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

Transaction Date : XX/XX/2021, XXXX XXXX  Amount transferred : XXXX  XXXX from XXXX ( through XXXX ) to my account in coinbase. 

The amount was confirmed to be sent out from my account, and payment already confirmed to my bank account with coinbase ( attached is the outgoing payment Proof of Deposit from the partner of XXXX ). 

However coinbase insisted they can not see this transaction. The sending bank requested a statement of my account from coinbase before they can proceed with further investigation. However, coinbase can not issue me a proper statement. ( see attached email conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I selected a new vehicle to lease and completed all required paperwork on XX/XX/2019 at which time my credit was run with no issue. I went to XXXX on XX/XX/2019 to complete the transaction and pick up my car. Upon reviewing the lease agreement I found that my information regarding my address had been changed without my knowledge and was the incorrect address. The Credit Manager at XXXX informed me that my credit was run a second time, without my authorization, right before I came down to the dealership to pick up my car due to the the fact that he changed my address on file. I requested that he contact the credit bureau ( XXXX  ) to rectify this and was informed he would follow up with me. I never heard from the Credit Manager at XXXX so I followed up with the General Manager on XX/XX/2019 via email who got back to me on XX/XX/2019 and informed me he would look into it and remove the unauthorized and incorrect credit inquiry from my report on XX/XX/2019. The General Manager followed up via email on XX/XX/2019 that he was still working with the credit department. I followed back up on XX/XX/2019 and XX/XX/2019 with no response from the Company.
Product: Mortgage

I just found out my home is in foreclosure. My home was in foreclosure 10 years ago, but the foreclosure was dismissed for lack of evidence by the plaintiff. I initiated a short sale a few days ago and was just informed by my Realtor that my home is in foreclose and has a sale date XX/XX/XXXX. I have n't never been served with papers notifying me that there was a case pending. NationStar has been in contact with me and is aware of, my mailing address. I also have a buyer interested and they will not entertain the short sale unless I agree to auction the property off. I have a sick child at home and do not want XXXX people walking through my home especially since we had the home on the market for 5 days and have a contract and a back up. I have spoken with Nation Star a few times the last couple months and have not been advised one time that there was a foreclosure pending. I suffer from XXXX and this absolutely devastated me. Please help me!!!!!
Product: Bank account or service

My business partner and I opened a business bank account with Wells Fargo Bank XX/XX/2016 ( XX/XX/2016 ) and gave the Business Specialist all the business documentation he requested, including our DBA statement. XX/XX/XXXX I received a letter from Wells Fargo ( Risk Operations ) saying that the bank needed more 'business verification documents ' from us. I returned to the bank ( XX/XX/2016 ) and gave another Business Specialist our signed Partnership agreement and requested that if anything else was needed, to contact us. He said that he was sure that this doc would suffice and did n't know why the first Business Specialist lead us to believe that the Bank had all the necessary business documentation from us. On XX/XX/2016 I looked at our business account online and saw to my great shock that it was closed with absolutely no prior notification to us. I returned to the Bank on XX/XX/2016 and the spoke to the same Business Specialist I visited on XX/XX/2016. He said that 'perhaps our DBA had n't been scanned ' in in the first place. He appeared to be just speculating and he could n't talk to anyone who actually knew why our account had been closed. On XX/XX/2016 my general partner returned to the Bank where we opened the account. She spoke with the Business Specialist who actually opened our account. He said that our account is now 'open ' again but could n't tell us why it had been closed ( in error ). He also could n't tell us when we would receive the {$820.00} that was the balance in our account when it was closed. ( WF XXXX out the balance when they closed the account ). He said the check 'was in the mail ' and also it 'might be Fedexed to us ' but could n't give us a tracking number or any indication about when the check will actually be sent to us.
Product: Debt collection

The debt collector as continue to violate continuously my rights and has avoided at all causes to answer and provide all the information requested to deem the debt valid or invalid. I invoke the arbitration clause within the alleged agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy 15usc 1681 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end and consumer plan as late for any purpose. 
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
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

This is my 8th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, GA XXXX USDOE/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} USDOE/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

This letter serves as my final demand for immediate action regarding unresolved disputes related to inaccurate and unverified items on my credit report. Despite my multiple attempts to correct these errors, your failure to conduct a proper investigation and remove these items from my report is a clear violation of the Fair Credit Reporting Act ( FCRA ). This XXXX  is unacceptable, and I insist on prompt rectification.
Product: Debt collection

Upon investigation, CitiBank contacted me with information stating that the debt was sold to a financial firm, XXXX XXXX ( XXXX ), and that the balanced in 2010 was {$2000.00}. They also stated that there was never a judgement placed against me for the debt and to contact the firm. When I called XXXX, they proceeded to tell me that though the bought the debt, it was being handled by XXXX XXXX XXXX XXXX ( XXXX ). When I told them that I was never served and the amount expected was way beyond what was due, they stated that I probably was n't served and should contact the law firm. When I spoke to an associate for the firm, he stated that I should refer my call elsewhere or see them in court despite knowing that they never served me in order to have this judgement placed against me.The only one who has given me an accurate account of the alleged debt figures was CitiBank and I 'm under the impression that I have been a victim of fraud by these firms in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 


To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate XXXX XXXX and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX XXXX XXXX XXXX  Furnishing certain deceptive forms- Please Update too Never Late. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because l 've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i am writing today because i have previously disputed this account referenced in this dispute not only have you not deleted this inaccurate account from my report but you didn't even mention in this consumer statement that this account was in dispute as you are supposed to. the law says that if a consumer disputes an account you have to write that this account is in dispute since you have not done so it leads me to believe that you have not conducted an investigation at all, why is it so difficult to get things done by you it feels like every time i send a dispute that it is a wast on the postage fees it feels like i am just sending a dispute and your computer sends me a letter that says verified without you guys doing anything. why is it so? why cant you do your job and conduct an investigation. plus you violated the law by not adding a statement that this account is in dispute.
Product: Checking or savings account

I opened a checking and savings account with Citi bank. I did not have an account previously. I received an ad in the mail stating I would receive a {$600.00} bonus if I deposited {$50000.00} and held that balance for 60 days. My new account number is XXXX was opened in XX/XX/XXXX. 

On XX/XX/XXXX I called citi bank to make sure I was eligible for the bonus. The citi rep assured me I was, and I asked him to note this on my account and make a record of the call. He said the call was recorded. 

I deposited {$50000.00} on XX/XX/XXXX. This was my only transaction in the account until XX/XX/XXXX. 

On XX/XX/XXXX ( approximately, cant remember the exact date ) I called citi again, as the 60 day period was complete. The rep told me there is an additional 90 day waiting period to get the funds. She again confirmed I was eligible for the bonus and I would receive it within 90 days. 

On XX/XX/XXXX I called citi, more than 5 months after I originally deposited and held the {$50000.00} in the account. They now say I was not eligible for the {$600.00} bonus. I spoke to 4 people, including 2 supervisors. They all acknowledge that my the 2 reps I spoke to ( in XXXX and XXXX ) left notes on my account detailing our conversation, however they refuse to pay the bonus now. They say the reps I spoke to were misinformed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged for XXXX work that I did not receive and that did not meet the standards of the XXXX Board of  the State of Texas. Further I was overcharged for the shoddy work by a factor of 200 %. The XXXX threatened to report me to credit agencies unless I paid the bogus charge or gave her my auto. she reporte me to a collection agency and I submitted a large amount of information twice to the collection agency ( which she hired ). The collection agency found me in arrears and demanded that I pay them the amount due. I subsequently went to the XXXX board of the State of Texas with a formal complaint. They asked for additional information twice and then brought the XXXX before the Board. The Board found the XXXX to be at fault and reprimanded her along with stipulations and a fine as well as attorney fees and costs. This did not ease my derogatory credit remark on the bogus claim.
Product: Credit card or prepaid card

I have made 2 payments, XX/XX/XXXX {$500.00} and XX/XX/XXXX {$100.00}, to Comenity and neither have shown up on my transactions. They have shut down their customer service via phone and I have also attempted to contact them via secure message center, once on XX/XX/XXXX, no response and I tried again on XX/XX/XXXX got a response of someone stating that they have not received the payments. I have attempted to call numerous times over the last week and a half with no answer from a human.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account numbers XXXX. ( Please see pages 14 and 15 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

There are numerous credit inquiries I have no knowledge of such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please remove these fraudulent inquiries from credit report. I also attached my identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Barclay Bank Delaware/Barclay Card is reporting XXXX different amounts due for a debt they allege I owe. How can it be possible that I owe XXXX different dollar amounts on XXXX debt? They are also reporting on my credit report that a recent payment has been made. According to my records, no payment has been made on this account since XXXX/2015. 
In addition, the account according to my credit report, is reporting as closed on XXXX/2015 with a payment being made on XXXX/2015. 

I would like for them to provide the original signed agreement for this alleged account and a balance on the account from XXXX to the present so that I can get more information and understand the breakdown of what the balance is and how it they 've calculated and came up with the alleged balance owed.
Product: Debt collection

On XX/XX/2024 I spoke with a woman who called from number XXXX ( XXXX ) XXXX trying to stop by my house to serve papers. I asked what it was for and she said XXXX XXXX and I told her I hadnt received anything and wanted to know what the debt was for. I provided my address and informed her I had not received any notices of a lawsuit or any information on debt being owed. Then I asked if she wanted to bring the documents she had to my new address and she said shed need to talk to her boss because there are legal notices that I would of need to receive and she wasnt sure what to do. I told her again I hadnt received anything and would like those legal notices to be sent to my new address before any lawsuit is filed against me because Id like to pay it. Which this did not happened. On XX/XX/2024, I received papers for a lawsuit on the debt which I was confused about saying there was {$160.00} owed and interest. I thinking they legal had to send notices before any lawsuit would be actually filed, so I immediately paid it since I had the information I need, who and what the debt was for and I paid the money. Thats all I needed to make the payment. i emailed the payment receipts to the email provided immediately. On XX/XX/XXXX I opened a letter sent to me notifying me a default judgement had been granted and owed now {$480.00} more for a debt paid and had never received any notices a judgement was being considered. I feel violated and taken advantage of. How could this happen? All I did was move and didnt realize I was a perfect one to take advantage of. Now, I have a {$480.00} judgement owed to an attorney for fees and filing. Yet, I never received the legal notice required of the attorney to file the lawsuit.
Product: Vehicle loan or lease

XXXX called my work ask for me. Then after that called asking for the owner of the company. Im 40 days passed due. They keep calling almost every day. My phone my grandma my sisters.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX Bankruptcy XXXX  XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other that records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Tried to send money thru zelle and monies was sent to the wrong person and couldn't get a refud