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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documentation, including a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). 

I respectfully request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXX through debt bondage, I request the removal of all related items and the deletion of associated company information from TransUnion. 

Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent off 5 dispute letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to send me verification of the late payments on 2 accounts that I question or remove them. 1 of the accounts was closed and transferred as paid with {$0.00} balance had late payments of XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX and the other one was in good standing which I 'm currently paying on had a late pyment of XX/XX/XXXX. In return I only was told that the accounts was mine and has been updated. While only disputing these 2 accounts, the account that I had that was in good standing was removed from my credit report when I only disputed the 1 late payment and there were now additional accounts that was closed and transferred with {$0.00} balance as paid payment status has now been changed to payment status unknown only with the 2 accounts in question.
Product: Debt collection

XXXX XXXX XXXX in XXXX, California, and Linebarger Goggan Blair & Sampson are trying to collect a debt from me that I do not owe. They have placed a hold on my son 's back account ( I am on his account, but it is his money that he earned from his job and can prove ). According to their records, I have a traffic violation from XX/XX/XXXX with my old California Driver 's License. However, I have lived in Illinois since XX/XX/XXXX. When I got my license here in Illinois in XXXX, XXXX of the requirements was that I had to surrender my California driver 's license. Which I did. In XXXX, I did not have a California 's driver 's license. Also, in XXXX I gave birth on XX/XX/XXXX to my XXXX child. I found out in XX/XX/XXXX, that I was expecting my XXXX child. In XXXX my husband and I purchased our home. I was not working, as I was a XXXX XXXX XXXX mom. Our finances were extremely limited, and we were not traveling. This is not my debt, and I have enough information to prove that. I would like my son 's money returned, as that is the money he works for, to help pay his college fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

In XX/XX/2016, I purchase a weekly timeshare at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. The contact said that the membership may go up or down. The prior is always the case never the latter even with COVID-19. Aspen National Collection ( XXXX ) XXXX has added almost {$900.00} to the maintenance fee
Product: Money transfer, virtual currency, or money service

I opened an Bitcoin account with Coinbase a couple years ago and never tried to access the account until a month ago. After entering the correct user name and password, and security code, I was told my machine was not the one I opened my account on. So I drove 3 hours to retrieve an old computer that I opened the account on. They still would not let me access my account, saying they needed me to respond to an email after putting in all the right credentials and security code. The email never arrived. I contacted Coinbase support, which must be a robot and not human. I was told my system blocked their emails -- even though they got 5 or 6 emails through to the same email address during this fiasco. They then said I needed to set up a new account and they would transfer the bitcoin to that account. I asked them to call me. No response. I asked them to simply convert the Bitcoin to cash and put my money back into the bank account it came from. No response. After divulging a massive amount of personal information, I received notice my new account had been set up ( see attached ). But when I tried to access it I was told the XXXX ( same one I set the account up on ) was not recognized and asked to verify I lived in some city I have never heard of ( XXXX  ). I no longer trust this company and have received a warning their messages may be dangerous ( see attached. ). They have thousands of dollars of mine and no longer even reply to my messages to the help center.
Product: Checking or savings account

This morning, XX/XX/2023, Charles Schwab closed my XXXX brand-new brokerage accounts with them, " due to a business decision '', and denied my investor checking account, referring me to the " negative information '' on my XXXX for XXXX basis of their decision. I've pulled my XXXX report this morning, and it is clean, not a single negative mark on there. I have opened many accounts- primarily CDs, since CD rates have been on the rise - lately, so several banks and CUs  have inquired into my XXXX file, and opened accounts for me with no problems, resulting in multiple recent inquiries ( as many as XXXX in the last 2 months ) on my XXXX report. When I asked a XXXX XXXX representative if that was the reason, they've checked and advised it was not, but declined discussing any further information about reasons for their sudden and unexplained decision.
Product: Debt collection

Hello, I XXXX XXXX requested to dispute these items on this list. On XX/XX/2022 I sent out letters to these companies to file disputes. Not only I have file a dispute on these items previously and nothing have been done. I will attempt to send another letter to them to file a dispute on these items. It seems like they open them and close them with out being reviewed with the supporting documents.
Product: Money transfer, virtual currency, or money service

I tried to withdraw the amount of XXXXEUR from my account at Coinbase on XXXX XXXX. They sent me an email mentioning that the withdrawal was initiated and the money would be appearing in my bank account by XXXX XXXX ( plus extra 2-3 working days maximum for my bank to process the deposit ). However, nothing has appeared on my bank account so far. I 've lodged couple of support requests to solve this ( one made on XXXX XXXX, other on XXXX XXXX ), and tried to contact them through their XXXX account starting on XXXX XXXX, yet had I received no answer from both channels. All the dates/time mentioned above are in central european summertime.
Product: Credit reporting, credit repair services, or other personal consumer reports

The furnisher credit card company ( " Macy 's American Express '' or " AMEX/XXXX '' or " Macy 's '' ) reported my account as 30 days and 60 days late in XX/XX/XXXX and XX/XX/XXXX, respectively. 

As of XX/XX/XXXX, I was out of state to quarantine and billing statements were not received. On our around XX/XX/XXXX XXXX 's contacted me regarding the late payments and I immediately brought the account current by making an automated clearing house payment to Macy 's via telephone and, despite having been partially laid off due to the pandemic and informing Macy 's of this fact, during the same telephone call entered into a statutory accommodation pursuant to the CARES Act amendments to the FCRA -- a payment plan of {$200.00} per month over 36 months, and closing the account in exchange for a lower interest rate. Macy 's agreed to report the delinquent amounts for the months of XX/XX/XXXX and XX/XX/XXXX as current, but instead reported the account as 30 and 60 days past due, respectively.

I did not receive written confirmation of the terms of the accommodation with Macy 's. While my XX/XX/XXXX account statement notes that my " account is enrolled in a payment program, '' there are absolutely no details as to the terms of such program.

Fifteen months after the accommodation, the account is nearly paid in full, with only {$860.00} out of the initial {$7300.00} outstanding to-date. 

I have made attempts to correct the reporting error with both the furnisher and the credit reporting bureaus, without success. By letter dated XX/XX/XXXX, Macy 's notified me that my request to correct the information on my credit report was denied.
Product: Checking or savings account

XXXX XXXX Date :XX/XX/XXXX-XX/XX/XXXX Situation : XXXX XXXX  refused to disclose the arrival of XXXX  tokens from XXXX XXXX XXXX for a total of XXXX dollars via direct deposit from XXXX XXXX 's Bank Account at XXXX XXXX XXXX ( nickname XXXX ). 

I called Attorney General XXXX 's office and used his help desk line and was pair with the Consumer Financial protection Bureau ( CFPB ), they generated the investigators and forwarded to the FDIC who validated my complaint and Office os Comptroller of Currency who issued the XXXX Ticket number for the docket for XXXX dollar settlement from XXXX XXXX XXXX XXXX XXXX, Original solution : first attempt was on XX/XX/2019 at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX | XXXX, Pa.. The United States Bounty XXXX read a message from XXXX of XXXX plays with ( 3 ) Gold Awards and reward of XXXX dollars and did not complete the task of Extradition of XXXX XXXX. 

Solution : PLEASE HAVE THE CARRIER TAKE OFF THE XXXX EQUIPMENT AND REDELIVER COURT GRANTED SETTLEMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX PH ; XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block.inc ) due to inadequate customer service and unfair practices Wich violates the consumer financial protection act ( XXXX ) .specifically cashapp failed to take timely and effective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected furthermore there dispute resolution was unfair and deceptive as the did not comply with error resolution requirements under the electronic fund transfer act ( EFTA XXXX and regulation Ethese actions has caused significant inconvenience and financial loss and I see appropriate redress for these violations
Product: Debt collection

I spoke to a representative named XXXX from Capital Accounts in regards to a debt she claims I owe. I was unfamiliar with the debt and asked her to send me the details showing that I owe the debt. My request, on a recorded line, was denied and I was told I would have to contact the company who turned over the bill as it was not her job, and she did not have to send me the info. She told she would report to the three ( 3 ) bureaus if I didn't pay that day. I said I would pay if it was mine, but I need proof of the debt, she again denied my request, in clear violation of Federal Law. 

At this point, the clear violation, on a recorded line, should be investigated and the company should properly train their employees.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, Transunion, and XXXX regarding unauthorized hard inquiries, fraudulently obtained bankruptcy information, and incorrect personal information that is being reported on my credit report. I believe that these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and warrant an investigation. I kindly request that the Consumer Financial Protection Bureau investigate the following issues : 1. Unauthorized Hard Inquiries : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a monthly mortgage that was finally approved to be 31 % of my gross income as a payment since I first applied for the HAMP thru XXXX XXXX XXXX, it is also an FHA loan. I have made persistent monthly payments to XXXX Home retention department since XXXX of XXXX when I first applied. I also took the financial counseling courses thru XXXX debt counseling in XXXX. As I complained to this office XXXX was denying me the proper repay payments on the modification. XXXX kept inflating my gross income and that would project an improper repayment on my loan monthly payment and they failed to comply to FHA guidelines. This was complained to the bureau frequently my credit also suffered. I am a XXXX person and deserve to be able to maintain my home without threats. On sunday XXXX XXXX, XXXX, yesterday, a man served me foreclosure papers despite the FACT I have active letters from XXXX that my appeal is being reviewed since my payments were consistent and the payment and trial period were met since XXXX of XXXX. The liason with XXXX and FHA stated she is looking into this matter. FHA created a ticket over the concerns of a third party named in the loan papers that were sent to me to sign in XXXX. I inquired as a consumer who and what the third party fees from XXXX were and XXXX kept denying there was a third party. Now a law firm is filing foreclosure despite the fact XXXX XXXX. loan specialist of XXXX states she is working on my modification. This law firm has violated the terms this foreclosure date is listed less than 30 days of the letter dated XXXX XXXX, XXXX these papers were served yesterday XXXX XXXX, XXXX. I have letters from XXXX dadted this last week and calls from them stating the modification is being worked on. The law firm is violating FHA terms as the secretary of the FHA must allow a foreclosure and the terms on the loan are not consistent with XXXX. My loan name is not even listed as correct on the papers from the law office. I am being wrongly pursued and abused. this law firm is wrongly adding fees where my XXXX loan modification with FHA is another amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a car loan opened with someone in my family. They paid off this account and before that they filed bankruptcy. This was in XX/XX/2015. This account was put on my account and I had no knowledge of it. I have tried to fix it with the credit bureaus, even after the seven years and they have done nothing to fix the situation. The company is GM Financial and they are not accurate. They also gave this inaccurate Information to a third party. The XXXX account number is XXXX
Product: Bank account or service

I have had m & t as my bank for many years. Every year 2 times a year they take from my account {$14.00} for direct deposit. My checks are directly deposited very month. I called them yesterday about it and they refuse to reimburse me. So for over 10 years they did this and it cost me XXXX dollars a year. It 's due to their computers. Not my checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this for over a few years and they will not Remove it from my report. I have included letters from the court and XXXX and any other verification system showing that this information should not be on my credit report and they will not remove it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b 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! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Payday loan, title loan, personal loan, or advance loan

I had payments sent in for XXXX separate loans : Payment XXXX for loan was {$3100.00} XXXX XXXX for the second loan was {$2000.00} These were submitted XX/XX/year>. 
It is now XX/XX/XXXX and they have no answers for me when I asked where the money is and why it hasn't been applied and now it is past my due date when i have never missed a payment from them. They have not provided any info and my balances do not reflect so I can get these loans closed.
Product: Checking or savings account

I can not open my account you have so many headings and nonre of them allow me to log into my account dont you think of these issues I trie XXXX XXXX XXXXXXXX  log in No Good this is very discouraging. XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX or XXXX you see please simlify all of these erronus heading I have been on the PC fro 1 hr to view and depoist XXXX XXXX XXXX XXXX TERRIBLE
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Section 611 of the FCRA, by Law I did n't receive a Letter Notification of Re-Insertion of Inquiries within 5 days or at all. I called Transunion in reference to their Error in their System and Customer Service did n't take care of it, help me nor Remove the Inquiries on my Credit Report. Credit Inquiries on Report : XXXX XXXX - XXXX XXXX XXXX XXXX, MD -XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX -XX/XX/XXXX I did not Authorize these Inquiries nor autograph my signature on an application to pull my Credit Reports.
Product: Credit reporting or other personal consumer reports

I RECENTLY WAS DENIED FOR A MORTGAGE LOAN DUE TO THE FACT THAT I HAVE AN INACCURATE CREDIT REPORT. NOT ONLY IS THE ITEMS INACCURATE BUT THEY DO NOT BELONG TO ME. EACH CREDIT BUREAU VERIFIED ACCOUNTS THAT ARE STILL REPORTING INACCURATELY AND FRAUDULENTLY. I KNOW AFTER EACH BUREAU VERIFY AN ACCOUNT THEY MUST PROVIDE ME WITH 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation original contracts used to validate the dispute. 
5. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.. 
IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATIN YOU ARE COMMITING. I NEED THIS INFORMATION SENT TO ME IMMEDIATELY AND IF YOU CANT PROVIDE ALL OF THIS THEN I NEED ALL ACCOUTS REMOVED EXPEDITIOUSLY!!!
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 XXXX : # XXXX XXXX  XXXX  : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 


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: Credit card or prepaid card

I used my Chase bank credit cards to pay for a river cruise this spring. The trip was canceled to to the coronavirus pandemic, and the cruise firm refunded my payments totaling {$11000.00} on XX/XX/2020. Immediately after receiving the credit, I called Chase bank credit card services and requested that they transfer the credit balance to my Chase checking account. I was told they had to issue a check rather than transfer funds. 
I happen to know that XXXX  XXXX XXXX will transfer funds for similar transactions immediately. 
I called the Chase Customer Service number XXXX three times on XX/XX/2020 and they hung up on me each time. I called the same Chase Customer Service number on XX/XX/2020 and they hung up on me twice after making me hold the second time for over 20 minutes. 
I looked up the Chase headquarters number at XXXX XXXX XXXX, XXXX, NY, which is XXXX and only connected with voicemail. I left my name and number and a brief description of their non-service, with a request for a refund with interest. They have not bothered to call me back or initiate corrective action. They are allowed to charge 15.24 % on purchases and 24.99 % on cash advances. But they have used my funds for over a month causing me to lose potential interest. They should be held accountable.
Product: Credit reporting or other personal consumer reports

I have been sending the company receipts asking to verify and acknowledge debt or remove it and still has not answered back or removed anything