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

On date XX/XX/2021 I opened an account on Coinlist and deposited XXXX USDC into my account. After that date, I was never able to log into my account again and therefore to use my funds. 
I raised this issue to the company on a few days later by raising a ticket ( XXXX XXXX ) on their website. When you raise a ticket, they promise to get back to you within 7-10 days but they never responded. I also sent mails and messages and they took no action and did not respond to any of them.
Product: Credit card

Hello, I filed a dispute about services I did not receive from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid through XXXX with my Credit Card. I submitted many text messages including texting her saying the dates she did not show up. I paid her for XXXX XXXX XXXX. She did not show up for 6 of the massages. Navy Federal Credit Union ( NFCU ) told me on Saturday, I could call Monday XX/XX/XXXX to appeal the decision. That representative told me they would contact the Investigator on my behalf. I appeal, and another investigator will look into my appeal. When i called on XX/XX/XXXX, I spoke with two different representatives who gave me conflicting information. I had a XXXX representative on the 3 way telling them this was a business transaction not a person to person. I also spoke with a XXXX Supervisor who stated I would have to appeal with NFCU. I was told by one representative on the XXXX the case was closed. I called when i got off work and spoke with a XXXX. She suggested I call today XX/XX/XXXX, and that she was going to put notes in the system to have member services reach out to the Investigator department as noone did that on the XXXX.

Today, I contacted NFCU, it was told to me someone put a note in the system that I requested the case to be closed, but it was already closed. That was a lie. I never asked for the case to be closed. I called to appeal. Then I was told because XXXX XXXX responded with a no refund policy that I signed back in XXXX or XXXX ( before services were supposed to be performed as my XXXX wasn't scheduled until XX/XX/XXXX ). She claimed she books up fast, and that's why I paid and scheduled, and she told NFCU I received the services. 

NFCU refuse to follow their own guidelines. I submitted text messages where I messaged her on numerous occassions ( for proof ) she did not show up. I also informed NFCU my husband was home on vacation on the 6 dates she didn't show up. NFCU did not have XXXX XXXX prove she showed up, and refused to look at my documentation that she didn't show up. NFCU refuse to look at the additional documentation that I submitted as well.
Product: Credit reporting or other personal consumer reports

Transunion is reporting the same exact account on my Transunion credit report twice, as in double counting it. 
This account is under XXXX XXXX which was opened on XX/XX/2018 and is also in Collections and reported under the collections company XXXX XXXX. see attached file. 

Double counting single accounts on one credit report is illegal under the Fair Credit Reporting Act.
Product: Mortgage

I make biweekly auto payments on my mortgage loan in the amount {$1200.00} each for a total of {$2400.00} a month. I call the company and they enter 6 auto payments at a time for me. My current required payments amount is {$1800.00}. The payment breakdown should be principle- XXXX, interest : XXXX, Tax and insurance {$430.00}, extra principal reduction XXXX, extra XXXX to excrow account. I always pay a month before for the payments are due, but my mortgage company delays posting the my auto payments in the correct account, becuase the put everything in a escrow account. I always to call the company to verify if the payments are posted to the correct account. They send me laye payment notices and try to charge me extra on interest and late fees. The extra {$120.00} principle reduction payment they reverse out the payment every month, and I don't know were the money goes. Then recently they sent me a escrow check for {$800.00}. When I try to stop the payment or send the money back, they refuse it. 
It's like I am getting penalty for doing the right thing and trying to pay my mortgage ahead. Not to mention the extra interest payments they are receiving for denial me access to earily payments. I called and talk to company multiple times ( 12 times ), I get the run around, and this whole experience is scary, because they are always saying my payments is late. 
I requested hard copies of my payments information and they refused. 
Can some please help me!!!
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request to Remove Unauthorized Hard Inquiry from My Credit Report I am writing to formally request the removal of an unauthorized hard inquiry from my credit report. Upon reviewing my credit report from XXXX XXXX XXXX XXXX XXXX I noticed a hard inquiry that I did not authorize. The details of the inquiry are as follows : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or give permission for this hard inquiry. Therefore, I believe this inquiry was made in error or as a result of potential identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of this hard inquiry from my credit report to prevent any negative impact on my credit score. Please find attached copies of the following documents to support my claim : 1. A copy of my credit report highlighting the unauthorized hard inquiry.

2. A copy of my government-issued ID ( driver 's license/passport ) for verification purposes.

3. A copy of a recent utility bill to confirm my current address. 

I kindly ask that you investigate this matter promptly and remove the unauthorized hard inquiry from my credit report. Please confirm in writing once the correction has been made. If you require any additional information, please do not hesitate to contact me at [ XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I received a letter from Credit Corp Solutions demanding the payment of {$1700.00} for an unknown account # XXXX that they have not shown legal proof that this account belongs me, legal proof of contract to collect on this account, or any computation records including, but not limited to the original contract. I called their office and sent a letter requesting these documents on the same date. This company has failed to respond with any information. 

I want their demands and communications to cease for illegitimately trying to collect on this account which is harassment.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the accuracy of late payment entries reported by XXXX XXXX XXXX on my credit report, as permitted under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the reporting of late payments for a duration of 21 months. 

The details of the account in question are as follows : - **Creditor Name** XXXX XXXX XXXX XXXX  XXXX **Account Number** : XXXX - **Disputed Late Payment Dates** : XX/XX/XXXX - XX/XX/XXXX I believe these late payment entries are inaccurate due to timely payments made, payment arrangements. Under the FCRA, consumers have the right to dispute information that is inaccurate or incomplete, and I am exercising that right. 

I have attached supporting documentation that substantiates my claim, including relevant documents, such as payment records, correspondence with XXXX XXXX XXXX. 

I kindly request that you conduct a thorough investigation into this matter and remove the inaccurate late payment entries from my credit report. Additionally, I would appreciate receiving a copy of my updated credit report once the investigation is complete. 

To assist in processing my request, my personal details are as follows : - Full Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX - Current Address XXXX XXXX XXXX XXXX XXXX 

If you require any additional information to facilitate this investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. I look forward to your response regarding the investigation of my dispute. 

Sincerely, XXXX
Product: Vehicle loan or lease

They reposed my vehicle after I received an auto loan and they sold the vehicle and still have an balance of XXXX plus reporting on my credit report demanding payments
Product: Mortgage

Company : Ditech Financial LLC In XXXX 2017, I made a payment of {$1300.00} electronically. See the details below. 1. Regular Mortgage payment is {$390.00}. 2. I included an extra principle payment of {$1000.00} 3. I had no pending late fees, escrow fees or other applicable fees outstanding. When I received my statement for the month of XXXX, I notice that the principle amount of {$1000.00} had been allocated to mortgage, interest, and escrow. I contacted Ditech via their website where I make payments www.ditech.com. I complained about all of the {$1000.00} not being applied toward my principle. They replied they would research the issue. In the mean time, I sent another {$500.00} via check by mail. When I check again in XX/XX/XXXX, I noticed that the payment was all applied to my principle. Then in XX/XX/XXXX, I noticed that the principal balance changed again and seemed to be missing about {$230.00} from the principal balance. I sent another complaint via their website in XXXX 2017. To date, I have not gotten a response about why my extra payments have not been applied appropriately. I would like Ditech to be investigated for the correct balance of my mortgage 's principal balance. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, this is my third attempt to correct my credit report due to fraudulent information reporting. Equifax and XXXX  have violated my rights under the FCRA and have refused to properly investigate my dispute.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX  XXXX XX/XX/XXXX Charge Off/Collection : XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : XXXX Name : XXXX XXXX XXXX
Product: Mortgage

In XXXX, we were approached by a company led by XXXX XXXX out of XXXX GA, advertising 1 % mortgage loans. We had just purchased our property in XXXX using both incomes. At the time of the claim to provide a 1 % mortgage, my wife was unemployed so the reduction in the interest rate was attractive to me. The company refinanced the loan with my income giving us two mortgages. The payments were made but we got behind on our other debts trying to keep up with the mortgage payments. In XXXX, we filed for bankruptcy under chapter XXXX. The bankruptcy filed a motion to avoid the second XXXX. The bankruptcy was dismissed in XXXX and we did not hear anything from Bank XXXX XXXX on the XXXX XXXX. We were able to modify our XXXX loan which was sold to XXXX and was able to get back on track. On XX/XX/XXXX, we received a notice of intent to foreclose from XXXX Mortgage XXXX. We have not received or hear from XXXX Mortgage since the loan was closed in XXXX. The loan was serviced by Bank XXXX XXXX which we were under the impression that it was sold to XXXX We have not received anything from XXXX since filling the bankruptcy. I am filing this complaint because I believe that the loan was made under fraudulent pretenses, we were taken advantage of by placing us into a loan that should not have been approved based on the one income. Additionally, with the motion to avoid the XXXX, there was no communication that this had changed.
Product: Debt collection

On XXXX/XXXX/15 I requested validation from XXXX XXXX. As of XXXX/XXXX/15 I have not received any proof of this debt from them.
Product: Debt collection

Company illegally sent bogus credit card collection lawsuit to XXXX XXXX XXXX. 

I personally informed XXXX XXXX XXXX that I do not reside in XXXX XXXX or the State of Illinois Keynote and XXXX are pursuing a lawsuit against me in XXXX XXXX with the intent of collecting monies on a credit card that was used fraudulently throughout the US. 

XXXX XXXX  firm has been informed that I was never served in XXXX XXXX because I do no reside or work there. I am a totally and permanently XXXX veteran and I do not work and I explained this to XXXX XXXX XXXX. They and Key note are only interested in preying on XXXX and XXXX people in XXXX XXXX. Any and all forms of income that I receive is from the VA and it is federally protected income. 
Benefits covered by this rule : Social Security Supplemental Security Income Veterans Federal Railroad retirement, unemployment and sickness Civil Service Retirement System Federal Employee Retirement System. 

XXXX XXXX XXXX XXXX has been warned in the past month by the XXXX XXXX XXXX and the Illinois Attorney General about these deceptive business practices. If you would take a look at the complaint from XXXX XX/XX/2021 you will see that XXXX and Keynote both agreed to remove the bogus item and later they intentionally reinserted the item .The FTC has a copy of the report and they have informed me to file another complaint with you and the Illinois Attorney General Please be advised of the National Credit Bureau Case Number : XXXX Federal Trade Commission investigation number : Report Number : XXXX Be advised that this case is pending federal litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$800.00} XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$410.00}
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears to be consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

CCS COLLECTIONS Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$120.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Vehicle loan or lease

Basically they claimed that they sent me a title at the end of my lease ( XX/XX/XXXX ) It never arrived, and I assumed that I lost it. 

I requested a duplicate title which involved sending in a written letter to hyundai and a check for hyundai that they would use to pay NJ XXXX. ( XX/XX/XXXX ) They sent me a title, but when I tried to transfer it it turned out that hyundai motor finance sent me the original title WHICH THEY CLAIMED THEY SENT MOTHS AGO which was now WORTHLESS because they requested a new title which they NEVER sent me. 

Meanwhile the car was totalled and progressive never can't pay me until hyundai gets their act together.
Product: Payday loan, title loan, or personal loan

Where we're any of my payments applied to my balance? I only borrowed {$930.00} dollars total with a 15 % dispersion fee making my highest balance should have been. {$1000.00} with ( add you payments up here. ) in payments made and and still had a balance of {$1100.00} until I paid it off today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2019, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Received a text message without a notification that the message was an attempt to collect a debt from XXXX, which is illegal. Supposedly this is eos cca.
Product: Checking or savings account

Ongoing issues with Bluebird American Express where everytime you have a refund come back from a retailor the transaction is held for several days under merchant credit review. I had a refund from a merchant who physically swipped my card to issue refund around XXXX. On XXXX it was placed on merchant credit review. Today on XXXX i call for an explanation and i get told its for security reasons they hold the refund and that they review the transaction. Magically it will be released tomorrow XXXX. XXXX business days later.
Product: Money transfer, virtual currency, or money service

I had made a purchase on XXXX. I need to file a dispute to this transaction because the seller posted a miss leading description of the item. Ive been trying to contact PayPal all weekend and still have not spoken to a single person yet. Theyre managing and controlling my money yet they make themselves inaccessible? How could you allow this to happen? PayPal is handling billions of dollars of other peoples money but they wont provide customer service. I contacted PayPal via telephone yesterday several times and each time it disconnected me and told me that a telephone agent was not available and to go through chat. I tried to chat feature. I sent my message they responded back many hours later. Obviously Im not gon na sit glued to my computer all day because PayPal wants to take advantage of its customers and not provide telephone support. I saw their response an hour after they made their comment and replied back. About 18 hours later I get my next response from PayPal. How the XXXX are they allowed to control my money without being regulated and they set the rules? How are they not forced by laws and regulations to provide telephone or face-to-face customer service even during COVID-19? Ill tell you exactly what PayPal is thinking The more difficult they make it for us to contact them when we have a problem means PayPal has to release if you were funds back to customers and doesnt get to keep as much for their own wallets. How can you allow this to happen?
Product: Debt collection

My wife and son received a call from a  XXXX   XXXX   XXXX  claiming that  XXXX   county law offi  cer  where trying to serve me with court papers. My wife called the company back and was told that his name was  XXXX   XXXX , who called our son and told him it 's a civil/criminal lawsuit. He started to tell my wife I owed a debt to Home Depot sinc e 2006 an d that I had a court case in a week and that is f I did n't pay the debt of  XXXX  I would also have to pay for court fee and attorney fees. He stated he has sent legal service notice to our address 2 times and no one was home. He also left a message on my wife 's cell phone stating we had been served my written notice over the voicemail. He asked my wife that he could settle the debt if she paid him right now  XXXX . My wife proceeded to tell him that she would make no such payment and research the matter. They also claim to get my sons cell number because I used him as a reference  in 2006. My so n wa s in high schoo l and had no cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX ( CONSUMER ) did not consent to, authorize nor benefit from the following fraudulent accounts. Block and remove them. This Identity theft report was not done in error or a material misrepresentation. If Equifax believes I have received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods and services as a result of these alleged transactions.
Product: Debt collection

I had a debt of XXXX. I paid the hospital directly ( late ) on XX/XX/XXXX. On XX/XX/XXXX my garnishment started. To date I have paid in a total of XXXX. I received a refund check for XXXX for over payment. I called and talked to a customer service rep and a supervisor. They are telling me charges have been added on since the garnishment took place. I didn't realize they could keep adding on to the bill. I would love to find out who to request an audit of this company. I have looked up reviews and they are not good.