23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal.

Yours Truly XXXX, XXXX ( All Rights Reserved )
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit report with Experian the amount I owed XXXX XXXX is {$8100.00} but this amount was charged off and written off. If company wrote off this account off on their taxes than I would no longer owe this money.

Below is copied from my credit report : Account charged off. {$8100.00} written off. {$8100.00} past due as of XXXX 2021.
Product: Debt collection

I spoke to a XXXX from Capital one his ID number is XXXX. I requested a removal letter because I do not recognize this account thats on my credit report or the account balance or the account number which is in violation of the FCRA sec 623 enforce FACTA 312 because they havent done a reasonable investigation and 15 is code 1692g. I been disrupting this a few times and XXXX out of the XXXX XXXX XXXX accounts have been removed
Product: Mortgage

I send my mortgage payment for athe amount of {$3600.00} on XXXX XXXX via XXXX XXXX and send another payment for $ XXXXthught USPS with tracking # XXXXnot XXXX the payments has been credit to my mortgage account.
Product: Debt collection

In XXXX 2017, I contacted Penn Credit Corp via certified US mail requesting verification of a debt appearing on all three of my credit reports. I never received any form of verification of the debt from Penn Credit. In XX/XX/XXXX /XX/XX/XXXX the account was removed from my credit reports. Sometime in the first weeks of XX/XX/XXXX Penn Credit Corp again placed this unverified account on my XXXX and XXXX credit report. I received no form of written notice to notify me that the account would be again reporting on my credit. Penn Credit is not following the rules and laws set forth by the FCRA. This disregard of the law has negatively impacted my credit worthiness.
Product: Checking or savings account

I have had this savings account since before XXXX and it earned high interest at the time but in XXXX even though I was unaware, the interest dropped dramatically down ( in the last month my interest earned was at 0.3 % APY ). I just learned in XXXX that there was a created second savings account to mimic the high interest savings account I used to get prior to XXXX but that I was supposed to transfer my funds to this new product if I wanted to receive the same high interest I used to get. I only just did it now and now earning 3.8 % APY when I was made aware there is a class action lawsuit against Cap One Bank regarding this exact issue. I have $ XXXX in my account right now the difference between the interest earned is {$560.00} a month. Assuming that number was what I had the whole 6 years since the switch $ XXXX in interest was lost because of this marketing trick. I want to be part of the class action lawsuit as I believe I was affected.
Product: Credit reporting or other personal consumer reports

I now collected proof that trans union is deliberately not updating my accounts to hold my credit rating down, further more XXXX has proven they reported to all 3 credit agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 
15 USC 1681 section 602 states I have a right to privacy.

15 USC section 604 A section 2 : A consumer reporting agency can not furnish an account without my written consent 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

Military star/aafes has not provided proof of 5day reinsertion notice or addressed my past 4 disputes just a generic email to send my concerns to XXXX You removed the account and reinserted without giving me notice can you explain that to me not If you used your investigative tools to determine the account is accurate why did you remove it and reinserted it without giving me notice within 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYEE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Collection : DEPTEDXXXX XXXX DEPTEDXXXXT XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX ELEVATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXXT XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX DEPTEDXXXX XXXX Delete this account. 
XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXXT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I borrowed thru ' Discover XXXX loans which is serviced by XXXX XXXX. My issue is, I am unable to obtain an accurate balance on my loan from XXXX XXXX. As a result, I am unable to either payoff my loan OR ensure that monthly installments are accurately calculated. 
ISSUES:1 ) I set up an auto payment to stay current on my interest payment. XXXX XXXX refuses to pass on the 0.25 % APR reduction offered by Discover Financial for setting up Auto Payment. 
2 ) My loan went into repayment XX/XX/XXXX and as mandated, I received the Truth In Lending. However, there were also errors in my TIL and I called to report them. The customer service agents at XXXX XXXX has been passing the buck on to Discover Financial and have been unable to share details on how my payments and if any APR reduction/discounts were applied. 
3 ) The loan servicer 's website is poorly managed and lacks transperancy. There is no information on how payments were applied and the current accurate APR is not displayed either. 
4 ) For example XXXX XXXX restricts customer payment history. They go back only one year. The interest rate shown on their website ( 4.5 % ) does not " exactly '' match with what Discover states on its website ( 4.477 % ). SPREAD OVER 240 PAYMENTS THIS IS A VERY LARGE DISCREPANCY. 
5 ) The repayment commencement date ( when the loan is scheduled to go into repayment ) is also not posted on XXXX XXXX website. As a result customers are not able to calculate the interest due accurately. 
RESOLUTION EXPECTED : I need the CFPB 's help in obtaining an accurate Truth in Lending document. 
Also, given its oversight, I urge CFPB to work with the above lender and servicing agent to ensure that student loan borrowers have better and ready access to ACCURATE and CURRENT information on their loans. Thus, the student borrower community is not put through unnecessary hardships in PROMPTLY AND ACCURATELY PAYING OFF their loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back in forth with PayPal Synchrony for almost XXXX years trying to make payments. Unfortunately I have had no success. XX/XX/XXXX I disputed my account because they were continually charging the account even though they stated they could not discuss the account XX/XX/XXXX I spoke with XXXX a rep with PayPal Synchrony and was told that my account was sold and I had to wait to be contacted. XX/XX/XXXX I was reported for additional late fees XX/XX/XXXX money was drafted from my bank account regarding this matter from XXXX XXXX XXXX XXXX XXXX in which I got that process stopped making a payment for {$500.00} at that time even though I made the payment PayPal reported another {$42.00} late payment in which I was disputed and it was removed. XXXX & XXXX told me that they did not contact me because PayPal attached an order for me to not be contacted. Even though I have been calling and sending certified letters to the creditors. Since I paid my account in full in XXXX PayPal did not update my balance which XXXX disputed in XX/XX/XXXX. Even though I have a letter stating that I have paid everything in full PayPal is still telling me I owe {$220.00} in which no one can explain why I still owe money with a paid in full letter. I writing this letter to get this account deleted off my profile. This was originally charged off XX/XX/XXXX and they have now changed the date to XX/XX/XXXX charge off.
Product: Mortgage

We were scheduled to close on the house we were selling and the house we were buying on XX/XX/2016. After signing all of our papers, we learned that Accurate Mortgage here in XXXX, TN made an error when approving their client for purchase of our house. They were aware of this on Thursday and that closing could not occur, but they tried to add a buyer to the property we were selling without informing us of the change. 

On Friday morning we had the XXXX removed from our house, threw away all of our food ( house we were closing on did n't have a fridge ), packed the uhaul, and removed all contents from the house. However, Accurate Mortgage knew on Thursday closing could not occur on Friday. I then spent all day on Friday ( taking off work ) with my title company waiting for Accurate to close. When they did not, we had to return to our empty house with no possessions and wait 10 days for the new buyer on the loan to be approved. 

Because Accurate did not follow proper closing prep documents, they were unaware they could not fund their clients until the day before closing. Then, they did not inform us and we had everything taken from the house and were forced to wait 10 more days. Our realtor called the Agent and this was his response : " The loan officer for your buyers was XXXX XXXX, pointed the blame towards Accurate Mortgage company procedures as far as not catching the glitch in underwriting sooner, not notifying anyone of a potential issue that could delay closing and of course, sending out the closing package without having the clear-to-close '' Because of their negligence my wife and XXXX year old son were left in an empty house for 10 days sleeping on air mattresses and having to buy everything needed to live for another week. This includes : having utilities transferred back to our name, groceries, clothing, paying to keep the XXXX 10 more days, food, doing laundry at our church, and other stresses and difficulties of living in essentially a vacant house.
Product: Debt collection

The debt appears on my report. I attempted to pay off the account in efforts to get it off my report. When I called the company they have no knowledge of the account. The forwarded me to 3 other agencies who also could not locate the debt. I have attempted to resolve and want this removed.
Product: Credit reporting or other personal consumer reports

I canceled my old phone number and got a new phone number. Before doing this, I logged into XXXX XXXX online banking and paid my bill. However, there was a problem during the transaction and XXXX XXXX could not receive the payment. When I tried to log in to the account again, I could not log in because the old phone number wanted to send a code and I did not realize that my payment was unsuccessful. 

To make up for my mistake, I paid an extra {$4000.00} and paid the next month 's bill early. 
Then I gave it to XXXX but they did not accept it and did not remove the XXXX late payment warning from my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX am filing a complaint against the CRAs for reporting information on my consumer report that was obtain illegally. I have contacted the clerk, XXXX XXXX, at the XXXX Bankruptcy Court to confirm if they shared a discharged bankruptcy on my name with any of the CRAs. The clerk 's office confirmed that they do not share such information with the consumer reporting agencies. I contacted XXXX, they confirmed that this reporting is no longer in their system, I reached out to all three XXXX, XXXX, and Experian to confirm where they are getting information of such bankruptcy that is being reported on my consumer report they all stated that it has been verified. I have no idea where they are confirming this information with, they are reporting information that was obtained legally because I did not consent of such reporting on my consumer reports and the court confirmed that they did not share any information with the CRAs. The CRAs are ruing consumers lives by violating the laws that are in place to be followed, they are intentionally reporting negative information. That is outrageous and something needs to be done about this.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exist. 

I requested that XXXX XXXX send me a 1099-C for the charge-offs. During the negotiation of my debt, I was assured I would receive a " paid and delete '' letter. I fulfilled my obligations as agreed, but the company refused to remove the negative information from my credit report, adversely affecting my dealings with other companies. 

XXXX XXXX XXXX XXXX charged off my account but requested that I continue making payments in the background. I agreed to this arrangement in exchange for them updating my account information monthly and sending me a 1099-C. I later learned from consumer credit counseling that when a charge-off occurs, I am entitled to receive a 1099-C because it does not count as earned income on my part ; rather, it reflects negative information on my credit report. Despite this charge-off, they still indicate that I owe the full amount as if it had never been charged off, which I believe is fraudulent. 

I had an agreement with Pentagon Federal to consolidate my debt into one loan instead of two, and to extend the term of the new loan, provided I made a good-faith payment of {$7000.00}, which I did. However, although they have consolidated the loan, it still shows that I was 30 days late, and two of the loans that were consolidated are still listed as open. I need the 30-day late payment mark removed from my account with Pentagon Federal , as we discussed. Additionally, I would like the credit card account and the loan account to be consolidated and marked as paid in full for the new loan.
Product: Vehicle loan or lease

On XXXX XX/XX/year>, I called XXXX XXXX who was sold my Ally Financial account. They were unable to provided details about the sell of the vehicle, so I called Ally Financial. I first spoke with XXXX who transferred me to XXXX in the XXXX XXXX XXXX. XXXX refused to provide the requested information. I voluntarily surrendered the vehicle in XX/XX/year>. I want to know when it was sold at auction and for how much. XXXX would not provide the requested information.
Product: Payday loan, title loan, or personal loan

i already have a complaint about this company that i submitted 5 days ago and no response ( XXXX ) yet however i forgot to add another complaint to that one ... .another problem besides not being able to view loan or loan documents they also clearly say on the website that we can make payments with credit cards however every month ive been forced to use a debit card because credit cards have automatically declined... ..you cant say you take credit cards but when someone tries to use it it doesn't work but then conveniently the debit card goes through just fine... this has happened through out the life of the loan
Product: Checking or savings account

I set up automatic notifications when my credit card is due and I am not receiving them. Im getting a fee every month and Bank of America will not reverse fee. 
I called them several time but they are not helping me.
Product: Money transfer, virtual currency, or money service

I have a account on coinbase.com with XXXX XXXX  in my wallet. I've bought XXXX XXXX on XX/XX/21 and another XXXX on XX/XX/21. Since then I can not sell, buy, send or receive any of the coins. I have access to the account but always get the message that they have to verify/examine my account and this should take XXXX or 2 days. 
So I contacted the support on XX/XX/21 to ask how long this will take and that. I want to send my coins to another wallet or sell them and need access. 

Here is the answer : " Hi XXXX, Thanks for following up with us. 

We hear your frustration, and we understand this is not the most ideal experience. Were currently receiving a high number of requests, but our team is working diligently to get to your account review. 

In the meantime, please do not submit multiple support requests as this could cause further delays. We will contact you as soon as we have an update. 

Regards, Coinbase Support '' Since then I contacted support every 2-3 days. The last email was yesterday XX/XX/21 and all I get is the same answer an no help. I still can not access my asset. 

So I've contacted the FRC to help me with this case and they gave me the link and asked me to contact the consumerfinance. 

I kindly ask you to help me to get access to my assets. 

Thank you in advance! 
XXXX XXXX XXXX
Product: Checking or savings account

I would like to share with this : the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX. They are actively scamming people of thousands of dollars and I happen to be one of their innocent people. They deposited my {$59000.00} check by forging my name because it was not my signature, and endorsed it with XXXX and XXXX which could be yet another one of their names used to scam people. Previously used firm names are XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX, and XXXX and XXXX the account used at CHASE BANK XXXX which after my monies have been deposited in an account that does not have my name on it will not even speak to me in the Fraud Department BUT CHASE BANK allowed someone to deposit a check that was written out solely to myself into an account that my name was not on. AND the actual Law Firm that wrote the check to me are telling me they can't help me because the check was NOT lost or stolen, that they MAILED it to XXXX and XXXX, and I needed to file a forgery claim/police report. I XXXX XXXX XXXX. Their address is in California. WHO DO YOU FILE THE REPORT WITH????? This process was done over the phone. I hired XXXX XXXX as my XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX of whom I spoke with mostly until she received my check in the mail from the law office here in Texas, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX of whom spoke to me up to XXXX XXXXXX/XX/2023, with an outright lie about sending me my funds. XXXX XXXX XXXX XXXX XXXX. I learned of him from the actual law firm that they are still calling on behalf of other clients as I type and you read. AND on XXXX XXXX XXXXXX/XX/2023, I was BLOCKED from every one of these numbers listed in this post. There's NO HELP for the VICTIM and PLENTY of help offered for the offenders by law offices. The address is a space that is up for leasing. The review on XXXX, XXXX are ALL WARNINGS that I obviously found a little too late however, I will not STOP until these persons have been brought to JUSTICE and paid for their wrongdoings toward innocent people like myself. THE BEST ADVICE I CAN OFFER YOU IS DO NOT SIGN ANY NOTARIZED DOCUMENTS WITH THESE PEOPLE OR THEIR SO-CALLED LAW FIRM PERIOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter for an account on my credit dated for XXXX, reporting inaccurate information and not following the guidelines this account is showing a past due balance on a collection account it my understanding that anything being reported has to be correct you can not owe on a collection account no one has responded to my request about this matter i would like this account removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent account that is being reported and in collections with XXXX XXXX XXXX. This account has been in collection since XX/XX/2017 and I have never received the proper information to report this as fraud and identity theft. I have tried to take care of this matter directly with XXXX, in addition to disputing it with XXXX, Experian and XXXX.