23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have a joint account with my mom at chase. She passed away last year, so the account was dormant for a while. I received a new card from the bank, and i remembered i have that account. i used it one time to check if it was still active, and it was. on XXXX XXXX, I deposited XXXX checks at a local ATM. the transaction went through. the following day, i went on line to check on it, and could not find the account. I called the bank helpline and was informed that the account was closed. there was no email or letter sent. and that they said they closed it on XX/XX/XXXX. i called the local bank where the checks were deposited. I explaines to them that the money is a loan, and was intended for a family vacation that my family was looking forward to, and that we are leaving that coming sunday. they said they were going to mail the checks, expedited. the vacation came and went, we still have not received the checks. i called their local bank again, only to be informed that i have to file a claim instead. and that the claim takes 10 days, again to be processed. and that tere is no way to expedite this.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Trans Union Equifax Experian all three bureaus refused to remove all inquiries off my credit report when I ask, they refuse to do their job and follow the law so I appreciate you getting in contact with them and ask them to remove all inquiries. I sent you off of my credit report. Its about XXXX to XXXX inquiries that was ran without my permission.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute a late payment reported on my credit account with Possible Finance, in accordance with 15 U.S. Code 1666b. 

Account Information : Account Holder : XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX and XXXX Creditor : Possible Finance I recently discovered that a late payment has been reported on my credit report, stating that I am 60 days late. I believe this reporting is inaccurate and unfair due to significant technical issues with XXXX XXXXXXXX XXXX app, which directly affected my ability to make timely payments. Specifically : App Glitches : XXXX XXXX XXXX  app has been extremely glitchy, making it impossible to schedule payments properly. Despite multiple attempts, the app failed to process my payment scheduling. 

Support Delays : When I reached out to XXXX XXXX XXXX  customer support for assistance, the response was significantly delayed. By the time support adjusted the payment schedule, it did not reflect correctly on the app, and the payment did not process as intended. 

These issues were beyond my control, and I made every effort to ensure my payments were made on time. The technical failures and support delays directly resulted in the reported late payment, which I believe should not impact my creditworthiness. 

I kindly request that you investigate this matter and delete the late payment from my credit report with all three credit reporting agencies : XXXX, TransUnion, and XXXX. Attached to this letter are copies of relevant documentation, including communication with XXXX XXXX 's support team and any other pertinent information. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please confirm receipt of this dispute and inform me of the outcome at your earliest convenience. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Olmsted Falls, OH XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 alleged fraud or extortion. 



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account placed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, and XXXX XXXX  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 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 or 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, credit repair services, or other personal consumer reports

I recently filed a complaint about XXXX XXXX XXXX XXXX. This collection agency reported an account on my credit file with the original lender being " XXXX XXXX XXXX XXXX '' from 2018. I have FINALLY tracked down the original lender XXXX, who tells me that the first time I called XXXX XXXX XXXX XXXX, they should have taken my insurance information for billing. I had medicaid and VA XXXX at the time of service XX/XX/2018. I just spoke to someone at XXXX XXXX XXXX XXXX who refuses to taken any insurance information. This is unacceptable. This account needs to be removed from my credit file IMMEDIATELY!!
Product: Checking or savings account

On XX/XX/XXXX I opened an account with Wells Fargo to deposit a cashiers check that I was going to be getting from the sell of my dads house who had passed away I informed Wells Fargo about this when I opened the account On XX/XX/XXXX I deposited a cashiers check for {$62000.00} into my savings account with Wells Fargo inside a branch when in the branch they had to call XXXX bank and verify the check and they were able to do that I was told that they were going to only give me {$5000.00} the next day and the rest would be A 4 day hold On XX/XX/XXXX I made a transfer from my savings to my checking account of {$2500.00} and tried to pull it out at the atm however my card was blocked by the bank and I had to call them. When I called them they told me that I needed to step into a branch with my id I told them no problem I was able to withdraw the {$2500.00} inside the bank however now on XX/XX/XXXX I was notified that my account was no frozen and I would not be able to withdraw any money from my account until I talk to someone in the risk management department. 

Im not happy the fact that the bank is allowed to just not let me have access to my money i will be filing a police report against the company as this is crazy!
Product: Mortgage

I was approved for a COVID-19 loan forbearance due to loss of income because I was led to believe I would be able to obtain a modification as long as I could resume my normal payments at the end of the forbearance. This would either transfer the remaining balance to the end of my loan or divide it over several months and give me an opportunity to repay. When I regained employment I applied for modification and was denied any options other than balloon payment or short sale on the basis of my debt to income ratio. My debt to income ratio is virtually the same as what it was when I qualified for the loan originally. I have acquired no new debt and my income is minimally less in my new position than when I bought the home. 
The mortgage company is also refusing to allow me to make any loan payments until the total balance is settled.
Product: Debt collection

XXXX XXXX from XXXX XXXX XXXX called my job and work issued phone. I told her not to call either phone. She threatened to call my HR department. I told her that she is not to call my place of employment and my work issued phone. She told me that she can call if she wants. Then she continued to call, spoke to my coworker then she called my work issue phone from an unknown number. It got to the point where she was hanging up. I called the number back that showed up on my personal and work issued phone, she refused to talk to me and had her supervisor speak to me. He tried to verify my information on me which I refused to agree to. He never told me what the call was for. I told him that they are harassing me at this point and need to stop calling. I blocked the number from both of my phones. They attempted to call from an XXXX number and I blocked that as well. The supervisor told me that they can legally call my job and work issued phone. I got extremely angry and pretty much let him know that I will file a complaint against this company along with him and XXXX XXXX. I believe the supervisor 's name is XXXX. When they called my personal phone, they did not leave a message. They just kept calling all XXXX numbers. They are extremely harassing. If I had not blocked them from calling. I am sure they will continue to call me. The phone number to this company is XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the three credit bureaus have my XXXX XXXX XXXX visa reported. It is unclear if the credit card company reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid {$1.00} to Experian to purchase credit report. 

On XX/XX/XXXX I was charged {$21.00} from Experian for my monthly service charge that I never signed up for. 

On XX/XX/XXXX I noticed these charges on my credit card and called Experian to " cancel '' my account that I never opened. They canceled my account. I also asked to remove the {$21.00} fee and they refused. I call my credit card company to dispute the charge and to never allow Experian to charge my credit card. 

This is fraudulent behavior as the website never makes it clear that it will be charging you a monthly fee going forward. I believe most people will not file a complaint for fear of reprisal as Experian is rating your credit.
Product: Credit reporting or other personal consumer reports

My credit report is showing an unauthorized inquiry from XXXX XXXX XXXX on XXXX this UNAUTHORIZED inquiry has affected my credit profile and is affecting me from using my credit. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy this inquiry needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I emailed XXXX  XXXX XXXX regarding two accounts reporting incorrectly on my credit reports ( XXXX, Equifax, XXXX ). I informed them there were inconsistencies between the three bureaus and asked for these accounts to be removed from my credit report. In the email ( screenshots attached ) I addressed myself under my legal name, XXXX XXXX. On XX/XX/2019 XXXX XXXX XXXX  responded with 3 letters per account which did not address my concerns with the inaccurateinvalid information reporting on my credit reports. In addition to not addressing my concerns, the company referred to me under an incorrect name. Despite me giving them the name XXXX XXXX in my request they addressed the letter to a XXXX XXXX. This additional inaccuracy is proof this debt needs to be removed from my credit reports.
Product: Money transfer, virtual currency, or money service

Back in XX/XX/2020 I realized that someone had stolen my identity and used Coinbase to steal {$15000.00} from my bank account. I tried reaching out to coinbase to have the money returned, but their answer was simply that the same IP address was used and that they were not responsible for the issue. I have sent paperwork proving I had identity theft situation and I have tried to resolve the issue with my bank as well. Coinbase is aware that fraud takes place on their platform and are more than OK letting crime take place on their network. I though, am not ok with this and want my money returned to me. Coinbase needs to be held accountable for what happens on their platform.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent reporting of an account on my XXXX, Experian, and XXXX credit reports by XXXX XXXX XXXX. Upon scrutinizing my credit reports, I discovered an erroneous listing of an account attributed to XXXX XXXX XXXX that does not pertain to me. This inaccurate reporting not only damages my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Under the stipulations of 18 USC 8, I affirm that I do not owe any debt to XXXX XXXX XXXX. Therefore, the inclusion of this account on my credit reports is not only unjust but also illegal according to federal law. I raise doubts about the validity of their claim and demand immediate removal of this erroneous information from my credit reports to rectify the harm inflicted upon my creditworthiness and reputation. 

I expect prompt action to address this issue and restore the accuracy and integrity of my credit reports. Failure to do so will compel me to escalate this matter to the appropriate regulatory authorities and legal entities. I implore you to treat this matter with the seriousness it deserves and to address it promptly. 

Kindly acknowledge receipt of this complaint and provide a timeline for resolution. You may contact me using the information provided below. Thank you for your prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Exeter Fin, Account # XXXXXXXX XXXX, and Account # XXXX Child Supp 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed the inaccurate information on my consumer report but it has not been changed and is currently in dispute Pursuant to 15 usc 1681a ( 3 ) This company assumed this role without permission not only that This company did not have my consent. This company did not respect my privacy which is under 15 usc 1681a ( 4 ). This company did not exercise their grave responsibility,. This company was unfair partial, unjust, and careless. Pursuant to 15 usc 1681b ( 2 ) this company never had permissible purpose. I never instructed anyone from this company to furnish this report and I never consented to the reporting in the first place.

What I demanding right now is that the company delete this account/report immediately within 4 days.
Product: Money transfer, virtual currency, or money service

VyStar has locked my checking and saving accounts with no explanation, email, letter or text notifying me as to why. I found this out when after doing my own research when making a monthly payment for my auto loan. I have been trying to make my payments online since XX/XX/23. When I transfer funds from checking/savings account I get a successful transfer ( took screen shots as proof ). When I log into my account it says {$0.00} payment due by XX/XX/23. However, no funds are being withdrawn and there is no payment being applied from my Vystar checking and savings account. I received no explanation, email, letter or text notifying me of this. I am under the impression that my payments are going through ( took screen shots of the successful message from Vystar of transfer ), yet behind the scenes its ailing in the transfer history log. I am being charged a late fee {$15.00} for this and have an adverse credit concern. This is not the first time they have done this to me. When I paid off my personal loan ( golf cart loan ) with a refinance, there was a {$23.00} balance. I sent a {$23.00} payment to satisfy the remaining balance this off multiple times. However, when I logged into my account it still said balance of {$23.00} but {$0.00} payment was due. Then they hit my credit with a 30 day late, but the following month the account shows paid off {$0.00} balance. But the late fee still shows on the credit. Vystar needs to have some accountability for this, better transparency and notifications sent to customers when there is an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( Experian, XXXX, XXXX ) that I owe a balance of {$180.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. This trade-line CAN NOT be 'written off ' and have a balance and is CLEARLY in violation of federal law ( s ). The guidelines afforded to me, a litigious consumer are as follows ....

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample.

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary.

Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Capital One Hard Inquiry being reported to XXXX. I demand this a the accounts listed in the identity theft report be removed as they are a result of identity theft.
Product: Credit card or prepaid card

n accordance with the Fair Credit Reporting act Capital One Savor One 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 They violated my right by collected on the fraudulent account. They turn around and sue me for the amount of XXXX they say it was not fraudulent I was work with new debt consolidation company they trun down they say that account was fraudulent then I can't duplicate becuse credit bureau block it because capital one doing. I feel like my right been violated.