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

once again Equifax reported reporting an account as current all last year and then this year they are reporting it late for a whole year. My XXXX XXXX account was reported as current all year in 2017 and now they are reporting it as late the whole year.
Product: Credit card

Online BOA credit card said something was wrong with my credit card account and to call them. I did XX/XX/2023 and because I dont have a cell phone and can not receive text verifying I had to go into XXXXXXXX XXXX XXXXXXXX to be verified on XXXX XXXX I went in was verified and the banker called the XXXX XXXX and I told her my account had been taken over and these criminals at XXXX XXXX XXXX XXXX XXXX XXXX XXXX had changed my address to theirs and my email and phone number to theirs. It's then that i verified my charges all to XXXX and XXXX which came to XXXX which I paid off in full XX/XX/2023. The fraudulent charges were all in their homestate XXXX. She said she would close my account and send me a new card but I never received it. It was sent to the crooks in XXXX. This is after I went through my correct address phone number and email. I thought it was all settled after I gave them this information and told them this was account take over fraud. I was frozen out of my account and the past XXXX XXXX I have not been able to get back on check their messages etc. I called XXXX XXXX again XX/XX/XXXX when I received an email statement Of XXXX aprox which were the fraudulent charges from my original account and the one that was sent to the criminals. Today XX/XX/XXXX I got an email statement of XXXX I called fraud got a new claim started with my information
Product: Credit card or prepaid card

1. I require *all* transaction information on my account ending in XXXX, subsequent to the XX/XX/2021 statement period. 

2. My account was closed by American Express on XX/XX/2021. 

3. As a result, I lost all access to online transaction information. 

4. Additionally, telephone customer service can provide no transaction information. 

5. In connection with three prior CFPB complaints regarding the remaining funds in the account, which were finally remitted to my bank, American Express provided me with all statements on the account through the statement for the period ending XX/XX/2021. 

6. However, there appear to have been a great many transactions for which I still have no record, for the time period from XX/XX/2021 to XX/XX/2021. 

7. I require this information for my accounting purposes. 

8. I was never provided a statement for what would have been the period ending in XX/XX/2021. 

9. I have absolutely no access to this information which has been permanently withheld from me by American Express.
Product: Student loan

On XXXX separate occurrences during the winter of XXXX of XXXX I was told many times that I was not able to remove my father as a co signer. I was also told that I was not able to have my interest rate of XXXX percent refinanced. I was told that there was nothing I can do and that this is something I would have to deal with. They never explained ways that I can try and beat the debt only ways to prolong paying. Currently I 'm not able to get above the principle of the loan and currently see no end in site to paying this off.
Product: Vehicle loan or lease

Dear [ Recipient Name or To Whom It May Concern ], I am writing to formally file a complaint regarding improper handling and reporting of a vehicle repossession debt, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, including 15 U.S. Code 1681b, 1681n, and 1681o.

Summary of Issues Failure to Remove Debt Balance After Sale : After my vehicle was repossessed and sold, the balance of the debt was not adjusted or removed as required. Despite the sale, the remaining balance has continued to be inaccurately reported.

Resale of Debt and Duplicate Reporting : The original debt was subsequently sold to another lender, and both the original and new debts are being reported on my credit file as active, resulting in a duplicate entry that significantly impacts my credit score. 

Lack of Proper Notice and Validation : I have not received proper notice, validation, or documentation of the debt 's accuracy from either the original creditor or the subsequent debt buyer. 

Violations of Consumer Protection Laws 15 U.S. Code 1681b : Credit reports must be accurate, and lenders must have a permissible purpose to report debts. The duplicate reporting of this debt and its inaccuracies violate this requirement.

15 U.S. Code 1681n : The continued reporting of incorrect debt balances and duplicates suggests willful noncompliance with the FCRA.

15 U.S. Code 1681o : At the very least, the handling of this debt reflects negligent noncompliance, causing significant harm to my credit standing.

Uniform Commercial Code ( UCC ) 9-610 and 9-611 : The sale of repossessed property requires creditors to provide notice of sale and ensure commercial reasonableness. If proper notice was not given, this could constitute another violation.

Impact on Credit and Financial Standing These actions have resulted in : Significant damage to my credit score.

Denial of credit opportunities due to the false portrayal of my financial obligations.

Emotional distress caused by the financial uncertainty and frustration of dealing with repeated inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a recent copy of my credit report and noticed two unauthorized inquires. 
I have contacted the creditors noted below, to inform them that I did not authorize these inquires and they stated that they have no evidence that I initiated the inquires either. 

Inquires : 1. XXXX XXXX XX/XX/2020 XXXX. XXXX XXXX  XX/XX/2020 I Then contacted Transunion on XX/XX/2020 to inform them that I did not authorize these inquires and to please remove them from my credit report. 

Transunion contacted me back saying the inquires will remain on my credit report for 2 years. These inquires are unauthorized and now so my credit file and score are negatively affected by this inaccurate information on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this dispute due to new evidence and Transunion has report incorrect information on my report. Upon to pull up my report from Transunion I found out several hard inquires that I NEVER AUTHORIZED. these items on my report are result of fraudulent activity. They must be removed from my report immediately. 
It should be noted that an inquiry that was not made by me is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XXXX Auto Dealers XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX Auto Financing XX/XX/2022 XXXX Credit Unions XX/XX/2022 Please delete these hard inquiries from my report immediately. 
I have include next supportive document for this matter : copy of my SSN, ID, proof of address, copy of FTC report
Product: Checking or savings account

Have repeatedly requested that Wells Fargo stop withdrawing money automatically fom my account for several years. The money was last withdrawn on XX/XX/2023 Official interpretation of 10 ( c ) Consumer 's Right to Stop Payment ( 1 ) Notice. A consumer may stop payment of a preauthorized electronic fund transfer from the consumer 's account by notifying the financial institution orally or in writing at least three business days before the scheduled date of the transfer. 
XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

The problem with my Prosper loan is that the loan payment due date is on the XXXX of the month and I have asked repeatedly for a change of date to accommodate making payments. My payment is due on the XXXX and I am asking for a move of payment due date to the XXXX. I have explained that this date bumps heads with my mortgage and leaves me with not enough money to pay my mortgage. They claim that I have had a move of payment due date once. I did not. 

I have so many issues so I will list them 1. The payment is due on the XXXX, if I don't pay them on the XXXX, they call my phone literally every 15 minutes on a robo dialer. 

2. I usually go in and schedule the payment for the XXXX because thats the pay date that I can commit to. When I do this and call them back they claim they don't see the scheduled payment. Meanwhile the payment comes out of my bank account as I schedule it on the XXXX. 

3. They keep pushing me to go with an extension of the loan or deferment which means that it will take me longer to pay the loan off. I don't want to do that I want to pay the loan off but they keep charging me interest so it looks like I am not paying anything.
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX - XX/XX/XXXX, I invested in Blockfis interest and wallet account. These assets have been paused from withdrawals and are rightly my assets. Since these assets are stored in cold storage within blockfi, Im writing this letter hoping that my investments are not used in settling with creditors and returned to myself. 

Currently, my holdings are as follows XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has refused to remove a fraudulent collection item from my report. I have contact the XXXX XX/XX/XXXX and XX/XX/XXXX on both occasions I received a response stating " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. '' Neither I nor anyone in my family have authorized this fraudulent balance or any transactions related to the {$110.00} amount being collected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On the behalf of XXXX ( XXXX ). I have also contacted the merchant who refuses to verify the transaction and they refer me to the collection agency who has also not responded to multiple requests to remove the fraudulent collection item from my report.
Product: Debt collection

Hi, I have a problem with Crypto Coinbase.. Randomly one day I received XXXX dollars into my coinbase account. I never got an email saying money was deposited anything. it didn't even tell me if I was purchasing crypto. First thing I did was contact live chat support on coinbase 's website, asking how I received the money.. they had no clue.. so I went with it, I thought " well Thank you ''. So I let it sit in coinbase 's account for about a week.. then I wake up XXXX day to XXXX dollars in my account and a fee, it said I need to pay coinbase a fee of XXXX dollars. at the time I was XXXX ( now XXXX XXXX XXXX ) I dont have job, I dont make XXXX let alone XXXX I have contacted Coinbase support for help and they told me its my fault... I didn't do anything wrong, why do I have a debt for coinbase 's doing.. I wasnt the one who did all this, I didnt put XXXX into someone account, they did.. so I started to think my phone got hacked or something.. I reset everything on my phone, Passwords, email, etc. Ive asked them if they can help in anyway. They told me to contact law enforcement. now they will not reply to me at all and I dont know what to do.. Im scared this is a life changing amount of money for me, and I don't want this to go to my credit.. this is emotionally hurting me everyday, I wake up thinking about it and I fall asleep thinking about it.. sometimes i cant sleep because this XXXX hurt.. Where am I going to get XXXX from???. I have begged and begged for help in emails and tried to call coinbase, nothing seems to be working..
Product: Credit card or prepaid card

Chime Bank is falsely closing your debit card after reporting a possible unidentified charge to them. For instance : I didn't recognized a charge to my account and wasn't sure if it was authorized. So, I reached out to Chime to report the charge, however during the conversation, I decided I would do research on the charge and call them back if needed. The reason being is because Chime disables your account when waiting for a new card. You are unable to use your funds unless you can transfer your money to someone with Chime. They do not overnight the card, so it takes anywhere from 5-7 days because of standard mailing. During this time you are without your funds with no access. Based on these reasons, I requested my debit card not to be closed and TO NOT DISPUTE THE CHARGE. Two hours later, I received a email stating that my card has been disable due to a dispute claim that I DID NOT FILE. Now I will not have access to my funds at ALL, this policy is illegal. I am asking that a representative look into this DISPUTE POLICY of CHIME for correction. There is many complaints of the same issue listed on the XXXX  of XXXX XXXX, however that are not a member of the XXXX. I will be changing from doing business with them but felt it was important to report this to prevent them from continuing this unfair practice. Even, if you tell them " NO '' they are still closing your debit card and keeping your money from you for several days or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed on my credit report that I have been disputing are not mine and I have been trying to dispute them for sometime now this 2021.
Product: Checking or savings account

I lost my debit card in business in XXXX. After calling Citibanks customer service center in the XXXX  ( no choice ) a new card apparently mailed. But no card arrived. XXXX citibank. They refuse to send a new card unless I mail an apostilled request for a card to the US. From XXXX. Physically impossible to perform this task in XXXX. Citibank actively preventing me From accessing my account and refusing to provide an alternative l.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report. The company never responded. I filed a complaint indicating I asked for my credit report and the company never responded. 

The company responded falsely indicating that my complaint was about inaccurate information on my credit report when I was complaining that the company never provided me with my credit report. 

I responded. The CFPB closed the complaint. I have not received my credit report. I just received another request to send my Government Issued identification and social security card. 

I already have done this twice. Can you XXXX please do your job.
Product: Credit card

This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( 2 ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; '' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax, XXXX and XXXX several times on many different dates due to my personal information being inaccurate. I have yet to get any results or updates. It has been a few months, this is frustrating. The wrong information is being reported and showing on my credit reports.
Product: Checking or savings account

On XX/XX/XXXX my account was closed and funds were debited but not under XXXX guidelines Ownership of funds policy STATES THE PRIMARY CARD HOLDER IS THE SOUL OWNER OF ANY AND ALL FUNDS DEPOSITED. After my investigation my account was deemed NONE FRAUDULENT and closed out with no reason only that PNC does not want to do business with me .... FAST FORWARD THE FUNDS ARE GONE, they have been sent back to the originator but not under federal guidelines a ach reversal can only be done within 5 days and under r17 can be returned up to 60 days it had been 3 years and I had no wrong doing. The Funds are gone and no one knows where.
Product: Credit reporting, credit repair services, or other personal consumer reports

A 30 day late showed up on my credit report for a credit card I applied in XX/XX/2021 I never got the card or approval. I contacted the credit agency and the credit card company " Self Lending '' telling them that I never got approved, never received a card or statement or email or phone call, so I didn't know I need to make a payment. To please remove this late charge from my account. I filed a dispute, provided documentation and nothing. I contacted Self Lending they only accept email and can not communicate. It appears that they opened an account didn't tell me and then charged me a {$25.00} fee, a late charge and a 30 day late notice on my credit report. The agencies are aware but will not do anything. I paid the {$30.00} that was there, but now I don't know what to do about the 30 day late. My score went down 30 points and this has caused damage to my family as we were financing our home and now we can't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting is giving me the WRONG score. I had my credit checked by a mortgage lender just Tuesday XX/XX/XXXX and was told that it was XXXX. On XX/XX/XXXX, I had problems logging into my Experian " account ''. They kept calling via bot to my XXXX voice and did not give me the option for a text. Well, if you start speaking to a XXXX XXXX number, and do not follow the prompts, you will miss the opportunity to speak with the person whom you are trying to reach. They do that to make you give them your REAL cell phone number -- because they " sell '' these numbers to other financial agencies and they wanted my REAL number for that  purpose -- they do not care about me as a consumer. I finally outed them on XXXX and I got someone to call me. Through their website, my score was XXXX!!!! How can it be that big of difference? In one day? They are fraudulently giving me numbers because they want me to purchase their products and I outed them on social media to other consumers who were having trouble because of them -- for some of the same reasons. I tried to get an " annual report '' and they put some type of discrepancy on my report as if they are " unsure '' of my zip code. So when I do apply for credit or try to get my lawful annual report, they don't immediately give it to me. 

These people are not even a US based company and should not have access to so much consumer personal information. They are retaliating against me! They also told me if I wanted to add my yearly income that might help my FICO -- that just helps them sell more of my information. Your score is your score regardless! I think they want me to PAY for Experian " boost ''. Credit bureaus should not be money-making organizations, because their goal is not to actually help the consumer -- they work against the consumer. 

I also see other things such as multiple hard inquiries that should not be there and an " account '' from a company that was discharged when I filed bank on my report that should not be there. They are clearly retaliating! I have worked hard to repair my credit and one of the bureaus is working against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is inaccurately reporting derogatory status to the credit bureaus. On my XXXX and Trans Union reports they are reporting 30 day late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To XXXX they are only reporting 30 days late on XX/XX/XXXX. Pursuant to FCRA 623 ( a ) ( 8 ) ( D ), a creditor is to accurately report to all 3 credit bureaus. XXXX XXXX has failed to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my report today and I noticed some accounts that was open I never was aware of there is some inquiries on my account as well as a bankruptcy Im so confused. the inquires dont even have a account why is this inaccurate info on my report man.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$680.00}
Product: Checking or savings account

Opened US Bank XXXX checking account. Money was deposited from spouse into account. Tried to transfer money out of account to another of my business accounts ( XXXX XXXX ). US Bank responded by flagging the activity as fraudulent and closing the account without giving me any opportunity to verify the activity. 

I have reached out to the company several times since then ( been at least 60 days if not more since I was told the account was being closed ). Each time they tell me they're working on it and can not provide an estimated timeframe when I will receive my remaining balance. They are holding my money hostage.
Product: Mortgage

We are going through financial hardship and we submitted a loss mitigation application in XXXX XXXX. The loan company is difficult to get a hold of. We faxed documents and we would follow up with a call and told application is in review, Then weeks later something comes in the mail saying " we are missing pg 3 & 4 '' we would email it to the email provided and no response. So finally we received a letter in XXXX XXXX saying loss mitigation application denied for not sending information timely. This is very frustrating we are now 3 months behind and can not get any help.