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

Negative accounts are being reported on all XXXX of my Credit Reports : XXXX, XXXX, and Transunion. I have been disputing this item since XX/XX/XXXX every 30 to 45 days in 6 rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my 5th round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Help! The credit reporting agencies allowed a reinsertion of XXXX XXXX after it being deleted due to failing to validate that this debt belongs to me. As stated before I never authorize this account. The credit reporting agencies failed to properly notify me prior too furnishing this account that is reporting as a charge-off. I have attached a copy of debt validation Exhibit A. Exhibit B a letter from XXXX  XXXX stating that the account in question was taken over the phone or the internet. Exhibit C and FTC report, Exhibit D a letter from XXXX  XXXX stating that they are closing the account. Exhibit E is a letter from XXXX XXXX stating that they will be forwarding my fraudulent application to their fraud department which they never did. Exhibit F is a cease and desist letter to XXXX XXXX which they continue to violate.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX my spouse received and email requesting that I contact a debt collection agency. Upon calling them, I discovered that my Banana Republic credit card balance was past due and had been sent to collections. I have never received any notices to this effect and was never sent a bill and the company never attempted to contact me to notify me of the past due balance. Upon further investigation I found out that XXXX XXXX  had sold the Banana Republic account to Barclays. I was never notified of this change and never contacted by either of those companies. In fact, neither company had my correct billing address or phone number. I have lived at my current address since XXXX and changed all of my addresses upon moving which means XXXX provided incorrect data during the transfer to Barclays. 

I had automatic payment set up so my balance would be paid off each month and I would not have to worry about past due balances. I'm assuming this automatic payment arrangement didn't transfer over when Barclays took over the account. Had I been notified of this transfer of ownership, I could have prevented this from happening. 
I have opened a dispute with the credit reporting agencies and tried several times to contact Barclays to pay off the original balance which as only {$72.00}. ( I have been sent to collections for {$360.00} with interest. ) That absolutely was my debt but since the account has been transferred apparently they were not able to take the automatic transfer from my bank account as they had been doing in the past. 

Once again, no attempt was made to contact me by either company involved. XXXX and Barclays have an obligation to ensure that they have all customer information correct and notify customers of any changes to their account. Since this was never done in my case, I'm filing a complaint against both of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm responding to CFPB case # XXXX XXXX case XXXX XXXX There was no place to add additional documents This case in hand was dismissed by XXXX, XXXXXXXX XXXX XXXXXXXX then vacated by XXXX municple court therefore it should be removed from my credit report by all 3 reporting agencies As I've stated previously I was XXXX from XX/XX/XXXX until XX/XX/XXXX and my balance with XXXXXXXX XXXX on XX/XX/XXXX was {$0.00} Someone stole my credit card when I was XXXX and used this card Document # 10 shows that on XX/XX/XXXX, I had been XXXX since XX/XX/XXXX which had been XXXX XXXX XXXX XXXX XXXX XXXX XXXX The statement from XXXX shows that I had a XXXX balance in XX/XX/XXXX and the charges started coming during XX/XX/XXXX Which is 6 months after I had been XXXX  XXXX in their response states someone made a XXXX  call payment which was for {$26.00} and {$45.00}. So they think that makes me responsible for an additional {$9000.00} on other credit card purchases for one I was only one of millions of people throughout the united states XXXX therefore anyone of millions of people could have made those XXXX calls for them and I'm quite certain if the person who stole my credit card information is stealing credit information, they more than likely know several other people in XXXX Another example it states on XX/XX/XXXX my credit card made a {$150.00} payment to XXXX public schools ( XXXX ) why would I make a payment to XXXX I didn't even have a kid in XXXX in XXXX This is mere common sense if I was XXXX how or why would I let someone run up my credit card. I hadn't been doing that with my credit. My XXXX XXXX on XX/XX/XXXX was a XXXX. 
So after all those years of timely payments and building my credit score, all of sudden I just stopped caring about my credit score and let someone else run my card up. That literally makes no sense.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act this creditor Mazda Financial has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions under 15usc1666B a creditor may not treat a payment on a lease account under an open and consumer plan as late for any purpose
Product: Credit reporting or other personal consumer reports

The following addresses are incorrect and must be removed to accurately reflect my current address. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX The presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment, Fields XXXX - Address, XXXX XXXX ). Inaccurate address information can lead to issues of misidentification and may affect my creditworthiness.
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 Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Bank account or service

I have a checking account with Capital one bank for 4 years. On XXXX/XXXX/2016 I made XXXX pay check deposit totaling {$2200.00} into my account through ATM in XXXX. I had a temporary job in XXXX from XXXX to XXXX, there 's no Capital One bank there, so I brought it back to XXXX and make a deposit. Later on I found my bank account was been blocked, I went to the branch, and was told those checks were fake and they closed my bank account. Then I asked my boss, he has banking with XXXX, but those money was already debit from his business account in XXXX/XXXX/2016. I came back to the branch, and shown them my paystub and my boss 's bank transaction picture, but they even did n't look at, they insist hose check was counterfeit but refused give me any letter which I could forward to my boss. My co-worker also made their pay check deposit to their bank, but none of them got problem. My boss ca n't issue me another checks, cause he said his money was already take out from his account. Until now, I did n't get any letter or phone call regarding this matter. I just do n't know, where 's my money, and what reason cause this problem? What should I do?
Product: Mortgage

We refinanced our mortgage, and in a letter dated XX/XX/XXXX, Freedom Mortgage ( our initial mortgage company ) confirmed that the loan had been paid off. I failed to stop automatic drafts and we had an escrow balance, so the company owed us {$4900.00}. The check did not arrive, so I contacted the company in XXXX, fearing that the check had been stolen from our mailbox or not delivered to the correct location. In this phone call, I was told that the company would stop payment on the initial check and reissue another one. This check never came, so I called again on XX/XX/XXXX. In this phone call, I was told that the person who handled my first inquiry in XXXX wasn't actually able to initiate a reissue of the check, since it hadn't been 30 days since the original check was issued. Evidently this problem had been disregarded, no one followed up with me, and no check was set to be reissued. On this same XX/XX/XXXX phone call, during which I spent roughly an hour on the line, the Freedom Mortgage representative set up yet another reissue. I requested that this check be sent certified mail ( which I said I would pay for ) so it could be tracked, and they said that was not possible. I asked if I could be notified when the check was sent, and they also said that was not possible but I could call again 48 hours from that phone call to follow up. I called back on XX/XX/XXXX, and the representative said that the new check was to be dispersed no later than XX/XX/XXXX and I could call back to check again. I called for a fourth time on XX/XX/XXXX, when the check had not yet arrived, and the representative confirmed that the check was mailed XX/XX/XXXX, and my only recourse was to call back again on XX/XX/XXXX to have it cancelled and reissued again. 
There is no place on their online portal to handle an issue like this in a timely manner, so it seems that my only option is to sit on the phone for extended periods of time. I have received all other postage without issue from Freedom Mortgage for the duration of our time as customers. I was told that the only way for this company to get our money to us is through a check sent in the mail. It has now been nearly four months and the company has failed to provide the money we are owed.
Product: Mortgage

Wells Fargo put illegal add ons onto my mortgage payment monthly for the time period close to ten years. I did not okay any of these add ons nor did realize it was put on my monthly mortgage payment for length of time of the 10 year period. I was XXXX XXXX XXXXXXXX and fell behind in my payments while trying to sell the home. Wells Fargo convinced me to do lieu of deed and turn my home over to them, which left me and my children homeless and devastated. If I had known I was being charged extra monthly I would had stopped it. I feel maybe if I had had fraudulent inducement and aggravated fraud committed on me I may had kept my home. Also they sold my home to one of my perspective buyers 2 months after taking my home. I have been dealing with Wells Fargo for months now and they avoid my requests and the subject of their fraud committed on me.
Product: Credit reporting

I have been in contact with XXXX XXXX XXXX along with Equifax regarding XXXX account from the XXXX XXXX XXXX with the open date of XXXX/XXXX/XXXX and a close date of XXXX/XXXX/XXXX and the other with a opening date of XXXX/XXXX/XXXX, the first account of XXXX/XXXX/XXXX I never lived at the address and the other XXXX/XXXX/XXXX should is 8 years old and is showing current which is incorrect. I only have one current bill with XXXX XXXX and these XXXX items should be deleted off my credit file like I was advised they would be by XXXX XXXX. This is incorrect information affecting my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX 7. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX 10. XXXX XXXX Account XXXX : XXXX 11. XXXX XXXX XXXX Account Number : XXXX 12.XXXX XXXX XXXX Account Number : XXXX 13. XXXX XXXX Account XXXX : XXXX 14. XXXX XXXX XXXX XXXX Account Number : XXXX 15. XXXX XXXX XXXX XXXX Account Number : XXXX 16. XXXX XXXX Account XXXX : XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instruction 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: Money transfer, virtual currency, or money service

Hello, I am a coinbase ( pro coinbase ) user. I have account with them around 10-11 months. 
My account has been under review for last couple of weeks. Even I have submitted multiple ticket to remove the " under review '' on my account, all the tickets were closed. 
This has led my account to be frozen therefore, I am not allowed to buy/sell or even transfer money, therefore, it is incurring financial loss to me. will you please advise how I can get this moving. Coinbase has not been helpful on this matter to resolve my issue or provide a status.
Product: Checking or savings account

XX/XX/year> my phone was stolen and someone transferred {$900.00} dollars to them selves and chime is refusing to give me my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX account numbers have violated my rights : XXXX, XXXX, 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 2, also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address : XXXX XXXX XXXX, XXXX, NC XXXX Please update my name to XXXX XXXX My only social security number is XXXX My only correct date of birth is XXXX  My only employer is XXXX  I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, Enclosed is my Drivers License and Proof of Residence.
Product: Credit reporting or other personal consumer reports

I called my bank to see if I was able to skip a mortgage payment and tack it to the back of the loan. I was informed that there was a program that I could enter which would allow that as long as I made the next 3 payments on time, it would indeed go to the back of the mortgage. We agreed. No paper work was ever signed. We began making the payments each month after XXXX, as agreed. I was never told it would impact my credit or the negatives of the program or Id had not done it. 

As you can see in the photos, its reflecting horribly on my credit as well as my father in laws who is the co signer. The agent I spoke with today tried to help me understand what the program was and my options but neither option will fix my credit. I wasn't in that much of a hardship to even need all of the program which I found out was a covid 19 relief program that allowed up to 4 payments to be missed, which wasn't explained. I spoke to so many agents at US BANK and none of them could explain what the program was or how it even worked after my statements where coming in saying I owed {$4200.00} when I have been paying every month but the one I asked to skip. 

I feel the original agent wasn't aware or didn't understand the program and or did not explain the cons of doing this. I don't understand how a mortgage assistant program is set in place to ruin your credit even if you do pay.
Product: Credit card

To whom it may concern : My name is XXXX XXXX and I am writing to file a formal complaint regarding the recent reduction in my credit limit, inaccurate credit report assessments and the resultant loss of benifits associated with my account with Chase. 

As a responsible Chase customer since XXXX of XXXX, I have been building my account history. I was given an initial credit limit of {$20000.00}. I conducted a balance transfer in XXXX of XXXX and have not used more than roughly 40 % of my avalible credit. 

Despite this, Chase slashed my credit limit in XX/XX/XXXX to exactly what I owed, instantly hiking my utilization to 100 %, damaging my credit score. I was not given an opportunity to establish a solid account history. This action led to the loss of accumulated travel points and the promotional benefits I originally signed up for. This action undermines the initial reason for my application. 

Chase notified me of the reduction via secure message at XXXX  on Friday and no one was in the reinstatement office until the following Tuesday. When I called about this, I disclosed to them that I was XXXX, that nothing has changed regarding my income and that I had seen no changes in any of my other accounts. 

In order for them to consider a reinstatement of my original credit line, I was forced to allow them to conduct another hard inquiry ( this creditor alone conducted two hard inquiries within 8 months ). 

I would like to emphasize that Chase 's decision, based on inaccurate information from my credit report, has caused a significant drop in my credit scores and my XXXX score. This has a negative inpact on my financial stability and trustworthiness as a borrower. 

Chase claimed periodic reviews ; but my credit report shows that they have been monitoring my credit monthly, sometimes multiple times in a month. This frequent scrutiny, as documented on my report, raises concerns about potential discrimination, as I am a women with a XXXX last name. I beleive the reinstatement of my original credit limit was denied as a result of discriminatory practices towards XXXX XXXX women. 

I notified Chase, at the time of the reinstatement request, of a fraudulent credit card that was opened under my name and an ongoing fraud investigation. Despite this notification, Chase based thier reinstatement decision on inaccurate credit information, which violated the fair credit reporting practices that require the use of accurate data. 

I urge you to review these matters with the gravity they deserve, specifically the potential discriminatory practices. This felt like a discriminatory expereince from the onset. Chase must be held accountable to their customers. These actions can not go unchecked. I request that immediate action be taken to rectify the error and restore my creditworthiness, as I have demonstrated through my limited credit usage that I am a trustworthy consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according to the Fair Credit Reporting Act XXXX act account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXXXXXX XXXX XXXX account XXXX has also. 

XXXXXXXX XXXX account number XXXX has also violated my rghts XXXX XXXX XXXX XXXXXXXX account number XXXX has alo violated my rights XXXX XXXX account number XXXX has also. 

Departmnet of Edu Account XXXX XXXX XXXX XXXX has alot the account number is XXXX XXXX USC 1681 States I have the right to privacy.

15 USC 1681 Section 602A It also states a consumer Reporting Agency can not furnish an account with out written instruction.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to mandate the removal of any incorrect accounts from my credit report. Could you verify the documents? Some of the listed accounts are inaccurate in their reporting, with incorrect amounts and dates reported.
Product: Vehicle loan or lease

In XXXX, XXXX  I applied for vehicle loans for two new automobiles after I traded in two older vehicles we'd financed through PNC Bank. I purchased the vehicles in Virginia but had them titled in Oklahoma where I am a resident. Loan terms are favorable ( 3.5 % ) because I am a Servicemember. While the loan request was pending, I received a call asking if I was still on XXXX XXXX. I responded that I was on XXXX XXXX in an indefinite status until I retire ( no earlier than XXXX ). Thereafter, I received notice that my loans were denied because PNC was not licensed to operate in Oklahoma. I do not believe this is the real reason for the loan denial because I have a current loan for a third car purchased in Virginia and titled in Oklahoma with PNC. Further, the two prior cars I financed were purchased in Virginia but titled in Oklahoma. I suspect, I am being denied a loan because of my status as an XXXX XXXX servicemember rather than where the vehicle is titled.