23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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 CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax back in XXXX regarding these inquiries that I told them I dont recognize. I also filed a ftc report and they still ignored it, now this is hurting my chances of purchasing a home and causing me problems. All I ask is for these inquiries be deleted from my report. Not deleting these items are a violation of my rights and equifax are not following FCRA laws they are ignoring them. Please delete!
Product: Payday loan, title loan, or personal loan

About a year ago, I received an installment loan from Tower Loan on XXXX XXXX XXXX in XXXX, XXXX XXXX Within the last two months, I requested an additional {$1000.00} dollars. I was told that I had to have insurance in order to secure although I told them that my products were insured. I was asked to list household products with a XXXX credit score. The loan maturity amount will be XXXX plus dollars once the loan is paid for. I questioned the practice and was told that if paid out early that the additional fees would not apply. However, after during research, I learned that the practice of manipulating clients has been addressed in the past via XXXX XXXX Tower Loan XXXX XXXX ( Civil Case Number XXXX. The company is continuing deceptive practices.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which show the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 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. 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! Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

XX/XX/year> Chase bank has stranded me in XXXX XXXX without access to my funds. 

I have been attempting a wire transfer between my Chase account and my account at XXXX. This has been ongoing for over 3 days. XXXX or more attempts have been made ; every time, " the system '', which is mostly automated, automatically denies my transfer & locks down my account profile. I must then call Customer Service ( Fraud Protection ) to have my profile unlocked ; in my 30+ calls to Chase , no one I have spoken to has been empowered to do anything for me except follow a pre-set script of intstructions or advice. Every call that I make requires a time investment of :15 to :30 minutes. I have tried to perform transfers while on the phone with a Customer Service rep for hand-holding ; all they can do is direct me to take the exact same steps/actions that I have already tried numerous times. 

I have tried to bypass this by contacting the Branch Manager at my local XXXX, XXXX branch ; her only contribution was to re-direct my call back to the Customer Service department ( which, based on the accents I hear, is overseas ). I have also tried to contact the JPMorganChase XXXX XXXX Customer Service ( XXXX XXXX ) directly by e-mail ; I have not heard back. 

I have tried to wire my funds through XXXX XXXX, also through XXXX. The same result happens ; Chase denies the transfer, and locks my profile. 

I tried to do this with the assistance of my banker at XXXX ; this situation isn't her fault, the problem is entirely on Chase 's end. 

I have already signed a lease, placed a deposit, and enough for my first week of rent. Thank XXXX I travel with a few XXXX in cash. This will only last for a few more days ; if I do not continue to make the scheduled payments I have signed my name to, I will default on my lease and lose everything. 

I am in genuine danger of becoming a homeless XXXX in a foreign country.
Product: Debt collection

Plus Four Inc, made a statement as their reason for reporting and claiming the wrong amount that showed a partial payment was made on the account reporting. This statement was false and the original amount claimed was an attempt by the collection company to indicate that I made a partial payment and now has amount remaining. This is a fraudulent tactic to justify the claim. The company also adding interest on claim that was not a loan or direct service from the company for profit. This is illegal tactic showing a higher amount and reporting a partial payment from that amount that never took place.
Product: Credit card or prepaid card

Since 2014 I have credit card and almost 99.99 % of the time I have paid my bill 2 days in advance however this time I was surprise to see that I have been charged {$6.00} cent as an interest. When I call credit card company he said I may have paid my balance on due date and system did not get the payment that's why I have been charged. When I check, my due date was XX/XX/XXXX and as usual I paid two days in advance XX/XX/XXXX. When I told customer representative he just casually said its could be system mistake I will revert back charges. My question is on 1st why even I have been charged interest and now I have to check each of my bills since 2014 to check how many times I have been charged interest. This is not at all acceptable to me it seems fraud by credit card company. I am sure lots of user also have experience this issue and they may not aware of incorrect interest charge into credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). I are writing to bring to your attention a billing error related to our account, as governed by the provisions outlined in 15 U.S. Code 1666 and 12 CFR Part 1026 Regulation Z. This billing error dispute encompasses past, current, and future Certificate of Indebtedness transactions associated with the contract in place between XXXX XXXX and Regional Finance regarding my account. It has come to our attention that there has been a failure to credit our account for the Certificate of Indebtedness, particularly concerning dividend payments derived from our treasury coupon. Despite Regional Finance benefiting from dividend payments related to this certificate, a corresponding credit has not been applied to our account from the dividend payments that Regional Finance made off our treasury coupon. Moreover, this discrepancy may be in violation of the regulations set forth in 12 CFR Part 1026 Regulation Z, which governs certain aspects of credit transactions, including billing errors. We would appreciate a thorough review of our account to ensure compliance with these regulations. Additionally, we would like to highlight a non-compliance with the Electronic Funds Transfer Act ( 15 U.S.C. 1693 ) in the crediting process. Specifically, interest accrued from our treasury coupon, as outlined by the aforementioned Act, has not been duly credited to our account through the appropriate channels. We are confident that Regional Finance values its commitment to adhering to federal regulations and ensuring transparency in all financial transactions. As such, we kindly request a thorough review of our account to rectify the billing error promptly. Furthermore, we expect a detailed explanation of the discrepancies identified and the actions taken to remedy the situation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Debt collection

I have received two notices from ProCollect regarding {$200.00} owed to creditor : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

I have never lived in XXXX, or have in any way been affiliated with this company.

I called ProCollect and they asked me for my social security number, which I was unwilling to provide because I didn't know if this was fraudulent or a scam. I was further fearful of providing information as the agent that I spoke with was very rude and unprofessional. 

The letter states that my credit score will be impaired if I do not pay the debt, but I am certain that it does not belong to me as I have only ever resided in the states of XXXX  and XXXX.
Product: Debt collection

I have sent many disputes to the Credit Agencies and to Enhanced Recovery in regards to the account that they are reporting on my credit file. I have informed them many times that this account do not belong to me. I contacted the Credit Agencies and they stated that Enhanced Recovery verified that this account is accurate. But it is ironic how Enhanced Recovery will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Enhanced Recovery. Not to mention, this account is still reporting on my credit file. I need your assistance in getting this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

On  XXXX   XXXX ,  2017 , I attempted to use  my Amazon Chase cre dit card in  XXXX  for a car rental. The card was declined. I later tried to use it at the hotel as well, only to find out that the card did n't work either.     My adult son has a sub-account of my Sapphire Chase card, and I did n't work at gas station in  XXXX   XXXX  NC on  XXXX   XXXX ,  2017 .     On  XXXX   XXXX ,  2017 , I noticed that my auto-pays for a ll Chase cards were disabled. I called Chase and they told me that my Amazon and Freedom credit  cards were closed as of  XXXX   XXXX . No communication was sent to me about the account closure. No explanation was given from the representative w ho I initially talked to nor from her supervisor. I was told that I was unable to apply for a new Chase accoun t for 30 days.
Product: Debt collection

Midwest recovery systems is reporting a pay day loan that is was never mine. I have received phone calls that are breaking the law and threatening. I reported to the federal trade commission. I want this removed immediately!!!!!!!!! 

I will continue to submit multiple complaints weekly until it is deleted. Also, i found a threatening voicemail from your company that i have forwarded to the FTC. I will file complaints with CFPB, BBB, and FTC until this is deleted. This is not my debt and you need to show proof that it is. 


I WILL NOT STOP TILL DELETED. THIS IS NOT MINE AND YOU HAVE NO RIGHT TO REPORT INACCURAE INFO ABOUT A PAY DAY LOAN I NEVER HAD.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 than records of convictions of crimes which antedates the report by more than 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: Credit reporting or other personal consumer reports

inaccurate inquiries from a company that doesn't even exist.
Product: Credit reporting or other personal consumer reports

This notice is regarding an unsecured loan account opened on ( XX/XX/2023 ) that POSSIBLE FINANCIAL INC reported to the consumer reporting agencies with my personal information with a current balance of {$46.00} owed. I am requesting POSSIBLE FINANCIAL INC to remove all 8 late transactions they reported after I pay off the full balance that is currently owed on this account. If POSSIBLE FINANCIAL INC will remove all 8 late transactions, I will not hold them liable to the violations listed below or in any past notices. According to the FAIR CREDIT REPORTING ACT This section of the law - 15USC1681 ( 2 ) ( a ) ( i ) ; EXCLUSIONS FROM A CONSUMER REPORT ; clearly states how my transactions or experience as a consumer to POSSIBLE FINANCIAL INC are excluded from my consumer report regardless of their company policy or everyday business practices ; Furthermore, 15USC1666 ( b ) states creditors can not report a LATE PAYMENT unless they mailed a notice received by me the consumer containing information from 15USC 1637 ( B ), 21 days before the late payment was reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX Inquired on XXXX  XXXX, XXXX  XXXX Inquired on XX/XX/2019, XXXX XXXX, XXXX  XXXX XXXX XXXX Inquired on XXXX  XXXX, XXXX
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2019 I used XXXX to buy XXXX XXXX tickets from a guy XXXX XXXX with email XXXX. As soon as I sent the money the phone call was disconnected. The phone number he was using was XXXX XXXX. I immediately called the fraud department at Wells Fargo ( my bank and his ) and they said sorry we cant do anything for you because XXXX  is a gift even though it was going from one Wells Fargo account to another. What good is it having a bank that doesn't back your transactions up? I felt safe with XXXX  only to find out there is no help with fraud! I don't make much money to begin with, and now I will have to work 3 days for free to make up the money stolen from me. I am just sick that there is no help from these banks. Someone please help. They make you jump through all these hoops and offer no help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd 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 30 DAYS 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 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: Money transfer, virtual currency, or money service

For about 4 months now, I've been asking Coinbase to unfreeze my account or to close my account and send my money back to my bank account and they keep telling me to wait for an email from XXXX, I've been provided all requested information but my account stayed frozen. Finally on XXXX XXXX, customer service fixed it where I could send my crypto currency to another account, so I sent it to my cold wallet {$10.00} worth of XXXX to make sure it was going to my account, after that I tried to send {$2000.00} Worth of XXXX and it was failed and my account was frozen to where I can not log in and can not see my funds. I can't process to verify i.d that it's me to unlock my account, I can't sign in and I can't chat with customer service and their XXXX number customer service is not available, it says not available and it hang up. So there's no support to get this matter resolve, I've emailed over and over with no response. I don't know what to do, I feel like Coinbase is scamming me out of my money. Before I was locked out but I could see my crypto currency but only to watch going down in price and I couldn't set a stop loss or transfer to XXXX. OR withdraw my funds, I started {$10000.00} and the last time I was able to see my account I was down to {$4500.00} now the account has been frozen, I can't sign in and see my funds there's no customer help, I've tried every way possible. I have a lot more screen shots of conversations with Coinbase customer service also emails. Please help me with this matter thank you..