It is now XX/XX/XXXX ( 17 days after my girlfriend transferred XXXX to Coinbase and there is still no sign of the funds being returned and I have had no correspondence from anyone at Coinbase.
Product: Credit card or prepaid card

Bank of America made four charges against my credit card XXXX for {$180.00} on XX/XX/2021. These charges were related to a non-delivery billing dispute and a fraud claim that supposedly was ruled against me. 

XXXX Customer Service verified via email that the charge for {$75.00} was due to non-delivery and that Bank of America took a charge back from XXXX for {$75.00} on XX/XX/2021. 

XXXX Customer Service also verified via email that the charges for {$13.00}, {$36.00}, and {$59.00} were made on somebody else 's account and these three charges were fraudulent. 

Bank of America did credit account XXXX for the {$59.00} charge on XXXX leaving a balance of disputed charges for {$120.00}.
Product: Mortgage

The lending agent tried to push through a loan that I was not qualified. 
He was given tax returns and still tried to push the loan wXXXX cks. 
I will have no home & have storage charges for a 4br home to pay. 
The lending officer has not responded to emails on how to handle this. 
Supreme lending in XXXX GA is the company of complaint. 
Now I have to start on a new loan, please note I had paid for inspection. 
The buyers have to place the home back on the market, so many losses! 
The additional expenses are mountaining daily!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX took my Payments I paid ahead on each month payments took 1 payment towards paying off late fees and didnt pay my actual payment and reported me late on the credit bureau in XX/XX/2018. I have tried to resolved this and its all recorded on their system. They made the mistake and refuse to remove the late payment. I called each month and was told I was good until XX/XX/XXXX for another payment then I saw a late pay on my credit report. Please help me fight this giant of a bank. I dont think I need a lawyer for this I will appreciate any help from your organization. 

XXXX
Product: Credit card

I have synchrony bank who wants me to reimburse them XXXX for merchandise I did not receive in XXXX, even though a credit was provided Now in XXXX synchrony is asking for there refund back Also closed cases have never been closed by them even when merchant settles the case and or synchrony bank I do not owe them Money
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX is a company I 'm not familiar with. They illegally put wrong information on my credit report. I filed 100 etc reports and will continue. Next I will be filing with the BBB. They refused CFPB direct contact stating they are a third party and refused to work with them. I feel with the breach my information was compromised. This company is fraud. I do n't owe any outstanding debt to anyone.
Product: Credit reporting or other personal consumer reports

There are 3 inquires on my report that I did not make : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I went to XXXX to place two order worth {$76.00} and {$85.00}. I tried to pay for those transactions with my Discover Card using XXXX XXXX. I wanted to use XXXX XXXX  because Discover Bank sent me two emails and publicised heavily about their XXXX XXXX cashback promotion during this quarter : XXXX. Thus, I wanted to take advantage of the offer and hence went to XXXX to place my two orders using XXXX XXXX. 

However both the transactions were declined by Discover and I was so embarrassed when the cashier said that the card was declined. I was looked down upon like a beggar having no funds to pay for my meal/order by the cashier and I can understand the cashiers perspective. I thank XXXX that I had other credit card to fulfill the transaction. However, I will never forget the public embarrassment I had to go through just because I wanted to use my Discover card. 

Note : I had enough credit limit available in my account to make the charges but still was declined to pay the charges. 

I have never been treated so badly in public for not having money. I make over $ XXXX and still had to go through this turmoil. I am scarred and highly disturbed by this incident and its impact over my mental health When I call customer service at Discover, they say that they are having a system/technical error and just dont acknowledge the gravity of the situation. They say they just cant do anything. The most annoying part is that they dont even give a complaint/case number and are unsure of whether there will be a follow up of the complaint. This is very pathetic. 

Lastly, I also lost {$16.00} in cashback because of the declined transactions. It was a worst day and highly regret using Discover. 

I need compensation for all the inconvenience caused and for the discrimination I had to face today. I need a call-back and REGULAR follow-up regarding my complaint. 

There has been a pattern with Discover. The customer service executive say they raised a complaint but not give a complaint number and neither any acknowledgement of receipt of the complaint. And then they say it will be handed by Corporate office and thats it, they just never get back regarding the complaint. Thats non-accountability of the highest level
Product: Credit reporting or other personal consumer reports

MACYS/CBNA XXXX Balance Owed : {$1600.00} I believe the information being reported to be inaccurate.
Product: Payday loan, title loan, or personal loan

To whom this may concern : I have a loan through opp loans. I have used this loan company before and just refinanced recently. I am just curious how they can charge such a high interest in wi, when other states prohibit opp loans to charge 130 % interest rate and get away with it. I understand when I took out the loan, of the high interest rate. I just think that someone should look into the WI laws. 
Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor 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 MORTGAGE XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.