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

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/year> To whom it may concern : EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to formally request a correction of inaccurate personal information on my credit report, and I wish for it to be updated in compliance with the Metro 2 reporting standards. Below is the information that needs to be corrected : **Current Incorrect Information** -Address : XXXX XXXX XXXX XXXX. XXXX, KY XXXX -Other ( My address is displayed the wrong way. Not only that ; its my old address. My new address isnt even reporting ) -Other ( My Employer is not listed as well ) **Correct Information** -Address : XXXX XXXX XXXX. XXXX, KY XXXX -Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX -Employer : XXXX Freight XXXX have enclosed the following documents to verify my identity and confirm the accurate information : - A copy of my government-issued ID ( e.g., drivers license, passport ) - A copy of a utility bill or bank statement showing my correct address - A copy of my Social Security card ( if relevant ) Please update the incorrect information on my credit report to reflect these changes as soon as possible. Kindly confirm receipt of this letter and notify me once the requested corrections have been made. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect the investigation and resolution of this matter to occur within 30 days of receipt of this request. Please ensure that the updates are made using the Metro 2 format to ensure consistency across all credit reporting systems. 

If you require further information or have any questions, feel free to contact me at the phone number or email listed above. 

Thank you for your attention to this matter. I look forward to your prompt action in correcting the errors. 

Sincerely, XXXX XXXX -- - **Enclosures : ** - Copy of government-issued ID - Proof of address - Social Security card ( if applicable ) -- -
Product: Checking or savings account

Following the advice provided by BMO in my initial complaint ( response attached ), I submitted all the required documents to the email address provided on XX/XX/XXXX. To follow up on the matter, I attempted to call BMO on XX/XX/XXXX, but the phone number given turned out to be for a different bank. The agent I spoke to connected me to BMO, where I was eventually transferred to two different agents. 

The first agent redirected me to the Business Banking department, where I encountered extremely poor customer service. The agent I spoke with was dismissive and rude, refusing to let me explain my situation or escalate my concern to a supervisor. Instead, she insisted that I visit a branch in person, stating, " I do this every day, '' in a tone that felt condescending and unhelpful. 

This level of service is unacceptable, especially considering the seriousness of the issue. My funds, amounting to over {$130000.00}, have been stuck for over a year, and this lack of proper support only exacerbates my frustration. I expect BMO to handle this matter with urgency and professionalism moving forward.
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 lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal 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: Mortgage

I was in the process of refinancing my mortgage with a new lender and my HELOC with TD Bank required that we fill out some paperwork so that they can file a subordination document. To our surprise, they would take 30 days according to an email to let us know if we filed the proper documentation. They got back to us after 30 days and at this time the rate lock with my new lender expired and the new lender wanted like {$1000.00} to extend their rate lock which I refuse to pay. TD Bank now is asking for more paperwork because of all things the new lenders information is now expired. They refuse to rectify the situation and now they will not refund my {$200.00} that I paid them to perform the subordination as they say its not refundable when in fact they haven't even done anything but look at the paperwork. This is a sham that should not be allowed to continue. 

TD apparently has not provided their employees that are working from home any method of communicating with its customers other than email exchanges. No telephones were provided to solve these issues which continuously extends and frustrates the process of trying to deal with the issue. I have personal knowledge of preparing a subordination from a prior work experience and they not treating customers fairly or properly.
Product: Mortgage

We have been trying to complete a deed in lieu ( DIL ) with Wells Fargo Bank and just do n't seem able to conclude this. 

We signed the DIL agreement with Wells Fargo back in XXXX of XXXX and vacated the house on the agreed upon date of XXXX XXXX, XXXX. 

This is going on 1 year now and still not resolved. Wells Fargo will not release the lien after receiving all of the paperwork, they will not return calls or emails to our lawyer to give us any update. 

We also continued to pay the utilizes on the house throughout the winter until XXXX XXXX, XXXX at which time we stopped paying the gas, electric and water ; I was not able to stop paying for trash service as the house is still in our name. 

Any help you can give us with this would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here I am again fighting Portfolio Recovery and their IMMEDIATE removal of the XXXX account they have bought. XXXX deleted the file because they have no PROOF as required under the FCRA and FDCPA and still Portfolio insists they can keep reporting this account to XXXX   without PROOF of my physical signature of a contract between ME and PORTFOLIO It DOES NOT EXIST they can not. Sending me statements is not proof I have a contractual account with Portfolio and it must legally be removed immediately. 



Again : " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ''
Product: Debt collection

Hi.Legal recovery law office representing XXXX XXXX got a default judgment on a credit card debt in XX/XX/XXXX. They had a bank levy and started wage garnishment immediately. On XX/XX/XXXX I received a letter from Law offices of Hunt and Henriques. stating that that they are now representing XXXX XXXX with still a balance of {$9700.00} and the last payment they received was in XX/XX/XXXX. ( Wage garnishment started in XX/XX/XXXX and is still ongoing ). I have on numerous occation asked for a payment history but they keep sending the original Judgment. I believe either the judgment has been paid or being closed to being paid off. I would like The law office of Hunt and Henriques to provide some clarity on this judgment and a payment history please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The financing company repossessed my vehicle after EVERY single payment was made on time and then not even 24 hours of it being late they repossessed it for being Late. I had to pay repossession fees AND also hefty fees to the financing company ON TOP of my already HIGH payment. MY bank told me that they should have at least tried to bill my auto payment twice or three times before REPOSSESSING the vehicle. It was IN my bank account. NOW my credit report shows that I had a missed payment.

Also CURRENTLY I have made EVERY SINGLE payment BEFORE the agreed upon date each month so my credit report SHOULD show the actual payments. I am NOT happy about the fact  that the XXXX only shows I paid until XX/XX/XXXX when that is INCORRECT. I have paid EARLY every single month for this ENTIRE YEAR. I want the credit Bureaus to reflect the CORRECT payments. All it states on my credit reports is that it is current but only shows that I made  payments through XX/XX/XXXX. It should be showing XXXX and XXXX both of XXXX as well. 

View all accounts XXXX XXXX XXXX XXXX XXXX - 2 Missed Currently on-time Overview You've paid off 10 % of the original amount. 






Balance {$19000.00} Highest Balance {$21000.00} Monthly payment $ XXXXOpenedXX/XX/XXXX ( 1 yr, 5 mos ) Term66 months Payment History Youve made 88 % of payments for this account on time.

XX/XX/XXXX Current Current Current Current Current No Info XXXX No Info Current Current Current Current Current Current 30-59 Days Late Current 30-59 Days Late Current Last paymentXX/XX/XXXXCurrent Payment StatusCurrentWorst Payment StatusNo Info Account Details Account statusOpenTypeAutoResponsibilityIndividualRemarksConsumer disputes - reinvestigation in progressTimes 30/60/90 days late2/0/0 GO TO XXXX XXXX XXXX CREDIT ACCEPTANCE CO XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I has been over 6 months that I have submitted documentation to Equifax to have inaccurate information removed from my credit. I have repeatedly filed a complaint with this company. The inaccurate still remains on my credit. I have been hesitant to apply for a car and a place to stay because equifax is a major person in credit. On XX/XX/2019 I was approved for a place but I was considered a high risk due to equifax inaccurate reporting. I called and spoke with an Agent and her supervisort ( Agent number who could not verify me because I have 2 credit reports in my maiden name and married name. Equifax keeps telling me its one account but I can not verify myself. equifax continue to mail me two in different names. 


I have contacted this office and found and nothing has been done issues on my credit report I was told should have been off a long time ago
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) and data breaches, that you the Experian credit reporting agency, block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information XXXX XXXX XXXX opened XX/XX/XXXX Acct. XXXX Balance {$5100.00}, XXXX XXXX XXXX opened XX/XX/XXXX Acct. XXXX Balance {$1200.00}, Address : XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I recently wrote this company because my credit worthiness has been getting damaged by different companies on the same account. They seemed to have sold and re-sold this debt to different debt collectors. They have sent me a statement of a debt with a different company which does not show evidence that I entered into any contractual agreement with them. None of the companies have provided evidence as to why they are reporting this same debt as you can see from the account numbers on the attachments I have included and this is considered Fraud. 
Instead of deleting this debt reporting with the credit agencies, they sent me a letter stating that I owed them this debt under yet another company named Resurgent. In the body of the letter they claimd that they are representing another company named XXXX XXXX XXXX XXXX which I have not heard of any of these companies. All the letter says they are attempting to collect this debt without evidence showing written proof that I signed any contracts with THEM and their license number where they can collect debts in my state which proofs absolutely NOTHING as to how many companies have bought and sold this debt including XXXX who has continued to report this debt while selling it at the same time. 
You will see the discrepancies and the double reportings on my attachments.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Coinbase regarding an ongoing issue with accessing my account that has persisted for over three months ( this issue has been happening since XX/XX/XXXX though ). Despite numerous attempts to resolve this matter, I am caught in an endless cycle of failed resolutions, causing immense frustration and inconvenience. 

Here is a summary of my experience : I have contacted Coinbase support approximately five times to regain access to my account. 
Each time, I am required to go through their security verification process, which repeatedly fails to work as intended. 
After too many unsuccessful attempts, I am locked out of my account again. 
Coinbase support then assures me they will send an email within 24 hours with steps to resolve the issue independently. However, the instructions provided do not resolve the problem. 
This leads me to contact Coinbase support again, restarting the cycle with no progress or resolution. 

This repetitive process has prevented me from accessing my account for three months, and XXXX inability to provide a meaningful resolution is unacceptable. I simply want to regain access to my account, yet I am met with no effective assistance. 

I kindly request the Consumer Financial Protection Bureaus assistance in addressing this matter. It is unreasonable for a financial services platform to fail so thoroughly in resolving a basic access issue. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

US BANK XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am writing to dispute inconsistent reporting on my credit reports from XXXX, Equifax, and XXXX. The information on these reports is not uniform, which violates the Fair Credit Reporting Act ( FCRA ). Equifax is the ONLY credit bureau reporting this XXXX account that is NOT MINE! 

Equifax is in Violation of FCRA Section 1681e ( b ) Accuracy of Report : According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The discrepancies in my credit reports suggest that the credit bureaus are not complying with this requirement. 

Violation of FCRA Section 1681i ( a ) Procedure in Case of Disputed Accuracy : Additionally, under 15 U.S.C. 1681i ( a ), when a consumer disputes the accuracy of information on their report, the credit bureaus must investigate and correct any inaccuracies. The inconsistencies in my reports indicate that corrective actions have not been consistently applied across all bureaus. 

Attached are copies of my credit reports from the three major credit bureaus, highlighting the discrepancies, as well as my previous correspondence with each bureau regarding these issues.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and Coinbase has denied me any information from the account I have with them I started mining and my transaction was going to to Coinbase and I have five of my address are in the top XXXX of funds and I put some transactions in the tune of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they had it when I sent it then they give a review so I give them all the documents and I started to do my taxes which they have not give me access to any funds when I go in my account its not in there and they wont give me any information about it all they do is make me go in cycles I give them everything they ask but they want me to agree to something that I know will give them a out of payment of my XXXX that where I got my money from I been dealing with this matter for XXXX and still they are not giving me answers. When I talk to a person on chat I. The app they keep putting emails in my account that we have fix I not sure if XXXX know that they are doing this but they are trying to make me lose this money but I would have to pay my taxes on it still I have spent my savings and I have to live my realities until I can get on my feet. Its not fair that they been doing this with no concern about me our my family. I would like to sue them but I would like my money back they where the only ones that had access to my account when the had me under review. My money was in there and now its not.
Product: Checking or savings account

Two separate times I attempted to cash a check with the mobile check cashing. Now the checks were made out to my own family members and they just signed them over to me which means it's now my CHECK?! IT ALSO STATED pay to the order of and when I went to XXXX each time to make sure this feature was available and.each time.it stated yes. But it said for security reasons it couldn't cash it. Well neither of them for that matter. I have also had direct deposit threw them since XX/XX/2021. And I brang probable 6 clients for them. And yes for myself for the credits but and the checks in question are from the exact employer that I have had the whole time.and within a year I have never received a spot me of greater then XXXX $ but they advertise for XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXXXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX Account XXXX XXXXXXXX, opened XX/XX/XXXX XXXX. {$13000.00}, XXXX XXXX XXXX  XXXX Account # XXXX opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXXXXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXX XXXXXXXX Account # XXXX opened XX/XX/XXXX Bal. {$0.00}. Late Payment Account XXXX XXXX XXXX Inquiries : 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

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of items that were opened without my consent : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX has been sending me collection letters saying that I owe them a debt for XXXX XXXX. I've already disputed the account with the credit bureau. The only response I get from XXXX XXXX XXXX is a letter saying " We are uncertain of what you are specifically disputing ''. The certified that I've sent to the bureaus SPECIFICALLY state that I am disputing this account because it is NOT MINE. They are also reporting an address that I have never lived at. This company has done a poor job of handling this dispute. 

They sent me two letters saying that I owe {$410.00} for XXXXXXXX XXXX and {$1000.00} to the same bank. I've never had a credit or bank account with them. 

I've attached the letters that they've sent me.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on XXXX XXXX XXXX XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Date of reported late payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year, 2021, I was bombarded with anonymous phone calls to my home with demands for payment for an overdue bill from a company identifying itself as Nationwide Recovery Systems. I repeatedly requested that they send me paperwork to validate these claims. But, I received nothing in print to verify this company 's claim. I can prove that I have received nothing from this company as my room mate has USPS photo monitoring of our address. If they refuse to validate this claim, how am I to know if they have a valid claim. Just recently, when I attempted dispute this claim via XXXX XXXX, XXXX dropped my credit rating from XXXX to XXXX! How can they do this if the Nationwide Recovery Systems, Ltd.refuses to validate their claim? Through XXXX XXXX I keep a phone log, but Nationwide Recovery Systems , Ltd. doe not identify their calls. How am I to know that their calls are not from scammers.