23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed XXXX XXXX XXXX reporting negative credit card account item on my Transunion credit report over the past XXXX years. This was a secured credit card that was open with initial {$300.00} security deposit back in XX/XX/XXXX. Due to fraudulent transaction I did not authorize XXXX XXXX XXXX closed account XX/XX/XXXX. XXXX XXXX paid was used to pay off remaining balance. This account was paid in full prior to being supposedly charged off by XXXX XXXX XXXX. I am requesting XXXX XXXX XXXX stop reporting this negative item on credit reports
Product: Debt collection

I was called today on XX/XX/2018 and have been repeatedly called by this company to collect a debt that I do not owe. ( There is nothing on my credit report. ) Many times they refuse to identify who they are.

They have also called my wife, parents, brother and sister to collect a debt I do not owe, disclosing details about the alleged debt. My parents were threatened that I would be prosecuted if the debt was not paid.

This has gone on for years. Approximately two years ago I sent them a cease and desist letter demanding that they stop calling.
Product: Debt collection

this debt is over the time period. AND THE LOAN WAS LEVY AGAINST MY current MORTGAGE. Its seem like I being target for a debt I don't owe.
Product: Credit reporting or other personal consumer reports

This is inaccurately reporting on my report. 
XXXX US DEPT . OF EDUCATIO- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear XXXX, I am in the process of applying for a reverse mortgage with XXXX XXXX XXXX, and the process was moving along quite well, but there is a requirement that my current mortgage servicing company, XXXX XXXXPHH cancel an existing FHA file numbeXXXX before the appraisal can be ordered. According to XXXX, XXXX XXXX XXXX, ( XXXX ) XXXX, EXT ; XXXXXXXX XXXX XXXX/PHH has been " Non Responsive '' to the requests for the cancellation. 

I have tried repeatedly to contact XXXX XXXX/PHH but am repeatedly placed on HOLD, hung up on, etc. 

Please help! 

By way of background, I was previously employed by Public Citizen, so I am quite familiar with your organization and its goals and objectives. I will also forward a copy of this complaint to XXXX XXXX XXXX, as well as my two Maryland Senators. 

Thank you in advance for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Received a debt collection notice from Caine and Weiner Company for a {$190.00} bill from XXXX XXXX XXXX I have never used this service and have never received any previous bills from XXXX stating I owed them any amount of money. This is a case of fraud or mistaken identity. I contacted the collection company and they want a police report in order to start a fraud claim. I do not wish to go through all the trouble when I never did this in the first place and have not had any fraudulent charges on any of my accounts that would have occurred earlier this year. I want this to be settled and do not have time to deal with this inconvenience. The collection company should drop this.
Product: Credit reporting or other personal consumer reports

I am listing six fraudulent inquiries from my Trans Union credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the listed inquiries do not belong to me and must be removed from my TransUnion credit report. I had a call with the company and credit reporting agency and was advised to fill identity test report for deletion. I am requesting TransUnion to Mark listed inquiries as fraudulent and remove them from my credit report
Product: Debt collection

This is my second attempt to NAVIENT. I have sent certified mail on XX/XX/2022 with returned receipt to NAVIENT for this alleged debt for the amount of {$11000.00}. I never received any correspondence via mail from NAVIENT. I never received verification of this alleged debt and full disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX we went on XXXX to receive XXXX credit score, which was at XXXX with Equifax and higher with XXXX and XXXX, so that we could go and apply for a home equity loan at XXXX XXXX XXXX to consolidate some bills and do some repairs and updates on our house. We went to XXXX XXXX XXXX and applied for the home equity loan on XXXX XXXX XXXX. We got a call from the credit union on XXXX XXXX, saying that our credit score had come from Equifax at XXXX, which was too low and they could not do the loan. We then got on XXXX and got XXXX XXXX credit reports. After receiving the reports we decided to go to equifax.com and pay {$7.00} for XXXX credit score directly from them, which was also at XXXX, which was the same value as XXXX showed. XXXX XXXX XXXX says that Equifax gave them our FICO score, which was at XXXX and is different. So we went on Equfax again and paid {$14.00} for the FICO score, once I found the link, and it says XXXX but doesnt really give a reason why since youre looking at the same credit report as youre looking at for the other number. My issue is this : If Equifax is giving out a fifty-point lower number to places that we are trying to do business with than they are giving to us, ( presumably so that we can fix it ), what was the point of all the legislature forcing them to be transparent?? This is not transparent. They are still trying to hide what they are doing. We spent months trying to raise our credit scores, like they tell us we need to do, successfully, and then they send a different score that is much lower? How can this be right??
Product: Vehicle loan or lease

This all has to do with my first complaint against XXXX XXXX  They recieved payments from me that the hacker/scammer reversed that I made over the phone with my debit card that had posted and cleared for weeks that I didnt reverse or return or want it done. Well after this I provided multiple proof for the hacker and explained my situation and XXXXXXXX XXXX claimed they sent the money back to credit acceptance that now claims I never ever paid at all.. I provided bank statements or returned actions to prove the payment via email and gave permission talk to my bank we have spoke 3 way with my bank and them on the phone to be un hung up on. My money has just disappeared now not XXXX  or credit acceptance can explain where its all at. They sent the repo company out and forced me to pay XXXX or they was going to take my vehicle and all tools inside which they would not let me get out. I explained my situation made payments to be embrassed harassed and completely just shamed and stressed.
Product: Debt collection

This letter is in response to the XXXX and XXXX 1099Cs I received. Thank you for processing them and sending me my copy so I can correctly file my taxes.

However, this account is still indicating a balance owing. Please update your system to reflect the cancellation of this debt.

Additionally on my prior notification to you when sending you a copy of the 1099C I informed you that you are not permitted to report any derogatory information onto my consumer credit profile. As per the LAW and Congress I am the one in charge of my consumer credit profiles, not you. You have 30 days to update my consumer credit profile by removing the derogatory remarks on my credit profile, late payment history, and update the account. I do NOT permit you to report this account as closed, or that the balance has been charged off. You may not report any payment history. You may only report that this card was opened, and the date opened. 
You are in violation of : 15 USC 1666b- with regards to late payment reporting 15 USC 1602p- With regards to inquiries 15 USC 1601 - Truth and Lending 15 USC 1692 - FDCPA 15 USC 1681 ( a ) ( 1 ) - Accuracy and fairness of credit reports 15 USC 1681C - Requirements relating to information contained in consumer reports 15 USC 1681i- Procedures in case of disputed accuracy 15 USC 6802 through 6805 - Disclosure of personal information, I have the right at any time to opt out of ANYTHING 15 USC 6801 ( a ) which is backed up with 16 CFR 313.2 - Any identifiable information.

16 CFR 313.7 - Privacy of consumer financial information 15 USC 1681, Privacy and Permissible Purpose 12 CFR 1022.3 Identity Theft 18 USC 1028A ( a ) ( 1 ) Aggravated Identity Theft 15 USC 1681b Permissible Purpose of Consumer Reports 15 USC 6802 Obligations with respect to disclose personal information.

15 USC 6803 ( b ) ( 1 ) ( A ) Disclosure of Privacy -XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX, XXXX. I purchased a XXXX, and a XXXX, from the XXXX phone store in XXXX, XXXX. This purchase was done through Acima Leasing. On XXXX XXXX, XXXX. I started receiving emails from Acima, stating I was 1 day past due! This was Just 5 days after my purchase, they already had me in collections and considered late. I was not informed, by either party, that I would be charged in 5 day or that this XXXX would XXXX to over 100 % in 90 days. I did NOT agree to any of this. My first installment is supposed to be on XXXX XXXX, XXXX at a rate of {$77.00}. The 2 units, I purchased were priced at {$450.00} ( XXXX ) & the XXXX ( {$350.00} ) with a total of {$800.00}. Acima Leasing Balloons the {$800.00} to {$1900.00} in 90 days. I contacted Acima after receiving the email and told them that I wished to make a return because I did not agree to any of this, nor to this amount. A particular Acima agent is giving me a hard time. A woman named XXXX told me that she doesn't care if I want to return anything, because she's not letting me. XXXX stated that she was a Supervisor and that she was going to make sure no one else could help me I told her I am going to report her and she stated she did not care. This was today, XX/XX/XXXX, at XXXXXXXX XXXX. Yet, I have an email from Acima, stating that I have can return any Item, at anytime, WITHOUT any penalties. As of XXXX, Acima prematurely attempted to charge my account. This lending practice outrageous and seems to be Predatory and a Scam. I do not understand why they are refusing to let me go. None of these 'post purchase ' practices were discussed or agreed upon. I am being XXXX  into staying here.
Product: Payday loan, title loan, or personal loan

I requested a credit balance refund from synchrony after I mistakenly set my Synchrony/ XXXX XXXX XXXX XXXX line to autopay in full, resulting in a payment of {$610.00} on XX/XX/XXXX instead of a payment of {$29.00} and a balance of {$0.00}. I requested a refund for the over payment, and SynchronyXXXX XXXX XXXX agreed to mail me a check for that amount. My Synchrony/XXXX XXXXXXXX XXXX balance was updated to {$610.00}, to reflect the refund request. I was told I would receive the refund check in 7 to 15 business days. It has been 19 business days and I have not received my refund check as of XX/XX/XXXX, despite making several inquiries. I was not provided a tracking number and every time I called, I was told to just wait a few more days. On XX/XX/XXXX, I called again to ask about my refund check. The company said they would send another check. I was not given an option for XXXX or expedited check processing, nor did they offer any tracking or explanation on how this processing would be different.
Product: Credit reporting or other personal consumer reports

inquiry no authorizer : XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

This complaint is against PNC Bank. My husband and I were BBVA customers, which was previously Compass Bank. As I am sure you are now VERY aware, PNC bought BBVA and on or about the weekend of XXXX XXXX, PNC migrated BBVA accounts XXXX changing account numbers, etc. We had four accounts with BBVA, two business and two personal. These accounts were all linked and accessible via online banking prior to the migration. After the migration, only three accounts were linked, the two business accounts and the personal money market account. The personal checking account was NOT linked and all the bill pays previously set up with BBVA were CANCELLED. This is completely unacceptable. To make the problem worse, PNC appears to have been completely unprepared to deal with the onslaught of customer service calls as a result of problems caused by their so-called migration. Each customer service representative I managed to talk to about the issue the day after the botched migration ( after being on hold for ridiculously long periods of time ) had a different approach to resolving the issue, none of which made sense. They were clearly not very well trained. When we went to a local branch the day after the botched migration in an attempt to fix the problems, the person there filled out a form to fix the linking or so we thought. Here we are over a month later and the personal account is still not linked. Each week, I call customer service and I get yet another story as to why the linking is not done. 

It is COMPLETELY unacceptable for a bank to CANCEL scheduled bill pays, as PNC did. This created all sorts of problems. Further, the minimum they could have done is to notify us that there was a problem, which of course did not happen. 

Further, we went to the branch where we had a safe deposit box as we needed to move the contents closer to where we are now living. This was a former BBVA branch and the people there did not even have instructions as to how to cancel the box. I have no confidence that the automatic charge was not stopped. The manager actually had to go to her office and print out online instructions.

This bank was clearly unprepared and incompetent in the acquisition of BBVA and the transition of our account and many, many others.
Product: Credit reporting or other personal consumer reports

In accordance with the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), I am submitting the required documentation and a letter from an advocacy organization assisting me due to XXXX XXXX  resulting from XXXX XXXX This situation is covered under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I respectfully request that you remove the associated information from my credit report within four business days, in compliance with Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXX involving XXXX XXXX, I am seeking the removal and blocking of all listed accounts from my TransUnion credit report. 

The accounts in question are : XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX, Account Number : XXXX Chapter XXXX Bankruptcy, Account Number : XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I leased a XXXX XXXX XXXX from XXXX of XXXX XXXX. This transaction was done remotely by their representative XXXX XXXX. I authorized ONE HARD credit inquiry by their company which is their usual process. This is my second car from this dealership and this was the process in XXXX. However, upon checking my credit report I observed MB Conducted TWO HARD credit inquiries, one by the sales representative and two hours later ( according to XXXX ) another by  Mercedes-Benz Financial Services. This second inquiry was done without my KNOWLEDGE or AUTHORIZATION. I know In my heart and mind that this was done because I am XXXX XXXX, they would have NEVER treated a Caucasian buyer with such disrespect. What did they think would possibly change between XXXX when I spoke to the representative and XXXX when I picked up the car. Had I been informed it would take TWO INQUIRIES for this transaction I would not have authorized any. I spoke to their representative XXXX in the sales department and to XXXX XXXX XXXX and was informed that this was the process, but I know it IS NOT. And if something changed I should have been advised of this BEFORE the transaction, not a month later when I observe my credit report has gone down 25 points for this one transaction. TransUnion states it appears as if I was purchasing TWO vehicles. I am getting nothing but the runaround from this company. This is a criminal offense and XXXX XXXX should be investigated for this kind of deceptive business practice.
Product: Money transfer, virtual currency, or money service

COINBASE.COM I have been trying to get COINBASE to help me access my account for months.

The problem is the 2-step authentication does not work Their solution is always to sign in to my account to fix it ... .BUT I need 2-step authentication to sign in.

I have started the process 5 times, they say they are sending my case to an expert, then I never hear back from the expert ....
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear CFPB, I am writing to formally file a complaint regarding inaccurate and misleading information on my credit report. The reporting in question appears to violate the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. 
Details of the Complaint : 1. Inaccurate Balance and Status Reporting : o My credit report reflects an account with XXXX XXXX. The account is reported as Collection/Chargeoff with a balance of {$24000.00} and a past-due amount of {$12000.00}. However, I believe this information is inaccurate based on the following : The balance and past-due amounts are not consistent with my records. 
The account status may not have been updated to reflect recent activity or payments.

2. Duplicate Reporting of the Account Across Bureaus : o This account appears to be listed multiple times across TransUnion, XXXX, and XXXX. Duplicate reporting has caused significant harm to my XXXX XXXX and misrepresents my creditworthiness. 
3. Failure to Provide Accurate Comments : o The comments section contains misleading and potentially inaccurate language, such as Charged off as bad debt and Unpaid balance reported as a loss by credit grantor. I am concerned these comments unfairly damage my reputation.

Steps I Have Taken : I have contacted the creditor and credit reporting agencies to dispute these inaccuracies. Unfortunately, the issue has not been resolved, and I have not received a satisfactory response. 
How This Affects Me : These inaccuracies have negatively impacted my credit score, leading to denials for credit and increased interest rates. This situation has caused financial harm and unnecessary stress.

Requested Resolution : I am requesting that the CFPB investigate this matter and ensure the following : 1. The account details are verified and updated to reflect accurate information.

2. Any duplicate entries are removed from my credit report.

3. The creditor and credit reporting agencies comply with FCRA requirements to ensure my rights are protected. 
I have attached copies of my credit reports, correspondence with the creditor and credit bureaus, and any supporting documents for your review. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

They can not legally report accounts containing information with my transactions, experiences, or any dealings with another company. 

They are currently reporting my transactions and experiences with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Citibank informing me that they had downgraded my credit card from an {$8600.00} Credit Line and {$2000.00} Cash Advance Line to a {$1000.00} Credit Line and {$0.00} Cash Advance, on my CitiBusiness AaAdvantage credit card. 

The letter stated that Citibank received a credit score from XXXX  for me of XXXX, which they used to make this decision. However, when I logged into my " XXXX  '' account, I found that my Credit score was XXXX ( Excellent Credit ), which is the credit rating that I believe I always had. 

Citibank sends periodic " Soft Inquiry '' requests to XXXX to insure that my credit rating has not changed. I believe that Citibank somehow either received an erroneous response to their last Soft Inquiry from XXXX, or that CitiBank had some processing issue and did not process the XXXX report properly. 

I can not get either CitiXXXX or XXXX to provide me with a copy of the Soft Inquiry in question. CitiXXXX refuses to re-instate my previous credit line, even though I have excellent credit and my current credit rating as of XX/XX/2021 is XXXX on XXXX. Citibank suggests I should dispute the credit report that they received from XXXX, but they will not provide me with the report that caused them to downgrade my credit. Since my credit rating/report/score on XXXX is near perfect, I don't have any cause to dispute information on their website, or with the credit report that they provide to me directly. 

I need help to force CitiBank, and/or XXXX to provide me with any documents that caused this downgrade. 

Thank you for your help
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.