23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

CitiBank Department of Defense accounts. 
Require service members to advance pay for required transfers and trainings. Took over 14 months to be reimbursed, causing late fees and cancellation of account, causing issues with chain of command. When trying to contact the company to make payment, called 7 times from XXXX to XXXX, sitting on hold for up to 2 hours. Operational commitments did not allow longer. Now back from XXXX, still attempting to contact the company with no answer. The Department of Defense is forcing service members to advance money to the government to pay for XXXX expenses with little to no backing in being reimbursed and no correction in sight. Only involving my executive officer, second highest ranking member of the XXXX XXXX XXXX enabled me to be reimbursed, however, CitiBank refuses to answer their phone. CitiBank has also begun garnishing wages from service members, so far to the sum of XXXX XXXX dollars.
Product: Money transfer, virtual currency, or money service

In late XXXX of 2022, I received a text that there was transaction activity in my Coinbase account. I could not sign in or even change my password. I have sent Coinbase multiple e-mails for assistance to no avail. As of now my account is still blocked.
Product: Credit card or prepaid card

On XX/XX/2022 Capital One closed the credit card account after receiving my XXXX. Please see attached documents for details of what Capital One has done.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has stated that it is illegal for medical bills to be reported on credit reports under certain circumstances. This is primarily due to the protections provided by the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Under the FCRA, specifically : 1. **Section 605 ( a ) ** : It restricts the reporting of certain types of information, including medical debts that are paid or settled.

2. **Section 623 ( a ) ( 7 ) ** : This section mandates that furnishers of information must not report any debt that is the result of medical services if the debt has been paid or settled.

Please correct and delete trade form all credit bureaus Immediately.
Product: Debt collection

AT  TN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely
manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : American Coradius International    XXXX  #  XXXX
Product: Debt collection

On XXXX/2017 I received a letter stating I owe {$110.00} for a medical debt. On XXXX/2017 I received another letter stating that my debt is delinquent and the amount is now {$110.00}. The original debt is {$59.00} that was cashed on XXXX/17 by the original company. Not only are they sending out letters but the amount of the debt continues to go up. I no longer owe on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an Account on my Consumer Report without my Consent. Experian and the Reporting company known as XXXX XXXX services is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, XXXX has 15 days to provide me with the name ( s ) of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an XXXX Report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.
Product: Debt collection

This account does not belong to me. It was open fraudulently and is damaging to my account. I have previously contacted Transunion regarding the inaccurate, offending collection account on my credit report. This debt was not properly validated because if that was so, it would not be reporting on my credit profile. As such, I am asking that Transunion adhere to the law and remove this information from my credit report immediately. Failure to do so is a direct violation of the FCRA & FDCPA laws.
Product: Mortgage

I applied for a Home Equity Loan with Key Bank starting in the middle or end of XX/XX/2019. I have had many frustrating moments throughout this experience but I will only highlight the primary complaints because they are the mistakes that led to my withdrawal of the application and have negatively impacted my financial options 1. I was misquoted on the rate multiple times ... both over the phone and via email. 
Ultimately Key Bank decided to honor the rate that I was quoted, but honestly it feels like they have intentionally tried to make the process difficult so that I would withdraw my application. 

2. Call after call after call ... .asking for the same items that had already been submitted. Tax and insurance info, employment verification, prior appraisal information ... .just to name a few. I do not mind providing any of these items but to keep asking for them is very frustration ... .there is very poor inter-department communication with Key Bank . 

3. I was misquoted on LTV ... .several times, over a period of several weeks. I was told by more than one individual that " because of your good credit and income we can offer you 90 % LTV. This was a critical piece of information because my appraisal came in lower that expected ... the higher LTV was going to make my request make sense for me financially. I would understand if it was a one time occurence that somebody got it wrong but it was multiple conversations. Fortunately Key Bank records all of their phone calls ... so this should be easy to verify. Again ... .this is a misquote on on their underwriting criteria ... not my mistake. I moved forward on the application because of what they were offering. Ultimately, I was misled by Key Bank employees, my initial application was submitted understanding that their guidelines were 85 % LTV ... however they told me that they could do 90 % ... I did not ask for that. I think they should stand behind their offer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # 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 instructions
Product: Mortgage

It seems like with every correspondence from Bank of America a new angle to XXXX consumers is revealed. In my latest correspondence and this has nothing to do with any of the other complaints so BOA can not state that this has already been addressed ... With this latest correspondence they state I owe them money but at the same time have placed {$700.00} in a 'unapplied funds ' account. You know what this means? It means they have taken and are holding, and using, and profiting from the use of my money. There is no reason in the world why they would or should not apply that money to my account except again, it 's a way to XXXX the consumer. They can state their logic but there is none and actually this is n't first time. A couple times they held money to later issue a check but without any interest to me. In fact when asked, they refused to apply the money to principle. The last time I checked, BOA or any bank does n't let you use their money without paying them interest and usually some fees so why do n't they pay consumers interest or better yet, apply extra funds towards principle on a loan but oh yeah, that means they make pennies less on the loan in the long run and that goes against everything modern day banking stands for!
Product: Debt collection

I have all the recordings national credit system has told me to provide random information pertaining to their claims and when I provided it they then told me something different four times. I receive harassing phone calls abusive taunting profanity used by the callers and threatening me stating they have all of my information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am writing to formally file a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information ( Key Issues ) : Account Number : XXXX High Balance : {$1000.00} Payment Status : Late 60 Days ( incorrect ) Date of Late Payment : XX/XX/XXXX FCRA Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. TransUnion has failed to correct the inaccurate late payment for XX/XX/XXXX despite multiple requests. 
15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment suggests non-compliance with this requirement.

TILA Violations : The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, violating TILA 's fundamental principles.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment entry is a direct violation of this principle.

Desired Resolution : Immediate removal of the late payment notation from my credit report for XX/XX/XXXX. 
Written confirmation of the correction within 30 days of receipt of this letter. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX XXXX Enclosures : Copies of previous dispute letters, supporting documents, and relevant sections of the FCRA and TILA.
Product: Mortgage

OCWEN Loan Servicing , LLC ( " OCWEN '' ) was given written notice of demand for a Beneficiary Statement pursuant to Cal. Civil Code 2943 ( a ) ( 1 ), ( 2 ) ( A ). Such notice was received by the Company by certified mail on or about XXXX XXXX, 2015 and was signed for by Company agent/employee. OCWEN has failed to comply with the beneficiary statement request. 
The full text of my complaints are in the attqached documents.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my right. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 2 : it also state a consumer reporting agency can not furnish a account without my written constructions.
Product: Debt collection

XX/XX/2024 I noticed I had a credit collection from CREDIT COLLECTION SERVICES for {$240.00} Im not aware about
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit File : XX/XX/2021 Confirmation # XXXX THIS IS A WARNING AND MY LAST TIME DISPUTING BEFORE I FILE A LAWSUIT WITH THE ATTACHED EVICENCE IN THIS COMPLAINT WITH MY ATTORNEY. 

Dear Equifax, you recently responded to my dispute letter concerning bankruptcy case number XXXX, in your response you indicated that you verified that it was accurate through a third-party vendor XXXX. Equifax, please explain to me how you can say that you verified that the bankruptcy is accurate through XXXX when I sent you a copy of the letter XXXX sent me showing that they removed the bankruptcy from my XXXX report, because they could not verify the accuracy of it? 

In this CFPB Compliant, I HAVE ALL THE DOCUMENTS THAT XXXX SENT ME UPLOADED IN THIS COMPLIANT FOR YOU TO SEE AND VERIFY ONCE AGAIN. PLEASE SEE THE LETTER THAT XXXX SENT ME THAT SAYS THEY REMOVED THE BANKRUPTCY FROM MY REPORT, PLEASE SEE THE LETTER XXXX SENT ME STATING THAT THEY ALSO SENT YOU ALL ( EQUIFAX ) A DISPUTE LETTER ON MY BEHALF REGARDING THE BANKRUPTCY THAT IS ON MY CREDIT REPORT, BUT YOU ALL ( EQUIFAX ) NEVER RESPONDED TO THEM! ALSO, PLEASE SEE THE LETTER FROM THE COURTS STATING THAT THEY DONT GIVE OUT INFORMATION TO CREDIT BUREAUS OR THIRD PARTIES! 

THERE IS NO WAY POSSIBLE YOU ALL ( EQUIFAX ) COULD HAVE VERIFIED THROUGH XXXX OR THROUGH THE COURTS, SO EITHER THE LETTER YOU SENT ME WAS AN ERROR, OR YOU ARE JUST TELLING A LIE, BUT EITHER WAY YOU ALL ( EQUIFAX ) ARE IN CLEAR VIOLATION OF THE FCRA FOR NOT CONDUCTING A TRUE INVESTIGATION AND TELLING A LIE, UNLESS IT WAS AN ERROR, EITHER WAY YOU MUST DELETE BANKRUPTCY CASE NUMBER XXXX FROM MY CREDIT REPORT IN COMPLIANCE WITH THE FCRA. 15 U.S.C. section 1681 ( e ) : Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The evidence I have attached to this complaint shows that Equifax did not follow reasonable procedure to assure maximum possible accuracy. 

Also, be advised that this is not a credit repair service or a third party, this is me XXXX XXXX, a copy of my driver 's license and social security card is attached to this complaint, please see all attachments!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for a personal unsecured loan with Wells Fargo Bank. I applied at a branch and the application was sent to the central underwriting department. A few days later, additional information was requested and then provided by myself and the banker who had assisted me. The day after that the loan was declined with no counter offers. A few days after that, I received my " adverse action notice '' letter explaining the reason for the decline. The primary reasons for the decline was " too many credit products open '' when this was specified as a " debt consolidation '' with the account numbers and balances provided during the initial application to consolidate and remove several of the " open products. '' " Too many open products '' was exactly WHY this loan was requested. The other reason for the declination was that I " had too much available credit line open '', basically that I had too high of available limits on my current credit cards and line of credit and it was considered too high of a risk. THEN, I received a letter a day or two after THAT stating that my credit card, WITH WELLS FARGO, was given a LIMIT INCREASE. So aside from the illogic of the first declination reason, this one was a self fulfilling decline because I was declined by Wells Fargo for having too much available credit while at the same time Wells Fargo increased my available credit limit. In the long run, the counter intuitive first reason as well as the blatant padding of the second reason caused nothing but damage to my credit for the " hard inquiry ''. I have attempted to reason with the banker and underwriter involved, and was told that there would be no reconsideration, no approval, and no counter offer of any sort. This just seems like an extremely unfair and damaging lending practice, particularly from being declined for a reason that Wells Fargo themselves caused during the loan process.
Product: Debt collection

Thee was a dispute for a balance with an XXXX credit card balance. The company handling it harassed me and called family members harassing them. They were asked to stop and a file was made. I was told that the balance had been cleared and they would no longer contact me. Now Im getting calls constantly from Midland XXXX  regarding this same debt. My ex spouse and others are getting numerous calls. Weve also started getting calls from no caller Id. When we answer to discuss, as soon as I ask them why they are still harassing me they hang up. Im sick of the harassment for a debt I dont  owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

company has failed to delete this inquires that are not mine my XXXX  and XXXX  show 0 inquires
Product: Debt collection

XXXX XXXX XXXX XXXX is trying to collect {$XXXX} from XXXX of my accounts... 

I have been really sick for about a year and lost my income. I am not sure what to do?
Product: Debt collection

On XX/XX/2018 approx XXXX EST I received a call from someone who identified themselves as working for XXXX XXXX XXXX XXXX This person asked if I was my name and I replied in the affirmative. The agent never verified my identity though DOB or last 4 of my Social Security number then proceeded to disclose a debt to me, including the full amount owed and to whom. I believe this violated the FDCPA as only my name was asked and my ID was never verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I used XXXX XXXX to transfered USD {$XXXX} to XXXX. After few days, I was told that this transaction was canceled. I called XXXX and asked for the refund. They requested me to provided my transaction number, phone number, and home address. They said they will refund the full amount to me within 30 days. I waited few months, and I did not received the check. On XX/XX/year>, I submitted a complaint online with the XXXX, but I still haven't receive any response from XXXX. So I am trying to file a new complaint with the CFPB, I hope the cfpb could help me to get my money back.
Product: Bank account or service

On XXXX XXXX of 2015 my savings account at Citibank was hacked into. XXXX unauthorized withdrawals of {$500.00} and {$300.00} were made by unknown individual. The problem was reported to Citibank via the phone the next day. The bank declined liability for this and have not reimbursed me for this loss. According to the research I have done, they are responsible to reimburse me for my loss, but they are denying.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT 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 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card

My issue did not get resolved. I did not make extra payments but extra was being taken from my account.
Product: Debt collection

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Please fix these accounts in my file, I need these accounts fixed for their reports are mistaken and causing me trouble : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised in the Equifax breech. I am placing a 90-day credit alert, but am concerned about potential identity theft.