23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Sunset Finance, XXXX XXXX XXXX XXXX # XXXX, XXXX, SC XXXX mailed a live check in the amount of {$1000.00}. 
The " Pay To ... '' is XXXX XXXX, an ill and elderly family member. He is in his late XXXX. 

It is drawn on XXXX XXXX XXXX with check # XXXX. Dated XX/XX/2019. Expiration Date is XX/XX/2019. 

Mr. XXXX ( XXXX ) could owe this money if some low life picked it from the trash or street side. At minimum, these mail outs expose personal information, dangerous in the hands of the wrong people. 

The finance charge is {$280.00}. It is a 48.82 % interest rate. Given Sunset checked his credit reports, his age and responsible credit history is obvious. It is also significant he has only done business with mainstream financial institutions. 

Mr. XXXX did not initiate any contact or transaction. 

Sunset has targeted our area and it needs to be reigned in. 

Zip code XXXX has some older, still nice neighborhoods and many low-income XXXX and XXXX young groups. We also have a young, vulnerable college age group within this zip. 

I called CFPB today to opt out as a preventive measure. 

I am hoping CFPB can help reign in such irresponsible targeting of our neighborhoods in the XXXX zip code.
Product: Credit reporting or other personal consumer reports

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

No response was being sent to my mail despite of several dispute letters I sent to the credit bureaus. Please see list of accounts I disputed to them : XXXX XXXX | US DEPT ED Account # : XXXX | XXXX  Account XXXX : XXXX | XXXX  Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX  Account # : XXXX | XXXX  Account # : XXXX & XXXX
Product: Checking or savings account

XX/XX/2022 tell me why with online banks in this case XXXX you can not speak with a person on the phone you have to wait in a chat line for 30 min trying to get in touch with a person how is this ok when you are dealing with a person money. Money they work hard for and you can not even speak to a person on a phone. How is it that the government is allowing places like XXXX to even be in business. Then I go through the chat system after waiting and XXXX ends her chat with me and does nothing at all to even help. What happens if money is taken from a persons account and they need help they can't get it because you are unable to even speak with a person on the phone and have to wait for 53 people ahead of you to even get help then they just leave the chat when they feel like it. I am going to tell you customer service is the worst and when it comes to a bank this should not be aloud to happen.
Product: Money transfer, virtual currency, or money service

Coinbase is a fraud. They state on their website withdrawal timeline for wires as 1 business day. Upon making the withdrawal, I have received the email stating that the wire might be delayed 3 business days. 
I made the withdrawal request on XXXX XXXX, 2017 and still have not received my funds. Their customer service is a disaster! The wait to have my call answered was over 1.5 hours and then the representative was not able to provide me with any answers.

The only thing I have found out is that they have delays up to 3 business days. 
Well, it has been 6 days and the funds are still not available. This brings the question of Coinbase 's  liquidity situation and how they handle this type of problems. I 'm only trying to withdraw {$1500.00}. Imagine trying to withdraw 1mln .... 
If my funds are not delivered shortly, I will be taking legal action. 
I 'm most definitely closing my account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from ONEMAIN XXXX account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THIS WAS FRAUD I SUBMITTED A REPORT ON THAT CREDIT CARD ALMOST TWO YEARS AGO AND THEY MUST OF SENT IT TO A DEBT COLLECTOR I HAVE HAD SEVERAL NEW NUMBER SINCE THEN AND NOW THEY HAVE THIS DEBT COLLECTORS CALLING MY NEW NUMBER. I WAS A VICTIM OF IDENTIFY THEFT SEVERAL TIMES AND TOLD THEM THIS INFORMATION SEVERAL TIMES. remove this from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : ( ), which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX & I am including it again. 
XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX and Account reported on credit report does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX, I have spoken to XXXX.Transunion and XXXX on multiple occasions to delete previous addresses and also known names removed from off my consumer report, But there has been NO removals, If you all cant help me I will get my Lawyer Involved. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Checking or savings account

XXXX at Frost Bank in XXXX, TX called me on XX/XX/XXXX to inform me that because I filed recent complaints with CFPB about fraudulent charges being made against my account bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and seeking a refund for rent paid to XXXX XXXX in XXXX and in XXXX, TX for negligence, that they decided they no longer want to maintain the relationship with me and would close my checking account in 30 days. The result of this would generate a report to XXXX that the closure was due to my failure to properly maintain my account, when in reality I am a fraud victim who filed consumer protection complaints with a federal agency. The fact that I filed these complaints with CFPB provides me with additional protection from retaliatory closure of my account by Frost and their intent to use a fraudulent reason for closure citing my failure to properly maintain the account, when it is in fact, their failure to properly monitor my account for suspicious activity or excessive charges. They have a duty of care and must exercise due diligence in monitoring all accounts for suspicious activity or excessive charges. They never once contacted me during the period of time when the excessive charges from XXXX XXXX began to appear in XX/XX/XXXX. It is clear that Frost Bank is attempting to close my account in retaliation for my exercise of a protected right or remedy in filing complaints with CFPB in regard to the fraudulent charges made by Homewood Suites and in regard to requesting a full refund for XXXX XXXXXXXX XXXX failure to provide a duty of care and negligence in maintaining the units which destroyed my personal property, Under federal law, specifically 42 U.S. Code 12203 - Prohibition against retaliation and coercion, I am protected against Frost Bank retaliating against me by wrongfully closing my account in retaliation for filing recent complaints against the bank through CFPB in regard to these matters. Filing a complaint with CFPB is a federally protected right or remedy and thereby Frost Bank is barred from closing my account in retaliation for filing complaints with CFPB or any other consumer protection agency for a minimum of 6 months after filing a complaint. Moreover, their intent to use a fraudulent reason for the closure by wrongfully citing that I failed to properly maintain my account, when in fact it is their failure to properly monitor the activity on my account, their failure to perform due diligence in monitoring my account and their subsequent failure to inform me that excessive charges began appearing on my account inconsistent with charges made in the preceding months by the same company, that enabled the fraud to continue until it bankrupted me. I had a right to be informed by Frost that excessive charges were appearing, and they failed to perform their due diligence by failing to contact me in regard to the validity of the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted this now XXXX times with Capital One please see the new letter going out today. I attempted to fax this to you to fax number listed but it doesnt seem to be working. 
Good morning, I am writing for the last time to request my information be updated to report accurately on the credit report for XXXX and XXXX. I have been denied credit because I was told you are showing I missed payments on my account and that is outright wrong. 
Currently you are reporting missed or late payments for the following months on my account listed above : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and now XX/XX/XXXX. 
I called again today and spoke to someone in Resolution Dept by the name of XXXX ID XXXX he said I would need to send in my documents again. This is now my XXXX attempt in less than 12 months to get this corrected. My previous attempts to capital one directly was in XXXX of XXXX to the above address as well as XXXX of XXXX again with all pertaining items to resolve this. I also disputed this account with all three bureaus in XX/XX/XXXX I was told this was correct and that too was wrong information. 
I am again providing proof that the payments were made. Your capital one online for my account also reports them made timely and not missed. Why are you not able to correct this? 
When I call, I keep being told this account was included in my previous XXXX. I reaffirmed this account and made my payments and made them on time. I have never been late and never missed a month. I was granted an extension in XX/XX/XXXX. However, there is no reason why this should continue to be reporting incorrectly. 
I have provided again today the following exhibits : Exhibit A : screen shot of what XXXX is reporting in terms of missed payments. 
Exhibit B : Capital One payment history reflecting these payments made on time and never missed. 
Exhibit C : Bank statements from XXXX XXXX XXXX to reflect payments came from my account on time and not missed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Since I opened my account in XX/XX/XXXX my account has been paid on time and never late and you continue to mis report my history. I should only have to request this one. I now am going to file a report with the Federal Credit Reporting Act/CFPB. This is wrong and you need to make this right. 

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

This complaint is against the Paypal company, who have been imposing discriminatory, unreasonable, and illegal burden of proof on my company for every transaction we receive, slowing us down considerably in our business processes. 
I have spoken to their customer service and provided all needed information and have the Paypal system set up on my website which required all types of verifications... 
Why am I now and every time being asked for additional verifications though we have systems in place that have already done so? Who in there is being so nosy that they want to see bank statements and purchases from suppliers or additional private information for our business? This causes more security concerns and implications by unqualified third-party companies who could also be sabotaging our business activities... or stealing or business model... 
Now, I am being asked another 5 days after communicating and providing all information. 
Are we being purposely sabotaged to cause business failures?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX referred a debt of {$61.00} to a collection agency without notifying me that the debt was ever owed. I logged into my XXXX account via their website and at no time or do this day does it suggest I owed any money. It displayed a XXXX dollar balance. They referred this to a collection agency which never contact me about it either. Collection agency : XXXX XXXX XXXX -XXXX FL XXXX reported this as a collection account for 6 months ( starting XXXX ) to all the credit bureaus without contacting me regarding this apparent debt that I was not aware existed. Negative financial and career impacts from having negative informaiton on an otherwise clean credit history is significant. This item needs to be deleted from all three credit reports as many laws were broken regarding notification of debt and also notification of collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my credit for XX/XX/XXXX from XXXX. I have not applied for ANY credit period since XX/XX/XXXX This is an unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I reached out to Experian and ended up performing a dispute via on the internet because of the following : Credit inquiry was done without my permission. Information given was not mine as I did not apply for any loan of any type. The companies do XXXX XXXX XXXX XXXX XXXXXXXX XXXX were given the following persons name phone and address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX Phone ( XXXX ) XXXX.
Product: Checking or savings account

On XX/XX/21 I tried to use my Wells Fargo Debit Card, only to find out that the debit card for my checking account ( last 4 digits XXXX ) and ATM card for my savings account ( last 4 digits XXXX ) were " canceled ''. I discovered this when I learned that none of my monthly automatic bill payments had been paid by the bank. I called the 800 # and spent nearly 8 hours on XX/XX/21 and 2 hours XX/XX/21 calling the bank to find out why this was happening. 
I was told that it was for " misuse ''. I asked what that meant, and they would not tell me. I called and called, and no one was empathetic or tried to help me figure out how to get my money out. They told me that the account was " open '', however due to my not being able to access the account in any way, it is the same outcome as if it were closed. 
It is XX/XX/XXXX and I need to pay my rent, my car payment, utilities etc. None of those can go through the bank. I called a branch today and no one answered after several hours of calling. Finally, I called the 800 # and I was told that all of the branches in the state of CT are closed today and tomorrow ( XX/XX/XXXX and XX/XX/XXXX ) due to a snow storm. 
I tried to explain to the customer service reps and the " corporate escalation team '' today that I could possibly DIE without my insulin, as a diabetic. If my electricity is not paid it will be shut off. I have to refrigerate the insulin or it will spoil. If I don't pay for my rent I will be evicted after missing one payment and charged 15 % of the total rent as a late charge. My car will be repossessed after just one late payment. I can't get gas for my car, or go anywhere or get groceries as I have no cash and no access to my bank account. 
At this point, I just want to retrieve my money. I have {$2800.00} in my savings account, and {$240.00} in my checking account. I want to have my money to pay my bills and live. 
It is unreasonable that there is no solution or explanation being offered to me. It is not their money, it is clearly mine, and I need it! Once I get all of my money back ( {$3000.00} total ) I can close both accounts, however I need to wait until after I receive my social security disability payment, which is on XX/XX/XXXX. 
I feel that I have been treated as if I were a criminal despite that I have done NOTHING WRONG. Wells Fargo Bank, as I am sure you are aware, defrauded me and many other consumers when their top management stole money and compromised accounts due to their own GREED. I simply want what is rightfully my money to be given back to me in CASH. 
Obviously this is of URGENT importance, as I have explained above. The bank must find a way to return my money promptly or, I fear, the reality of becoming homeless and having my health compromised will cause by demise ( DEATH ) I can not go for one day without my medication. PLEASE DO SOMETHING TO HELP ME! The situation is dire!
Product: Checking or savings account

BB & T closed my account and blocked it from receiving new funds. Despite this, BB & T has continued charging maintenance fees XXXX minimum balance XXXX to my account. 
It's impossible to meet the minimum balance to avoid the fees since 1 ) the account is closed and 2 ) BB & T is blocking the account from receiving funds.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint personally regarding late payments on my credit report. Upon review, I discovered these entries. I sent inquiries over a month ago but have received no response or adequate verification. I'm seeking your help to resolve this issue quickly and efficiently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account reporting on my credit and the debt belongs to my ex spouse. This is evidenced via a signed divorce decree.
Product: Credit card or prepaid card

I contacted Citi Bank in an attempt to resolve my moderately past due account. I put forward a reasonable proposal that if they'd waive all late fees and ensure that my interest rate remains unchanged, I could dig in and pay the entire amount due, but past due and current. They stubbornly are refusing to waive one {$28.00} fee. I would imagine me paying the entire amount due to bring the account current in exchange for the waiver of this small fee is more than reasonable. I only fell behind due to unexpected unemployment, but am trying to work with this creditor in good faith to service this debt now that I am again employed.