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

First progress credit card reports to credit companies before my cycling dates. My bill is due on the XXXX. They reported on the XXXX. My cycle date is the XXXX. My Credit card balance was paid in fullon the XXXX. This is the second time they XXXX fine this because my cycling date fell on the weekend. I work hard on my credit. Pay all my bills. They are causing me to be denied or pay super high interest rates. The credit company dropped my scores XXXX points which will take me forever to recover from. I'm a business owner I can have bad credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit hard pull on my XXXX report from First Citizens Bank. I disputed this, as I was never informed that a hard pull would be initiated for a credit limit increase. Rather, they pulled it as an application for a credit card and never gave my the results of my credit limit increase request, and they were advised of numerous servlet errors in the app during the process that made everything work inproperly. I was advised by customer service to contact their main number for assistance. When doing so, they told me they can not remove pulls from a credit report and that had to be done through XXXX via the dispute process. I then proceeded to tell them about the errors, but nothing was done. I was also still not given the results of my limit increase. As a result, I submitted my dispute to XXXX as an error in reporting a hard pull inquiry. They immediately denied the dispute and closed it. I am asking that this pill be removed from any and all credit reporting within 30 days by either the reporting agencies or First Citizens Bank. I have copies of all correspondence.
Product: Mortgage

I missed last XXXX month payments on my loan due to a divorce process. I contact Green tree llc. to modify my loan. But they deny the loan modification. I tried to a payment arrangement with them but they refuse to work any plan. So i finally able to come up with the full past due amount and schedule to make payment on XXXX XXXX. I spoke with XXXX ( supervisor ) and want her to give me assurance that they will not foreclose my property. She told me she can not do that. She did n't want me send any document that i made the payment arrangement. I am unable to get any email from them to show that i made the payment arrangement. I am afraid that i will pay the full pass due amount and they will still do the foreclose procedure and i will lose my house. Please help me to figure out how to save my house.
Product: Credit card

I reached out to Citicards CBNA on several occasions to resolve an alleged debt of {$710.00} that was charged off and reported on my credit report. 

I citicard customer services on many occasions requesting a XXXX debt cancellation letter and they refused to send it to me. I even offered to pay off the entire amount on during my most recent call and they refused to accept payment my payment. 

Citicard has unlawfully continued to share my experiences and business transactions that i have with their company with third parties without my authorization in writing. 

Citicard continue inaccurately report late payments on my credit report that is causing an issue on my lending ability. 

Citicard action to report inaccurate late payments, refusal to send me a XXXX debt cancellation letter and refusal to accept payments form me when I attempted to resolve the above issue is unacceptable, unfair and unlawful. 

I therefore request that you help me look into this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When they ask you to write in details about the complaint : I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via XXXX certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my Equifax and XXXX reports as well so in order to correct the inconsistencies between the XXXX, Equifax, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Account number XXXX Balance {$14000.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX  Original creditor : XXXX  XXXX  Balance updated XXXX XXXX XXXX Account number XXXX Original balance {$1000.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX Account number XXXX Original balance {$1000.00} XXXX XXXX XXXX Original creditor : XXXX  XXXXXXXX XXXX. 
Account number XXXX Original balance {$480.00} XXXX  XXXX XXXX Balance {$600.00} 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 instructions
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. 

Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : # XXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX Account name : DPT EDXXXX : XXXX XXXXXXXX Account name : XXXX : XXXX XXXXXXXX, 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 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: Mortgage

After my wife and I had extreme financial problems Bank of America ( BofA ) put us through their modification process in lieu of foreclosure. The experience was absolutely horrible, we tried completing on our own but then had to retain a lawyer just to track the paperwork since BofA continuously lost all our paperwork. We were offered a short payoff amount which was then retracted. We signed a modification approximately eight months ago and began making the payments as agreed. BofA can not seem to adjust their system to match the modification agreement and continues to report inaccurate late mortgage payments. Payments can not be accepted online since their system is incorrect. I have sent approximately five letters concerning this issue. BofA continues to ruin my credit reporting inaccurate mortgage lates which has caused significant additional financial hardships.
Product: Debt collection

The company did not ethically do the right thing they didn't process the claim properly and tried to destroy my credit even though I disputed the medical bill and when I told them to process the claim properly IT GOT PAID BY THE INSURANCE COMPANY. They guys destroyed my credit because of their incompetency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted Equifax to have this bankruptcy inaccuracy removed. Equifax removes it and adds it back which lowers my credit score significantly. Equifax has had it listed as a Chapter XXXX then changed it to a Chapter XXXX. This information needs to be removed from my credit report immediately because it does not belong to me!
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Coinbase regarding a refund issue for a transaction made with their Coinbase Card. Despite confirmation from both the merchant, XXXX, and Coinbase that the refund was processed successfully, Coinbase has failed to credit my account with the refund amount. 

Details of the Transaction : Merchant : XXXX Order Number : XXXX Date of Purchase : XX/XX/year> Refund Date : XX/XX/year> Refund Amount : {$260.00} Credit Note : XXXX Background of the Issue : On XX/XX/year>, I purchased a XXXX XXXX XXXX  for {$260.00} using my Coinbase Card. I later decided to return the item, and XXXX processed the refund on XX/XX/year>. XXXX provided me with a credit note confirming the refund, and Coinbase also acknowledged receipt of the refund. 

However, Coinbase has failed to deposit the refunded amount into my account. When I contacted Coinbase, they claimed the refund was declined due to insufficient funds. This response is entirely unacceptable, as the transaction was a refund and not a debit requiring additional funds in my account. 

I have reached out to Coinbase customer support on XXXX separate occasions via both phone and email to resolve this issue. Unfortunately, these efforts have been unsuccessful. The latest case numbers associated with my attempts are : Case # XXXX Case # XXXX Despite providing all necessary documentation, including XXXX credit note and XXXX own confirmation of the refund, Coinbase has not taken any action to credit the funds to my account.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are reporting inaccurate information on my personal credit reports to others. I have filed CFPB complaint and the FTC reports which I have provided to them more then twice. They still are reporting fraudulent XXXX accounts on my reports despite me giving all information contrary to their claims. 

I have called, mailed, uploaded all pertinent documents and requested information at twice over past XXXX days. I have called multiple times to verify their receipt of request to delete block and remove all inaccurate information with regards to the XXXX XXXX XXXX XXXX accounts. 

I have had inquiries on my credit reports allowed even though I have credit freeze and locks on my credit reports. 

I need to have them follow the rules and laws of procedures regarding my credit reports account accuracies. I need help with this as they keep telling me they do not have my FTC reports or CFPB reports supporting my disputes.
Product: Mortgage

The loan in question was established in XXXX and was taken out by married borrowers, XXXX XXXX XXXX and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX formerly born as XXXX XXXX XXXX ) divorced XXXX XXXX prior to her untimely passing from XXXX in XX/XX/XXXX. XXXX XXXX XXXX, her only surviving son, contacted Vanderbilt Mortgage to notify VMF of the passing of his mother and provided a copy of the divorce decree that required XXXX XXXX to sign off of the loan as part of the divorce award to XXXX XXXX. XXXX XXXX moved out of state and was never heard of again. VMF made no attempts to locate XXXX XXXX and continued to accept payments for the monthly loan and yearly insurance from XXXX XXXX XXXX, the only surviving Successor In Interest, but refused to process any paperwork that would allow him to procure paperwork necessary to take care of the home ( including XXXX XXXX, taxes and homeowner 's insurance premiums ). The divorce decree and XXXX XXXX 's death certificate was provided to VMF in XXXX. 

XXXX XXXX XXXX passed away in XX/XX/XXXX. Again, XXXX XXXX attempted to process the Successor in Interest paperwork and VMF refused saying he was not " an authorized contact ''. The entire time, XXXX XXXX has been paying for a mortgage at a high interest rate and VMF has accepted the payments directly from his bank account. In XX/XX/XXXX, VMF took out an insurance premium in the DECEASED BORROWER 'S NAME and it was the equivalent of an additional mortgage payment. 

In XX/XX/XXXX, XXXX XXXX again contacted VMF to follow up on the paperwork that was said to have been sent out to take care of the Successor in Interest so that he could procure proper insurance and negotiate the mortgage rate. XXXX XXXX provided the Successor in Interest Form along with the death certificate of XXXX XXXX XXXX from XXXX, NC as well as XXXX 's birth certificate showing XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) as his mother. 

VMF REFUSES to process this Successor in Interest and told XXXX XXXX over the phone that they are allowed to open insurance policies in deceased borrower ( s ) ' names. After a successful attempt to email copies of the Death Certificate of XXXX XXXX and XXXX XXXX XXXX 's birth certificate in XX/XX/XXXX ( confirmed by autoresponder from VMF ), VMF then sent out mail to " XXXX XXXX '' asking him to complete the Success in Interest Form. There was no mention of the XXXX of XXXX XXXX and I am seriously concerned whatever ethical deficiencies are violating many terms of the XXXX XXXX protections. 

XXXX XXXX XXXX has not been able to receive tax or utility refunds, take out his own insurance policy on the home or negotiate the terms of payments, even when XXXX XXXX was in critical condition and hospitalized, resulting in the XXXX XXXX XXXX XXXX and work. The payments are always made and caught up and VMF is grossly violating terms of this loan on a XXXX XXXX XXXX mortgage that does not have any living borrowers. Please help.
Product: Vehicle loan or lease

On XX/XX/XXXX, I opened an auto loan with Credit Acceptance. I agreed to pay this loan through automatic withdrawal with my bank XXXX XXXX Checking Acct ending in # XXXX for the amount of {$410.00} that was always consistently deducted on the XXXX of each without any issues or problems until I called this company on XXXX XXXX to inquire about why my account was showing up as past due on my billing statement and in all 3 Credit Bureaus. This company confirmed that I was enrolled in the " automatic deduction program '' from my bank and informed me that it was a mistake/oversight on their part. The company updated my credit report in XX/XX/XXXX with confirming that auto loan was being paid on time and in good standing but they never went back in my credit report to delete the following inaccurate information that started back in XX/XX/XXXX : My credit report showed 30days past due during XX/XX/XXXX - XX/XX/XXXX ; 90days past due in XX/XX/XXXX ; XXXX past due during XX/XX/XXXX - XX/XX/XXXX ; XXXX past due in XX/XX/XXXX and 30days past due in XX/XX/XXXX. Please note that all of the above information is inaccurate and inconsistent with the fact that I had automatic withdrawal.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Trans Union, LLC for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Trans Union, LLC consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Trans Union LLC 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Trans Union, LLC 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Trans Union, LLC complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate. 

XXXXXXXX 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 card or prepaid card

Macy 's American Express charged a nonpayment fee on a waived late fee after I paid my full account balance ( minus the waived late fee ), resolved the late balance issue with their customer service under the belief that my full charge had been paid, and closed my charge card account. I believe that Macy 's American Express charged this fee illegally and as a matter of policy to receive additional payment. I believe they do this in order to generate additional revenue from closed accounts, specifically from consumers with previous late charges who are scared of damage to their credit score resulting from non-payment of this unearned charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any< purpose.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, and XXXX will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX Account XXXX Per letter received from XXXX XXXX dated XX/XX/year>, the account above has been confirmed as fraudulent use of my identity. XXXX XXXX has taken the necessary steps to close this account and remove any derogatory information regarding this XXXX XXXX account from your credit report. As such the account need to be removed from my credit reports immediately per the letter.
Product: Debt collection

The original creditor - XXXX - is billing us for a service that hasnt been provided by them. The service was provided by another company named XXXX and already paid in full. My physician ordered a genetic test for me through XXXX on XX/XX/2021. Afterwards, I got a text message from XXXX that I may pay {$250.00} for the genetic test before XX/XX/XXXX if I do not want to use insurance ; otherwise, I will pay through insurance with an out-of-pocket estimate of {$1000.00}. I paid {$250.00} to XXXX on XX/XX/XXXX in order to avoid the out-of-pocket cost. Afterwards, we got several letters from XXXX billing us {$1100.00} for the same service that we already paid for to XXXX. When we contacted XXXX, they denied any relation to XXXX and affirmed that I have XXXX balance with them. Afterwards, I contacted XXXX to clarify that they offered no service to us and the genetic test had already been paid in full with XXXX. They denied that the test had been paid for and only offered to reduce the bill to {$490.00} if I participated in some questionnaire. 

Recently, a debt collection company has reported the fraudulent charge of {$490.00} to my credit account which affected my credit score negatively.
Product: Debt collection

I reached out to the original creditor informing them about the fraud that occurred on this account by phone and through a cfpb complaint. I did not receive a notice to dispute or debt validation. The company is also trying to reage the debt which is illegal. I have disputed this with Equifax and also with the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX. XXXX. XXXX. Mo. XXXX. My. Compliant is. lack of consideration of positive. accounts not being reported on my credit report. Also. Experian credit bureaus is conducting a promotional program called Experian/Boost youre score which 4 of my associates have tried 8 times and failed to. accomplish. The program is fruad and designed to gain customers for there Credit. Repair Program
Product: Debt collection

Frederick J. Hanna XXXX have supposedly filed a lawsuit without notiyfing me or having court summons sent to me. I am getting letters from other legal representatives stating I am being sued or wages might might be garnished by Frederick J. Hanna XXXX XXXX XXXX XXXX. In an attempt to pay my account with XXXX XXXX XXXX, I have been working with a company XXXX. They are supposed to settle your debts through negotiations with your creditors. Although a third party, XXXX XXXX. XXXX, were willing to work with us. 

Somehow now Frederick J. Hanna, another third party has got involved and now is allegedly is in the process or has filed a lawsuit against me in court. I am getting letters from various Lawyers stating this fact. This agency is known for not informing consumers of their lawsuits, and does not have a good reputation. 

Since I have not been served any summons yet, I would like to go ahead and offer to pay this account in full by installation payments of {$300.00} - {$350.00} per month. If you XXXX Frederick J. Hanna, this agency has been sued by the Federal Government, ( Consumer Financial Protection Bureau ) and have numerous consumer complaints according to the XXXX etc. I can be reached at XXXX. Thanks so much.