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

I took a starter loan out at XXXX XXXX XXXX of XXXX, Tn,XXXX this was around XX/XX/XXXX after getting the loan I fell on hard times and defaulted. Well after getting back on my feet i been trying to get my credit straight out. I received a letter from XXXX XXXX the beginning of XX/XX/XXXX offering me three options of paying off the loan I took the offer to pay them off as it was a small starter loan. So I payed them off on XX/XX/XXXX. I asked the manager when it would be off my credit and he said they reported monthly so around 2 months I said great. The other day trying to get a starter loan at another instutution they said they could n't cause I owed XXXX XXXX I said impossible I paid them off at the beginning of the year. I provided her my payoff receipt and got the loan but she advised me I was n't the only one that she seen World Finance do wrong she told me they reported on my credit report that I still owed them in XX/XX/XXXX But my receipt shows it being payed off in XX/XX/XXXX. I talk to XXXX XXXX XXXX of XXXX in person and they stated that I still owed them even though my receipt shows otherwise. The lady said since I took the payoff amount that it was n't paid in full but my receipt says otherwise.
Product: Checking or savings account

On XX/XX/XXXX my account information was stolen and accessed without my knowledge. They made a tele transfer of all funds from my two savings account to my checking account, and then made several international purchases, draining the account. I immediately contacted Wells Fargo and made them aware of the fraud.

The card used in the checking account for these transactions was ending in XXXX. That card was never in my possession, and I did not authorize its use or have any knowledge of it. 

There is some documentation of them using a XXXX XXXX phone, which I have never owned or used, and can be verified by my current phone company. 

I checked my online messages through the banking app and saw that on XX/XX/XXXX someone made two unauthorized telephone transfer to move the funds from my two savings accounts. Reference # s : XXXX and XXXX I have attempted multiple times to resolve this with Wells Fargo, and was told the claim was denied, and refused an explanation of why or how to proceed. These are clear fraud, and easy to see as such just by looking at my account history and the transactions.
Product: Checking or savings account

This compliant relates to the CFPB Case XXXX. Truist Bank sent a letter to me regarding the original compliant and the actions they took. The letter stated " We refunded the fee and sent you a {$50.00} check on XX/XX/ ''. The letter was from XXXX XXXX, Client Resolution Specialist in the Consumer Regulatory & Executive Services Team. XXXX also said in that letter that I should call them at XXXX if I had any questions. 
I have never received the {$50.00} check. I called the number on 5 different occasions. No one has been able to tell me where this {$50.00} went or to connect me with XXXX. On one call, XXXX told me the {$50.00} was not mailed but rather put in a new XXXX XXXX account because it related to an IRA. I called them and that did not happen. The money appears to have disappeared. My concern is the incompetence of the people answering the phone, writing letters which are completely inaccurate, and basically lacking integrity. Are there no controls in place at Truist? Do they not train people answering the phone? Are they always dishonest in letters they send? 
I moved my money because they closed my account without my permission and just issued a check. Their explanation was a processing error. Wow and they have access to customers ' information.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Credit Card : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting these erroneous lates on my credit file. I traded in my vehicle and I was told that the remaining trade in balance would be paid the XXXX! This is why I went ahead with the trade. Now I'm seeing lates on my credit file after the trade in. I should NOT have any lates on XXXX OR XX/XX/2020. This lates are erroneous and I demand them to be removed. This is affecting my credit on someone else 's mistake!
Product: Debt collection

The collector was notified in writing to discontinue contact at the phone number provided above. I have since received calls at this number. Also, a garnishment has been granted, but not begun at this time ( I received notice from my employer in writing ), yet the collector still calls me both on my job & cell. I spoke with an account manager on XX/XX/2017 & he is aware of the garnishment, yet I received 2 calls ( work & cell ) on XX/XX/2017 from the company. I have attached a copy of the written notice to cease communications at the above number. There was also a check attached where a payment was made at the time that the letter was issued to the company. They processed the check ; therefore I know the letter was received.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX  Balance : {$180.00} ; XXXX XXXX XXXX XXXX  Balance : {$460.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit card or prepaid card

I tried to pay my walmart Mastercard monthly balance early last XXXX and That payment was applied to the previous month and then for the month of XXXX my account was marked late. The walmart Mastercard is designed to make money from this countries poorest individuals from interest rates and late fees. If you pay your balance off every month, they are not gaining anything and therefore make it impossible to keep the account. Then walmart cut off my card and I paid off the full amount and it was opened again. It's my only credit card and so I pay the balance off every month now just trying to improve my credit score but every month even though I pay it on time they cut it off. Plus walmart is on my credit report like 5 different times for the same issue so I cant even get a different account. I thought paying the whole amount every month was a good way to improve my credit score but it's been a nightmare. I am scared to close the account because they never remove the negative things from my credit report and a closed account looks bad on me not them but the issuer is the worst credit agency I have ever had to deal with in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account # XXXX open date XX/XX/XXXX amount XXXX I called XXXX also file an FTC report and they told me that they no longer have that info FCPA section 807 violation misleading false reporting and like this removed account # XXXX American adjustment open date XX/XX/XXXX, amount {$130.00} this account is also fraud and did an FTC REPORT XXXX XXXX XXXX account # XXXX amount {$7300.00} open date XX/XX/XXXX, this account is not mine as well as the others
Product: Checking or savings account

On XX/XX/XXXX I tried to make a cash deposit in the TDBank ATM at XXXX XXXX XXXX  XXXX XXXX. The ATM took my cash, exactly {$500.00} and then malfunctioned and flashed a message indicating that I should take my cash. But there was no cash to take. I noticed that some bills were visible inside the slot but I could not get a grip on them. After some effort I did manage to extract {$40.00}. The ATM then messaged me to see someone inside the bank, and a few seconds later it said OUT OF ORDER '. 

I went into the bank and sat with someone who filed a complaint but told me she could not operate the ATM directly. Four days later I received a letter from TDBank denying my claim. But I noticed they had investigated the wrong ATM ( XXXX, XXXX  ). 

I went back to the bank again on XX/XX/XXXX and was told the system was down. I left my information with a bank officer who assured me he would take care of my issue when the system was back up. 

I returned to the bank again on XX/XX/XXXX and was told my claim w as not filed as I'd been promised. A manager I sat down with filed a claim with the correct information ( I assume ). 

Today, XX/XX/2023, I returned to the bank for the fourth time. I sat down with the person who filed my original claim ( with the erroneous information ). She seemed very confused and unable to provide any useful information. After 30 minutes, I left the bank. 

They still have my {$460.00}
Product: Credit reporting or other personal consumer reports

I opened this account early or mid XXXX or XXXX. Upon opening the card, I was told that NY & Co has a protection that pays the card off in the event of hardship and job loss. Working in the mortgage and finance industry at the time, I knew that was something I could benefit from since I was laid off 3 times prior to opening this card. I opened the card, and had absolutely no issues paying until I lost my job. I had the first incident in XX/XX/XXXX, during COVID, I lost my job due to company downsizing. I submitted all of the required paperwork and I was told that it would take up to 30 days to have the account closed out. I was still being billed, and I had no idea until I received a late delinquency on my credit report. I called and was told that everything was closed out so I did not think anything else about it. XX/XX/XXXX, I received a random bill from NY & co, and I was thinking that it was a final bill from the account being closed. So I paid {$60.00}. 
Fast forward to current, I am in the process of buying a homes, and this card has been negatively reporting for over 5 years. I had NO IDEA! XX/XX/XXXX, I contacted NY & Co, and they Blamed XXXX XXXXXXXX for account not being closed out.I called XXXX XXXX, and was advised that ComenityBank should have paid off the account years ago. I have opened up so many complaints, escalations, and disputes. The last dispute has been opened almost 5 months, and no update nor resolution. I spoke to XXXX XXXXXXXX Friday XX/XX/XXXX, and was told that my account would be paid prior to XX/XX/XXXX, However, my credit is already shot due to this issue and they disregarded the XX/XX/XXXX job loss benefit. I would like this investigated, and the negative marks reversed from this company.
Product: Payday loan, title loan, personal loan, or advance loan

I was making payment as usual but then I have lost my job last year in XXXX, the company that provided the credit line is synchrony bank the company is XXXX, the lender charged off my account and write off the total balance and never send me form 1099C as I requested and on XX/XX/XXXX after a month of they charged off my account, they filed a sue trying to collect this debt. I believe they are braking collection laws since they reported the account as a loss and they need to provide 1099C so I report to IRS as income. I am attaching all the documents pertaining on my credit file and the court citation. Thanks so much for helping, and please respond to see what laws they are braking so I can use them as my defense. Thank you very much. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit of CREDENCE RESOURCE MANAGE date stated XX/XX/2023. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debit, in fact therefore exists.
Product: Student loan

My loans are not consolidated so the total payments on the loan is way more than I can afford. I was told that I can not pay them down one at a time but had to pay them all at once. I went into forebearance because I could not afford the payments along with my daily living expenses. Even when my income was submitted in hopes of receiving an affordable payment, I was advised that I would need to pay XXXX per month to avoid default. I can not afford so forebearance was suggested. I went into foreberance and my loans have increased a whopping XXXX over the course of one year. I am digging a hole that I can not seem to get out of no matter how hard I try. Most people attend college as a means to better their life and make more money but if you have to pay all of the additional money you are now making back to student loans, what is the point of furthering your education? I grew up in a home where my parents could not afford for me to go to school. So I had to take out student loans and I am now regretting my entire decision to return to school. I have children that will be going to college within the next 10 years and with the amount that I owe, I will be unable to afford for my children to go to college and thus the vicious cycle begins again. I need help. This system is unfair to those who grew up less fortunate than others.
Product: Debt collection

This account CREDENCE RM XXXX balance {$160.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a XXXX  XXXX XXXX and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Money transfer, virtual currency, or money service

I reside in XXXX, but can supply a U.S. mailing address for correspondence if required. 
On XXXX XXXX, I sent 2 international transfers from a XXXX bank account to Coinbase ( A U.S. Registered company ), using the required reference given by this company of XXXX. 
2 Remittances were sent that day for : XXXX GBP ( Equivalent of {$2000.00} USD ) XXXX GBP ( Equivalent of {$60.00} USD ). 

On XXXX XXXX, I received an e-mail from Coinbase to say they 'd had some delay processing funds received from their customers but that my XXXXGBP ( {$2000.00} ) received was now credited to my account with Coinbase, for purchasing of Crypto Currencies. 
There was no mention of the XXXXGBP ( {$60.00} ). Coinbase has never even confirmed receipt, although I can obtain a bank trace, if required. 

The funds of XXXX were not in the account as their e-mail stated and have not materialised since. 

I have tried calling their helpline, but am unable tto get through. After 30+ minutes of waiting, the line simply hangs up. I have sent several tickets to their online support system and have not had any meaningful response in almost a month and at this stage have given up expecting one. 

Since searching online, I understand I am not the only person who has suffered losses like this, there are many others who despite efforts, have been unable to reach Coinbase or receive monies that were in effect stolen after sending in good faith to Coinbase.

As the funds I sent via bank transfer using the reference they requested I use have both not materialised over 1 month after sending, I must report I have had these funds stolen and am now seeking legal help recovering in full - what is mine and not Coinbase 's.

I would appreciate the assistance of the Consumer Financial Protection Bureau in recovering the money I have had taken by Coinbase, without my permission, which is tantamount to theft.

Please reach me via e-mail - this is the best way to contact me when needed.
Product: Payday loan, title loan, or personal loan

My loan was obtained through XXXX as broker and through First Tech Federal Credit union. The deposited proceeds from the loan hit my bank account on XX/XX/22, however the amount being paid directly to credit cards have not been applied, nor are there scheduled payments showing. This means I am paying interest on the funds to First Tech and to the respective credit card companies. 

XXXX - Loan Approved and Promisory Agreement Signed XXXX - Proceeds deposited into my checking account XXXX - Direct payment to cards still not posted.
Product: Mortgage

I contacted a company by the name of Guranteed Rate XX/XX/XXXX and was assigned a mortgage person by the name of XXXX, who advised me that combining XXXX mortgages would not be a problem and at the time I had an Excellent rating on credit. I submitted all the documents requested over a two month period then was asked to have my wife get put on the loan and I did that also, this turned into in excess of XXXX months of back and forth with this lender, who by the way did XXXX Hard Hits on my credit report lowering my credit, and when I asked XXXX why she said that is common, emails for proof. This company also over charged me for my home appraisal which I informed XXXX of but she said I would get that refund at closing. Last week they told me that I was NOT getting approved after several emails telling me I was. Minimally I want my Full Appraisal fee returned and would like to pursue this complaint against this Guranteed Rate
Product: Credit reporting, credit repair services, or other personal consumer reports

I just contacted Experian about these XXXX creditors that have added an unauthorized credit inquiry on my credit file. They did not comply with my request and i am requesting the deletion of these XXXX inquiries. I have contacted these XXXX creditors and they have nothing on file for me. 

XXXX XXXX XX/XX/2021 XXXX Credit/Griffith XX/XX/2021
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed. I had fraudulent accounts on my report. please remove these account from my credit report. they are hurting my ability to obtain credit. thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Inquiry on  XXXX / XXXX / 17 . I   did not authorize this inquiry.
<P/>
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Product: Mortgage

I recently refinanced through Amerisave mortgage. They have failed to pay XXXX 4th quarters taxes. I contacted them on XX/XX/XXXX after I received a tax sale notice from my town. I also emailed them a copy of the notice and the tax amount that was due. They failed to pay by the end of XXXX. On XX/XX/XXXX, I received another notice from my town regarding the taxes owed and the upcoming tax sale. I contacted amerisave mortgage once again and forwarded them a copy of the tax sale notice. I received my monthly mortgage statement and observed that I had XXXX in my escrow account. I contacted my towns tax office and was advised that the taxes were still not paid. On XX/XX/XXXX, I received that last of the tax sale notice. I contacted amerisave mortgage again and was told they sent a partial payment on XX/XX/XXXX. I contacted the tax office and was told they have not received any tax payment. The tax sale is scheduled for XX/XX/XXXX. As of this date, XX/XX/XXXX the taxes have not been paid.