23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am using   XXXX   and it 's saying my online banking is n't accurately updating my balance information and it is stalling my withdrawals
Product: Credit card or prepaid card

I purchased a {$200.00} gift card from Kohls after the purchase there was a hold placed on my account and Kohls canceled the gift card. Yet they still billed me for it I called them and was informed the gift card was no good at which time i indicated i was not going to pay on a gift card that was no good. And did not want the card replaced i had a previous purchase and paid that off so my only balance was the gift card. they continue to charge me late fees and interest on the gift card. as of now the balance is {$270.00} and is being reported to credit agencies
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XXXX, XXXX : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 5 605B ( 15 U.S.C. 6 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of UNAUTHORIZED INQUIRIES on my consumer report : These accounts have resulted in 13 fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX c/o XXXX XXXX XXXX, XXXX XXXX Pennsylvania [ XXXX ] To Whom It May Concern, This letter is to inform you of negative and outdated reports on my credit report and for you to update my personal information, effective immediately upon receipt of this notice. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Under Title 15 U.S. Code 1681e which speaks about Compliance procedures, specifically for Identity and purposes of credit users, every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

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. 

Please update my name, address and contact info as well to : PERSON - XXXX XXXX XXXX XXXX DATE OF BIRTH - XX/XX/ MAILING ADDRESS XXXX XXXX XXXX, XXXX, Pennsylvania XXXX EMPLOYMENT XXXX XXXX XXXXXXXXXXXX XXXX Update my personal information as I reported it so my Credit Report stays consistent with my information and remains in honor therefore I wont be subject to frivolous inconvenience. Any item older than ( 30 ) Thirty days please remove and update as well. Pursuant to 15 U.S. Code 1681c, Requirements relating to information contained in consumer reports, that item must be deleted from the report as soon as possible. 

Any other information other than whats been provided above is entirely inaccurate and as such represents a very serious error in your reporting. Please delete this misleading and outdated information and supply a corrected credit profile to all creditors who have received a copy within the last three months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under Federal Laws, you have ( 30 ) Thirty days to oblige this notice. 

Thanks for your time.
Product: Mortgage

In the beginning of XX/XX/XXXX I started a VA Loan Assumption with Freedom Mortgage. It took them until XX/XX/XXXX to even read the documents I sent them. It then took them until XX/XX/XXXX to get the documents to the Underwriters. I was told it would take the Underwriters XXXX  days to review the documents and request any additional information, XX/XX/XXXX. It took them until XX/XX/XXXX to get back to me with requests for more information. I returned the request for information same day, XX/XX/XXXX. I was told it would be XXXX days until I hear back from the underwriters. It is now XX/XX/XXXX and I still have no word. Also, these requests could have been ; A. Done the first time I did the application and B. If they wouldn't take so long to do their job. 

Also, when I call, XXXX out of XXXX times I can not reach anyone in the Assumptions department. My realtors have been given attitude by a Processor with the name XXXX XXXX. XX/XX/XXXX my realtor called her to ask about why the Underwriters are taking twice as long as we were told they would take. She was rude and did not have any answers to questions regarding missed timelines, calls being screened, and not replying to my inquires about documents I have sent and any questions I have. 

XXXX also told us we were assigned a new Processor, XXXX XXXX, but would not provide any contact information. When we do finally get a hold of the Assumptions department, they don't have any contact information for XXXX. And when we do ask them to contact him, he is always out of the office or " on break ''.

We were told the process would take XXXX days. We are over XXXX  days now. 

This whole process has been unacceptable, severely inconveniencing me the buyer, and a family of XXXX who are selling a XXXX bedroom townhouse and trying to move into a brand new house for themselves. Along with undue mental stress of this assumption process and the way we have all been treated.
Product: Debt collection

In XXXX of this year, Messerli and Kramer, froze my savings account and on XXXX XXXX, 2015 they had the bank send them a check for {$320.00} and then they released my account. They did this even though they were told that I was on XXXX Assistance in Minnesota. According to Minnesota state law, they were not allowed to garnish my account for at least 6 months after I am off of assistance. I would like my money back and have them charged with whatever crime they have committed against the law.
Product: Money transfer, virtual currency, or money service

Hours of back and forth with PNC Bank. They clear the hold. I go to use the app and the hold is back. Over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  account # XXXX XXXX  XXXX  XXXX furnished by Transunion, XXXX, and XXXX has violated my rights per the fair credit reporting act code : 15 U.S.C 1681 section 602 A -states I have the right to privacy.

15 U.S.C 1681 section 604 A sec.2-also states any consumer reporting agency can not furnish a account without my written consent and instructions. According to the fair credit reporting act anything I feel is inaccurate, misleading, or arroynias being reported on my credit report can be disputed by the consumer to have any inaccurate, misleading, or arroynias deleted/ removed from credit report by the furnisher immediately.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. There are several late payments on the account listed as XXXX  XXXX Account # XXXX this is not accurate and neither consumer agency provided me with the financial records that prove I was indeed late with these payments. They can not provide this information because it would be against my privacy rights for them to have access to my financial information. 

XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments do not match up and the information is reporting differently on each consumer agency. 

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Money transfer, virtual currency, or money service

I have invested some US Dollars into some crypto currency, on an exchange called Coinbase/XXXX. They are both the same company. I can not access my coins in my XXXX wallet. Every time I try to login to my account on the exchange it reads " An Error occurred. Please Contact XXXX support. '' I have contacted support many times, but each time they claim to have submitted this issue to a specialist and they will get back to me supposedly, but I still have no reasonable resolution, after more than 2 weeks. I have both some Bitcoin and XXXX   which I would like to take out of XXXX at this time. However, Coinbase/XXXX will not allow me access to the coins. My coins are being withheld from me without my consent at this point. The issue started when Coinbase pinged my credit card multiple times for a purchase I made. This for some reason caused their system to refund my credit card, the purchase amount by accident. The company had a balance due to them because of this error, and has been paid, by me in full. There is currently no balance due. They promised to return my coins, when the balance gets paid, but they have not held up to this promise. My Coinbase case # is XXXX, and my funds have been frozen for an unreasonable time with no explanation at this point.
Product: Debt collection

The company said they would remove this from my credit reports. This is still on my XXXX  and XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple dates. I 'm unaware of these injuries. I contact TransUnion the week of  XXXX   XXXX ,   XXXX   and spoke with a  US  representative from which I did n't get anything but a hard time and someone who belittled me. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to TransUnion, which was delivered at  XXXX    XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , PA  XXXX  asking them to investigate. On  XXXX   XXXX ,   XXXX  , TransUnion sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. also sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX  which was been delivered and is available at a  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX   in  XXXX , TX  XXXX  and   XXXX   which was was delivered at  XXXX   XXXX  on  XXXX   XXXX ,   XXXX   in  XXXX , GA  XXXX . According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disrupted and MUST BE INVESTIGATED and if you do not investigat e and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't the case. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.
Product: Payday loan, title loan, or personal loan

In a time of desperation, I was able to get a line of credit with Mobiloans in the amount of {$2500.00} in XXXX of 2022. I have up to this date not missed any of my bi-monthly payments that shift to different amounts each time but have been able to pay the balance which reflects {$2800.00} paid with a remaining balance of {$2600.00} remaining. I have placed a complaint with the XXXX  bureau as the customer service line is impossible to get through and generic emails are the only form of emailed communication. I understand that this company has had issues in the past with " XXXX XXXX XXXX '' and claims tribal immunity to state laws. I am requesting that my account reflect a zero balance owed as the interest rate is ridiculous making them a predatory lender taking advantage of those in desperation and causing more debt in the end. The interest rate is ridiculous making them a predatory lender taking advantage of those in desperation and causing more debt in the end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Texas XXXX Amount Due : XXXX Account XXXX Letters sent with Certified mail receipts in which there was no response : XXXX / /XXXX , Transunion , XXXX , asking XXXX to produce documents XXXX / /XXXX, Transunion, XXXX, asking XXXX to produce documents XXXX //XXXX, Transunion, XXXX, asking XXXX to produce documents XXXX /XXXX, Transunion, XXXX , asking XXXX to produce documents E-mails and phone calls made to XXXX from XX/XX/XXXX to XX/XX/XXXX no response. 
E-mail with return receipt to certify that the credit manager read the e-mail, stated that if I don't hear back from you by the end of the business day this debt is considered resolved and null and void. 
I gave XXXX two business days and they still do not respond, by virtue of the correspondence they have accepted the terms of the e-mail.
Product: Debt collection

I have received debt collection notices from a number of agencies for a credit card debt that I do n't owe. I have sent inquiries regarding documentation connected with this debt and have been ignored several times which prompted a new collection agency to contact me regarding this debt despite assurances from some of the agencies that contacted me earlier that I was billed in error ( different middle name ) and they would resolve the matter. The latest collection agency only gave me the option of filing an identity theft complaint form despite my informing them that this is n't the case! I wish to make a formal complaint to all of the associated parties and the original company that issued the debt notice.
Product: Mortgage

We were doing a loan modification with Freedom Mortgage we our first payment in the middle of XXXX for XXXX because our trial payment started in XXXX we made all our payments from XXXX to XXXX. Ever time we made a payment we called and made for sure they got the payment they verified they got the payment ever single payment in XXXX they sent us the paperwork to sign because they approved the loan modification and they even sent a notary to our home so we could sign the paper with there company for modification aproval in XXXX we they got there last payment for the trial period we received a denial letter they did not get there payments but we have proof every we made a payment we called them. Ever time we made a payment we called and made for sure they received and they acknowledged that they received the payments with every phone call.
Product: Checking or savings account

I am writing to file a complaint against Nave federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue align with CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i sent in a personal information dispute letter to correct the name, address, social etc ... My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, requirements of this subchapter, and proper utilization of such information in accuracy, relevancy with the accordance The current personal information being furnished is inaccurate, not relevant outdated information.

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT 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.

The Consumer reports must be accurate, this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 
Once this is done please send me an updated copy of my consumer reports reflecting only the correct information above
Product: Debt collection

Company is trying to collect a debt amount that is much higher than debt actually owed. Attached is the documentation. I was also never served at my current address and my paycheck started to be garnished with no warning or summons issued to me.
Product: Debt or credit management

Been garnished from a card I use 10 years ago with out letting me know at least 2 weeks before they will start taking 25 % of my checksIm a single mom paying everything by my self and at this point Im trying to contact the portfolio lawyer and nothing..Im been in court twice asking for a fair hearing and nothingIm not been able to pay all my bills because of thisIm been sending emails every where for help and no response I call the portfolio # and is customer service that they dont help you at all they are there just for you to pay..Im been strugglingthis is happening with portfolio recovery associates , llc Litigation department XXXX va
Product: Checking or savings account

I did not even know I have been paying for Genius subscription from XX/XX/2022 and every month they are charging {$12.00} as fee. Also not sure when did I subscribe for it. I contacted bank for the issue and they are refunding only this current month. I did not use any of the benefits from their service. Also no transactions in my account in last 14 months.
Product: Mortgage

Lender said that the Mortgage payment was XXXX. After closing, they said my payment was XXXX for the first payment. I could n't find out why so I called and they said they would fix it. They called back and said that PMI was left off of the and that I had to pay it. I thought that the XXXX included the PMI and my closing documents do n't say anything about PMI.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX PM XXXX Balance Owed : {$15000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX MORTGAGE XX/XX/year> XXXX XXXX MOR XX/XX/year> XXXX XXXX XXXX XX/XX/year> XACTUS-CP XX/XX/year> XXXX BANK XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX MORTGAGE XX/XX/year>