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

XXXX XXXX XXXX is reporting an inaccurate payment history to one or more of my credit reports. On Experian, XXXX is reporting that the account first became 30 days late in XX/XX/XXXX, but XXXX and XXXX   show the last payment was made in XX/XX/XXXX, which would put the account going 30 days late in XX/XX/XXXX. XXXX has re-aged the account on my credit report by FOUR FULL MONTHS and is making the late payments inaccurately seem more recent than they actually are. On XXXX, XXXX has omitted the month by month payment history from the report. The account is incomplete on that report. 

I am complaining because I first disputed the account with Experian and XXXX, but they responded to my disputes on XX/XX/XXXX saying that XXXX verified that the inaccurate information was correct. 

After that, I sent a letter directly to XXXX regarding the inaccurate credit reporting on XX/XX/XXXX. I provided them with proof of the date of last payment from my XXXX  and XXXX reports. I also sent them a copy of the dispute letter I sent to Experian as well as the inaccurate account reporting on Experian. 

On XX/XX/XXXX, XXXX responded to my direct dispute letter by saying they already investigated my dispute when I disputed with Experian and that they would not investigate. They also claimed I did not provide any new information, which is a false claim. 

In summation, XXXX failed to investigate my dispute when I disputed with the credit bureaus. XXXX verified inaccurate information as accurate to Experian. XXXX refused to investigate my dispute when I sent them a letter with proof of the inaccurate information. XXXX also has failed to correct the information after all my attempts to get it corrected. 

At this point, XXXX has violated my rights under the FCRA multiple times. XXXX is causing real harm and emotional distress to me by providing this false information to the credit bureaus. I have been charged exorbitant rates on a recent auto loan because XXXX is maintaining this inaccurate information on my credit reports and I have been denied other credit opportunities.
Product: Debt collection

In Re : In The Matter Of : Name of Appellant : XXXX XXXX Bankruptcy Case # : XXXX ( Dismissed ) Civil Action Case # : XXXX XXXX ( XXXX ) This Topic : Appellants 4th Brief ( Due Date Not Specified by Court ) TOPIC 01 : Notice of Demand For Possession from XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Main Office : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX , Phone ( XXXX ) XXXX. 

Summary : Legal Basis & Procedure basis are questioned by Appellant XXXX XXXX on this Notice of Demand For Possession ( Attached ). 
This notice was taped on my TH residence Front Door. This notice was delivered by this means, ar around XXXX XXXX, Wednesday, XX/XX/2021. Please note that Civil Action Case # XXXX ( XXXX ) still Open & Not Dismissed. Suitable legal counsel not yet identified but continued effort is being made since last brief, Appellant Update 03 -- Brief XX/XX/2021 was filed approximately 2 months ago. A complaint against this party will Be filed with CFPB.GOV, under Debt Collection. Issue category : Took or threatened to take negative or legal action. 
This notice is dated XXXX XX/XX/2021 From XXXX XXXX ( XXXX XXXX XXXX ), The XXXX XXXX XXXX XXXX XXXX XXXX, Main Office : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX Phone : ( XXXX ) XXXX. 

XXXX Legal 3rd Party Debt Collector since XX/XX/XXXX have tried to foreclose twice requiring me to seek XXXX XXXX Protection, as filed at the XXXX XXXX XXXX Court House, currently pending Civil Action Case NO : Civil Action Case # : XXXX XXXX ( XXXX ) ( please see related XXXX previously filed complaint ID : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Took or threatened to take negative or legal action
Product: Checking or savings account

On XX/XX/XXXX, I opened a silver business checking account with banker XXXX XXXX XXXX XXXX at the US Bank branch at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. He walked me thorough the website to open the account & register for online banking, registering for the promotion for a {$300.00} bonus when {$3000.00} was deposited with 30 days of account opening & online banking activated. He confirmed I qualified for this bonus # XXXX he added to my application, and that activating my online banking with him qualified me to receive the {$300.00}. He also mentioned that depositing the new {$3000.00} in funds via ATM or lobby in person will be ok since the mobile app wasn't working for 30 days as a new account holder & a wire transfer or ACH wasn't available. After following up with XXXX-8 US Bank employees in various departments the past 2-3 months since XXXX & calling the IT desk, business services, stopping by the branch in person & emailing various departments via the website every few weeks, they verified I qualified for the bonus several times, and were just waiting for the team manager that did the review to activate the bonus. With my last interaction XX/XX/XXXX with XXXX XXXX at the same XXXX XXXX branch phone : XXXX, he mentioned I didn't qualify for the {$300.00} bonus since I didn't deposit the {$3000.00} on XX/XX/XXXX via mobile deposit. I told him I was told any means of deposit including ATM & lobby deposit would qualify me for the bonus by XXXX via phone & XXXX 's email correspondence confirming I qualified for the {$300.00}, since the mobile site wasn't working when we opened the account online together with Banker XXXX XXXX XXXX XXXX. I followed all the instructions given exactly, and was assured I would receive the {$300.00} account opening bonus by XXXX. Now 14+ hours of follow-up ( several more voicmails left for XXXX & XXXX XXXX XXXX XXXX XXXX branch ) & several months later I have still not received it. I would like to be paid and receive compensation for my 14 hours to date ( XX/XX/XXXX ) of wasted time by their stonewalling & fraud bait & switch tactics. The US Bank culture is rotten & as an XXXX XXXX myself, I see several material weaknesses & fraud risks throughout this organization. I still had access to former entity accounts form 2+ years ago & that same entity had their email on my new account opened up in XXXX. I was also accosted at their ATM & when I reported it to the tellers that day, nothing was done " we have no security today ''.
Product: Money transfer, virtual currency, or money service

I am having an issue with paypal that is blocking my money and closing my account for no reason. They don't even want to let me access my money until 6 months. I had no warning nothing! They just limited it all the time and block my money which is around now {$14.00}. I want my money now not in 6 months!
Product: Debt collection

To Whom It May Concern, I am writing to formally request validation and verification of a debt. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the alleged debt within 30 days of receiving your initial notice. Additionally, I am disputing the debt under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ) to ensure that any unverifiable information is not reported to credit bureaus. 

I request that you provide documentation to substantiate the validity of this debt and confirm your authority to collect on it. Specifically, I request the following : 1. Proof of Debt Validity : Please provide an itemized statement showing the principal, interest, fees, and other charges that constitute the amount owed. 
2. Legal Right to Collect : Documentation demonstrating that [ Debt Collectors Name ] has the legal authority to collect on this debt, which includes any purchase agreements and assignment contracts that link this debt to your organization. 
3. Original Creditor Information : The name and address of the original creditor, along with any associated account numbers or identifiers, to verify that this debt is accurate and that you are legally entitled to pursue its collection. 

Until this information is provided, please consider this letter a formal dispute of the debt, and cease all collection activity, including any reporting to credit bureaus, until verification is complete. 

Thank you for your attention to this matter. Please send all correspondence regarding this request to the address listed above. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Debt Recovery Solutions is in violation of 15 U.S.C.1692-1692P On XX/XX/2019 ( I ) XXXX XXXX reviewed my Consumer Credit Report to discover a invalid debt from Debt Recovery Solutions. 

I called and spoke with a person by the name of XXXX about this Invalid debt from Debt Recovery Solutions. Mr. XXXX who was both abusive, and oppressive with me ; in violation of 15 U.S.C.1692b (  2 ). 

Mr. XXXX also used obscene language against me ; in violation of 15 U.S.C 1692d ( 2 ). I then ask Mr. XXXX to remove this invalid debt from my report and to stop all collection efforts and he stated that he would refuse to do so. 

Mr. XXXX was deceptive with me in his attempt to collect a debt ; in violation of 15 U.S.C 1692e ( 10 ).
Product: Credit card or prepaid card

Hi, on XX/XX/XXXX I tried to make a payment to my credit card but Comenity bank said their had a system outage. I waited a few days and tried again, but the system was still not working. They posted a message to either call or use their " XXXX '' option, however the calls would not go through and the XXXX option continued to say my account did not exist. I have multiple accounts through Comenity bank and none of those accounts I have been able to access, pay my bills, or reach the company through the various customer service lines that are listed on my card. A couple of my cards are due now but I still have no way to make my payments. I tried yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) to pay multiple cards, to no avail. Each payment site I visited today continues to claim I can make a payment through XXXX ( I still continue to get " account does not exist '' ) and the phone lines now say to " Please call back at a later time ''. The customer service representative on XXXX continues to make false claims that you can make payments through XXXX or through the phone at present. They literally responded to someone saying that those XXXX systems were up and working before I made my last attempt. I understand that they said they would waive late payment fees UP UNTIL XX/XX/XXXX, but I am still worried about it seeing that the systems are still not operating.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, XXXX and TRANSUNION decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The following items listed below needs to be removed from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, R ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX Owed : {$210.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, 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. 
( 1 ) DepedXXXX # XXXX {$21000.00} ( 2 ) DepedXXXX # XXXX {$12000.00} ( 3 ) DepedXXXX # XXXX {$10000.00} ( 4 ) DepedXXXX # XXXX {$7700.00} ( 5 ) DepedXXXX  # XXXX {$7400.00} ( 6 ) DepedXXXX # XXXX {$7100.00} ( 7 ) DepedXXXX # XXXX {$5900.00} ( 8 ) DepedXXXX  # XXXX {$5700.00} ( 9 ) DepedXXXX  # XXXX {$5500.00} ( 10 ) DepedXXXX # XXXX {$5500.00} ( 11 ) DepedXXXX # XXXX {$5300.00} ( 12 ) DepedXXXX # XXXX {$4500.00} ( 13 ) DepedXXXX # XXXX {$3500.00} ( 14 ) DepedXXXX # XXXX {$1300.00}. 
15 U.S.C. 1681 section 602 A. States I have a 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 reporting 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: Debt collection

This company has wrongfully damaged my credit reputation and character, by publishing inaccurate, defamatory, and non-public private financial information on and or about me, causing me financial and emotional damages, and it is repeated on a monthly basis.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely m
anner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$2.00}, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from. my credit reports. List all those negative accounts from your XXXX credit reports. Account names and account numbers and file Your complaint with the CFPB
Product: Credit reporting or other personal consumer reports

In despite of my previous attempts to resolve this matter, these fraudulent items have not been removed, and my disputes have been consistently ignored. The continued presence of these fraudulent entries on my credit report is causing severe distress and has significantly impacted my financial standing. This situation is unacceptable and must be addressed immediately. I demand that you will help immediately escalate this matter and take all necessary steps to thoroughly investigate and remove the fraudulent items from my credit file without further delay. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline. I also expect transparent communication regarding the progress made and the specific actions being taken to resolve these issues. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$20000.00}.
Product: Checking or savings account

I lost my phone a purchase was made of {$2000.00} cents to the XXXX XXXX XXXX XXXX XXXX Ive talked to the cashier manager I dont have a bill there Ive never attended school there they will give provide refund if bank sends charge back Bank of America will not they keep denying my claim
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF HUMAN TRAFFICKING. I REQUESTED CREDIT BUREAU BLOCK THESE ACCOUNTS PURSUANT TO 605C OF THE FAIR CREDIT REPORTING ACT. THEY HAVE STILL CONTINUED TO NOT COMPLY WITH MY REQUEST.. I ATTEST THAT THIS INFORMATION BE REMOVEDPLEASE BLOCK THESE WITHIN FOUR BUSINESS DAYS AND SEND ME UPDATE AS A RESULT OF HUMAN TRAFFICKINGUS DEPT ED : Account number : XXXX, VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX  | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX  : Account number : XXXX, VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX  : Account number : XXXX, VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX : Account number : XXXX, VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT CAPITAL XXXXXXXX XXXX XXXX XXXX XXXXXXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION XXXX OF FAIR CREDIT REPORTING ACT XXXX XXXXXXXX : Account number : XXXX, VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX OF XXXX XXXX XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT
Product: Money transfer, virtual currency, or money service

Hi I have been a Coinbase user for the last 3+ years and recently I saw a transaction of {$1000.00} from my bank account to Coinbase and no description of the problem was provided in the detail section. I logged a complain about it using Coinbase 's Help center on their website. Rather than providing me a satisfactory answer instead they disabled my account. It happened on the XXXX XXXX, 2020 and I received a reply from them that we have assigned your case to an account specialist for review and we will get back to you as soon as the review is done. The review takes 3-5 business days. It's been 17 days now and I am not getting any update from them though in these 17 days I have sent them more than 20 emails but they won't respond. 
My account had roughly {$38.00}, XXXX when they locked it. Where {$22.00}, XXXX or a little more were in USD and more than {$15.00}, XXXX in different cryptos. 
I am locked out of my account and since crypto currency is so volatile that I have already lost lots of money because I can't take proper steps to sell my cryptos  in time. Also I am at a high risk of losing most of my money in the blink of an eye if any crash happens which multiple analysts are already talking about while Coinbase wouldn't resolve my issue and won't respond to any of my emails and won't even unlock my account. They have no online chat or phone no to be used for contacting in case of any such issues. 

My Case # is XXXX and my email address associated with my account is XXXX. I tried contacting them on XXXX as well but no luck there as well. Someone on XXXX then referred CFPB that they are very active and helpful in case like this. I'll really appreciate if this matter be taken with them and my case be resolved in time. 

Let me know if you have any questions. 

Regards, XXXX
Product: Credit reporting or other personal consumer reports

CEASE AND DESIST This is not a normal complaint this complaint is to expose the bureaus fraudulent practices that you the CFPB can do what you are supposed to do and shut em down until they do manage to do business by the law. Ive complained about this issue several times. I need action and recourse. CFPB it is your whole reason for existing. to make sure that these institutions dont take advantage of consumers. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681i, which mandates a reasonable investigation of disputed items on a credit report within 30 days, I have found your lack of action and correction unacceptable. The Accounts listed in the attachment have not been properly investigated nor verified with the diligence the law requires. Moreover, under 15 U.S.C. 1681b, the FCRA stipulates conditions under which you are permitted to report consumer credit information. Express permission is a requirement not to be overlooked. Without my consent, the reporting of any such unverified and incorrect information constitutes a direct violation of these statutes, effectively amounting to the illegal dissemination of data. Let this letter serve as a formal notice for your agency to CEASE AND DESIST all reporting of the aforementioned unverified and incorrect information related to my consumer credit files. Immediate rectification actions are required to address these inaccuracies, including but not limited to the deletion of these items from my record, to bring your operations into compliance with 15 U.S.C. 1681i ( a ).