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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Arizona XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to file a formal dispute regarding several violations I have identified on my credit report. I am seeking your assistance in addressing these violations and enforcing my legal rights under applicable consumer protection laws. The violations pertain to the following accounts : XXXX. XXXX XXXX  Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without my consent in violation of the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( F ). 

XXXX. XXXX Account Number : XXXX Violations : - Incorrect high balance - Inaccurate date of last activity - Reporting reaged accounts - Reinsertion without proper notice - Undated late pay - Charge off listed as open - Collection account with a limit Violations : These actions violate several provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and potentially the Fair and Accurate Credit Transactions Act ( FACTA ), including sections 605B, 611, 623, and 807. 

XXXX. Personal Information Error Also Known As : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Violation : Reporting incorrect personal information in violation of the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ). 

XXXX. XXXX XXXX  Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without my consent in violation of the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( F ). 

These violations have had a profound impact on my life. The inaccuracies and unauthorized inquiries have created significant stress and financial uncertainty. For example, my pursuit of housing has been hindered by these inaccuracies, causing me to miss out on housing opportunities that could have greatly improved my living conditions. Additionally, the emotional toll of constantly battling these inaccuracies has taken a toll on my mental well-being, affecting my ability to focus on my responsibilities. 

I kindly request that the aforementioned creditors be required to remove these unverified accounts from my credit report in accordance with the applicable laws. Your intervention is crucial in rectifying this situation and ensuring that my consumer rights are upheld. 

Thank you for your attention to this matter. I look forward to a prompt resolution that restores accuracy and fairness to my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX decided to restrict my account XXXX years ago, and since then, I have been unable to transfer my remaining balance. They continue to renew and add additional limitations every XXXX  days. Whenever I try to contact them, they state that they are unable to provide an explanation as to why the account remains limited.
Product: Money transfer, virtual currency, or money service

Mr XXXX XXXX XXXX Dear ladies and gentlemen I have been receiving cryptocurrency to my coinbase account for 2 years. 
XXXX my account has been blocked. I contacted support XXXX Case # XXXX. I described my problem to him. And now my money has been blocked for a mo

nth. Technical support is not responding to my messages. I had about {$6000.00} on my account. commerce.coinbase.com
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXXXXXX XXXX A PART OF XXXX XXXX : I NEVER APPLIED THROUGH THIS COMPANY, I WOULD LIKE THIS REMOVED IMMEDIATELY. SOMEONE ELSE USED MY SOCIAL SERCURITY NUMBER. 
XXXX Name : XXXX XXXX XXXX Date : XX/XX/2022 Reason : I DIDN'T NOT APPLIED TO THIS COMPANY ON XX/XX/2022, SOMEONE ELSE APPLIED ON THIS DAY. THIS IS NOT ME I WOULD LIKE THIS INQUIRE REMOVED. 

Name : XXXX XXXX XXXX XXXXXXXX Reason : I WOULD LIKE THIS TO BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX discover financial ser got a copy of my XXXX credit report i did not try to apply for credit with you guys please remove i have rights
Product: Debt collection

It is a robot calling. A female voice speaking says, this is an attempt to collect on a business matter.
Product: Credit reporting or other personal consumer reports

On XXXX National Credit Adjust Reported a Collection/Charge off onto my credit report with a balance of {$400.00}. I requested that the company provide the original agreement but I have not received it.
Product: Money transfer, virtual currency, or money service

My account was hacked and I was given false information to wire money to a client on XX/XX/XXXX. I wired {$22000.00} from JP Morgan Chase to XXXXXXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX. I filed a report with XXXX  research team @ XXXX XXXX XXXX - XXXX. I was told that the XXXXXXXX XXXX issued a request for a hold harmless letter, but Chase could not confirm whether XXXX XXXX  indeed received this letter. I was then connect to my banking manager XXXX XXXX who told me that they would research it. I was then passed to his manager XXXX ( refused to give last name ) who also informed me that there was nothing they could do and were subject to their systems and could not directly call XXXX XXXX and would have to wait for a response. I have requested information more than XXXX times and am always told that the banks will not speak to each other and have to wait until a response. I am now being told that if XXXXXXXX XXXX  doesn't respond in 180 days, Chase has the right to close the case if no response is received. It appears that both banks are content with no response until such time that they can close the case.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an outdated account from my XXXX credit report. The account in question is : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX As of todays date, XX/XX/XXXX, this account has been on my credit report for more than seven years. According to the Fair Credit Reporting Act ( FCRA ), specifically under Section 605 ( a ) ( 4 ), credit reporting agencies are required to remove accounts that are over seven years old from the date of the initial delinquency that led to the account being placed on the report. This account should have been removed by XX/XX/XXXX. 

I previously reported this inaccuracy to XXXX, and they promptly recognized the issue and removed the account from my credit report. Meaning youre now reporting an inaccuracy, so I am now requesting that XXXX and Equifax do the same to ensure compliance with federal regulations and to avoid further negative impact on my credit score and financial well-being. 

This is my second attempt to resolve this matter with XXXX. If this issue is not addressed promptly, I will have no choice but to take legal action to protect my rights under the FCRA. This situation is significantly affecting my credit score and, consequently, my livelihood. 

I expect your immediate attention to this matter and the prompt removal of the aforementioned account from my credit report. Please confirm receipt of this request and the actions taken to correct this error. 

Ive attached where Equifax and XXXX are still reporting this OUTDATED account and XXXX has removed it!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-19 I attempted to retrieve my credit report from Equifax. Although I provided the necessary information, the system on the Equifax side sent back a message saying something regarding not being able to process online. On XXXX-19 I tried again and received the same message although all of my information was correct. After trying at least 3 more times and receiving the same message, I called Equifax and spoke with a representative who was first of all hard to understand and was absolutely no help. I asked for a supervisor and after a while a lady who was also difficult to understand came to the phone by the name of XXXX. I told her the situation and once again provided my information. My information was correct, however, the supervisor told me as well as the online system showing ... could not process online. 
I told her that I received my credit reports from both XXXX and XXXX with the exact same information. All the lady told me was that I needed to request by mail and provide certain identifications before they could proceed. I am VERY angry at Equifax and found them to be extremely difficult and uncaring. Every time I mentioned the situation she would only ask me the same questions over and over again and exactly as she did in previous statements to me. 
I eventually hung up the phone as this lady/company seemed not to care about consumers. 
I need my credit report immediately as I believe that information on that credit report from Equifax is the reason I was turned down for a loan. There is nothing showing negatively on XXXX or XXXX. However, I believe the problem to be with Equifax although I do not believe that there should be anything negative on that report as there were no negatives on the other two. 
This situation is causing problems for me as I need a loan to proceed with my living situations. They claim that my information does not match the information they have on file ... however, I know my own personal information and what I provided is correct. The misinformation has to be on the Equifax side.
Product: Mortgage

Wyndham Capital Mortgage presented me a refinance at 4.875 % interest with 0.887 % of Loan Amount Discount points with a 60 day lock on XX/XX/XXXX. 
The closing took place on XX/XX/XXXX and they charged me 1.012 % of Loan Amount Discount point plus a Borrower Paid Lock Ext of {$220.00}. 
I was totally unaware of this increase on discount point and this Lock Ext until two days prior to the closing ; therefore, I did n't have time to fight this. 
I decided to close anyways and file a complaint. I let them know that I was going to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several corrections to my credit report regarding two public records that exist. The three credit bureaus have failed to verify the information with  updated information is verified through their own investigation ; however, they appear to be depending upon unsubstantiated or out dated records. 

I am attaching information that asserts that XXXX  and Trans-union are not using updated and verifiable sources to maintain the posting of their public record file on my case. ( See attached letters ) These companies appear to refer to XXXX XXXX as their source for the most XX/XX/2018 that an Opt Out request was approved on my file ; thereby, no longer providing records to any parties.
Product: Payday loan, title loan, or personal loan

I made a title loan with TitleMax, XXXX XXXX XXXX XXXX, XXXX, TX XXXX phone number XXXX on XX/XX/XXXX. Amount of loan was for a total of XXXX plus interest of XXXX for a total of XXXX, number of payments due was XXXX, with interest of XXXX XXXX Annual Percentage Rate. I made several payments to them before I got laid off from my job. However, all the payments I made were applied to interest only, nothing went to priincipal. I inquired why it was all paiid to interest and nothing to the principal and they told me that is their practice to appy payments to interest only and if I wanted to pay off the loan, I had to pay it off with the total amount of loan XXXX all at once. Well I could not do that and ended up not making payments after I lost my job. I have not been able to find work for months and borrowed from them to pay my bills - rent, electric, water, auto insurance, cell phone - and that is why loan got so high. TitleMax is trying to repossess my truck, a XXXX XXXX XXXX but I can't let them do that as I need it to look for work and it is not right to apply all payments to interest only and principal never goes down. II understand there is a case against TitleMax for unlawfull practices. Does my situation qualify under this case? And what are my options to deal with them. I can send you a copy of the contract if you need it.
Product: Checking or savings account

I received a check from business and deposited it into my Wells Fargo account on Monday. I was told by a manager at the branch that there would be a hold placed on the check ( normally 7 days ) but  that she would fully release the check on Wednesday, in only two days. 

At first, everything happened as promised and the check was released. Later on, after I had made a significant withdrawal, I was alarmed to find that my account was XXXX overdrawn with 15 pending withdrawals plus possible fees. I was told that this is because the check was had not cleared. I was warned if I didnt settle the balance, that my account would be closed as well. With this information, I proceeded to contact the mediator residing over the settlement and the business who issued the check. This resulted in the company offering to ach funds into my bank account, after they figure out why the payment didnt post. The issue was that the payment DID post to their account and the check cleared the same day that I deposited it. They even sent me an emailed copy of the check with my signature and a bank record. 

So I immediately contacted Wells Fargo who told me a number of things. 1. Business must not have had funds when they tried to collect but that they must have called other bank and resubmitted the check. 2. Business bank states that the check looked suspect and that they were concerned about fraud. 3. That because I have had overdrafts in my account, they had to put an additional 7 day hold on my account, or until the funds are deposited in my account. 4. They couldnt accept an online bank record showing the xxxx debited/check image so I should contact business bank for a copy of endorsed check on bank letterhead? 
None of this made any sense, especially because everyone has proof that they check cleared. 
Later, I was told by the manager at the local branch that she would call xxxx bank tomorrow to try and verbally verify that the check cleared and then she would release the funds ... .after she saw the copy of the cleared check with my signature. 
So I contacted customers service and spent 4 hours in total being put on hold, sometime spoken to condescendingly, lied to and patronized by various telephone bankers. 

The end result-Ultimately the money is still in limbo and I will continue to be overdrawn, until they fix this. I have a dd coming in a day or two that will be completely eaten up due to this.. if it is not immediately fixed. I have been humiliated due to their misinformation, and in addition to an immediate release of the check funds, I have asked for an apology letter/bank error letter that I can send to both the EEOC and the settlement company.
Product: Student loan

Amount balance : {$1000.00} Action taken : Garnishment and Rehabilitation Program.

I would like to lodge a complaint for breach of rehabilitation agreement. 

In XX/XX/2019, I filed a BK. On XX/XX/2019, I received an e mail from ECMC requesting to contact ECMC. On XX/XX/2019, the BK Chapter XXXX was granted by the court. On XX/XX/2019, Complainant responded denying that he received. Default notice and asking for loan forgiveness. On XX/XX/2019, ECMC send Complainant requesting to contact ECMC. On XX/XX/2019, Complainant received another email from ECMC requesting to contact ECMC. Because of Complainant 's desire for rehabilitation, Complainant paid ECMC the amount of {$50.00}. Despite payment made by Complainant, Complainant surprisingly received an e mail from ECMC on XX/XX/2019. Again, on XX/XX/2019, Complainant again received an e mail from ECMC. On XX/XX/2019, Complainant contacted ECMC. On XXXX, ECMC representative , XXXX XXXX and Complainant entered into a Rehabilitation in which ECMC agreed that Complainant will pay {$5.00} a month for 10 months. This will get off Complainant out of default. Complainant agreed that the {$5.00} will automatically deducted from his debit card each month. On XX/XX/2019, Complainant received an e mail from ECMC confirming the agreement and the payment of {$5.00}. On XX/XX/2019, Complainant received a Notice of Garnishment from the Treasury Department dated XX/XX/2019. On XX/XX/2019, Complainant received two letters from ECMC confirming the rehabilitation agreement and where the voluntary payment of {$5.00} should be made. Prior to the letter dated XX/XX/2019 a copy of which was received by Complainant on XX/XX/2019, Complainant did not receive or had not received a Notice of Garnishment from the Treasury Department. On XX/XX/2019, Complainant called ECMC and Complain about the garnishment and that the garnishment is improper because ECMC already agreed for the Rehabilitation program. The woman promised to call me after she had consulted with the Manager but she did not. On XXXX 2019, called again ECMC and talked to the Manager XXXX and complained about the garnishment. The Manager told me that he can not stop the garnishment. I explained to him that this not fair because I would be paying ECMC twice each month, from the garnishment and the Rehabilitation program. I told him that I can not afford to pay the loan outright or make a big payment each because I am already retired and my SSS pension of {$1100.00} a month is not even enough to meet my financial obligation and daily needs. But the Manager refused to budge in to stop the garnishment. Hence. this complaint. 

Sincerely, Mr. XXXX XXXX
Product: Debt collection

BCS got my check XXXX/XXXX/14 and cashed it XXXX/XXXX/14. They continue to say they did not get this account until XXXX/XXXX/14 which is completely untrue! how would I have their info in XXXX to mail them the check! They are Fraudulently saying that the bill was not paid. I have the cancelled check! This is FRAUD! They are XXXX billing me and threatening my credit!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a new credit card with XX/XX/XXXX for XXXX and it was only added to XXXX. I spoke to XXXX and Experian and they stated the Merchant has to add it. However, XXXX did report to all three bureaus that they updated this information on there part. 
I really need this information to show up because it will help with my utilization that was the purpose of the card. Can you please assist me in this manner with the situation.
Product: Debt collection

The hippa form said that I allow them to discuss my medical record with whomever i add on the form, I did not add bull city financial. I asked for verification of a medical debt and they sent me the procedures of what was done along with the dates, amounts, etc. They were only suppose to have the dates and the amount owed. So when i called them they claimed they have a partnership with  XXXX   XXXX  thats the reason they have access to my files. The bills were suppose to be filed with  XXXX  and   XXXX   XXXX   within   XXXX   pays. someone dropped the ball and did not file the bills with the agencies which has caused me to be affective by a negative credit history.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 to be removed/updated.

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.

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!
Product: Credit card or prepaid card

On XX/XX/2018 I used a service the XXXX money network offers, which is the ability to write a check to withdraw money from my account without my card. I called the company 's number to receive an issuer number and transaction number and wrote the check for {$400.00}. When a transaction is created, the amount of the check is deducted from the account and moved to the check. When I attempted to cash the check, the cashier called the company to get approval for the transaction, as policy provides. Upon calling, the automated message said the check was unable to be verified, I called the company and while I was on the phone with the representative the cashier tried to verify the check again, but it was again denied. The representative then informed me they would not be able to cash the check. I was directed to fax a copy of the voided check to their office, which I did the same day. Since that day I've been given false information and different information with each call. The entire issue was due to fault on their end yet they have not returned the funds to my account nor given me an accurate time for the returned funds. I have been told something different each time I've called, which has been daily for the past week. Even upon speaking with supervisor s on each call I've still not received accurate information. They told me there is no corporate office number to call, and during my call today I was hung up on.
Product: Checking or savings account

TD bank is a constant problem. They are terrible to their consumers. I've complained about this bank plenty of times. I just gained access to my XXXX  XXXX. I added my account to TD Bank to pay a overdrawn account. My account was overdrawn about {$XXXX}. These people treated me like I was a criminal. My account was shut off, stating I needed to receive a access code to gain access to my account. I called from my son 's phone to let them know I had no access to my phone, because I can't pay my phone bill. These people allowed me to tell them all the verifying details, which XXXX okay with that, some of the things was ridiculous. " Do I know the last purchase I made the day the exact amount ''. How can I know that if I dont have access to my account? I went as far as going out to my car to find a receipt. That wasn't recent enough. All these hurdles just to still not have access to my phone and account. I asked if they could XXXX me a XXXX time over draft of {$XXXX}. They have my payroll direct deposit showing in their system. Knowing I get paid every other week faithfully the entire time I had my account. These people was stating I didn't pay the overdraft when I clearly have proof of the payment ; which I will provide. It showed as soon as I paid it. It have been times when TD will overdraw my account for hundreds of dollars due to them holding debit payments for over a week. Then pushing them all though on Tuesday evening. XXXX over banking in the public. Now that I'm on the private side I will be closing my account and requesting the secret bonds they place on consumer 's accounts. It's time I take my business elsewhere.