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

I am writing to express my frustration and disappointment with the numerous attempts to correct the late open account associated with my account. Despite my repeated efforts to resolve this issue, it persists, causing significant inconvenience and concern. 

I first brought this matter to your attention, and since then, there have been multiple attempts to rectify the situation. However, each time, the promised resolution has not been achieved, and the problem continues to linger. 

As a loyal customer, I expect timely and efficient resolution of any issues related to my account. The repeated failure to address this matter reflects poorly on your company 's commitment to customer service and satisfaction. 

I urge you to prioritize this issue and take immediate and effective action to correct the late open account. Additionally, I request a thorough review of your internal processes to identify the root cause of this recurring problem and implement measures to prevent similar occurrences in the future. 

Furthermore, I believe it is only fair to receive compensation for the inconvenience and stress caused by the prolonged delay in resolving this issue. I trust that you will address this matter promptly and provide me with a satisfactory resolution. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance : {$9600.00}.
Product: Bank account or service

Charles Schwab stockbrokers control Schwab which generally consists of XXXX people ; they illegally operate interstate banking using a combination of primarily brokerage account, BU THEY CONTROL THE BANK, They are attempting to close my checking account which they have no legal authority to do. They are NOT happy when I shorted Schwab stock and bought a put option. 

We believe that the FDIC could shutdown for unlawful banking activities We believe the CFPB should assess Schwab {$500.00} XXXX. 

We wrote perhaps {$55000.00} in checks against a {$90.00} thousand deposit and these check including a check for the purchase of a car need to clear.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous address on my credit file is incorrect and needs to be deleted asap. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fee due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for the similar practices, where transactions settled with insufficient balanes despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reported by my Mortgage company to Transunion is inaccurate and it needs to be corrected it has been more than a year and a half. the XXXX XXXX  which I have had a mortgage with them they since XX/XX/XXXX since XX/XX/XXXX XXXX XXXX  never reported my payments accurately in the present and in past due to negligence in applying payments to the account. in the year XXXX, I called them more than XXXX times to reply to payments because they assigned it to the wrong accounts. Since I have open the account I have had XXXX late payments because they never apply the checks I sent on time when i send them and they report me as late. also, they so report to XXXX but they stop reporting to TransUnion which has caused me to lose a lot of points on my credit score and disqualified me from being approved to apply for a mortgage.

the account shows the wrong balance on my report. I have called the bank many times and they disregarded my calls. I have called transuion also and they refused to do anything about it and told me to discuss it with the bank. I just can't figure out what I need to do. 
I think this is unfair and against my fair credit. I want this account to be accurate and updated to show the correct information. 
Thank you
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened an Account with Coinbase XX/XX/2021. I transferred XXXX and purchased BitCoin XX/XX/2021. 

I lost my cell which contained my 2FA authentication. I notified Coinbase XX/XX/2021 and they immediately locked my account to protect my account and assets. 

I replaced the phone and requested access back to the account. ( The old phone was located on my property where I lost it yet was destroyed by rain. ) My Coinbase account was never touched or accessed by anyone but me. 

They assigned me case # XXXX It been a month and they have not responded to my various attempts to regain access to my account and my assets. 

My request is very simple : Please send me instructions on how to get back into my account so I can continue trading.
Product: Credit card or prepaid card

I am filing a complaint because Capital One is not adjusting a $XXXX credit that is holding on
my account for XXXX  days. I filed a dispute on XXXX because I did not hear from the merchant
whom I requested a refund. The merchant responded on XXXX with a full refund applied to
my Capital One account. I called Captial One and requested the dispute closed and the account
adjusted since there were now XXXX  credits in the amount of $XXXX for a total credit of
$XXXX still showing on my account - applied by Capital One. I was told it would drop off the
account in a day or XXXX  - not to worry and it was too late to close the dispute. This is not what
Capital One bylaws state. In the Capital One bylaws - Section 11.3.3 Reversal of a Dispute - it
states - If the opposing member as not already moved to the next stage (pre-arbitration) of the
Dispute cycle and neither Member has accepted financial liability, a Member may reverse an
action (a Dispute, a Dispute Response, a pre-Arbitration attempt, or a response to a preArbitration attempt) no later then 3 calandar days after the Processing Date. In Section 11.2.2- It
also states the first day of filing does not count and if the merchant applied the credit the dispute
should be closed.
By refusing to adjust my account, Capital One is holding my ability to pay my monthly bill on time
and in full, XXXX. I pay my account, in full each month.
Since XXXX, I have called Capital One (XXXX) times and each time I was told a different story. They
told me they are waiting for a response from the merchant. They already received a response in
the form a full refund for the transaction in Dispute.
As of today, XXXX XXXX XXXX - my account is still showing a credit for over $XXXX.
Please have Capital One adjust my account immediately and send me written confirmation as to
why they decided this was a good idea when the dispute should have been closed on XXXX
Product: Vehicle loan or lease

GLOBAL LENDING SERVICES on XX/XX/2022, did not have my permission to pull any report on my credit report, they unlawfully validated my right by not following or complaining the FAIR CREDIT REPORTING ACT.
Product: Debt collection

Today my chase bank sent information that my credit score went down. So I checked everything and I found out someone did my ID theft to get Amex credit of over {$20000.00} and someone paid monthly payment in XXXX and XXXX but not XXXX, XXXX and XXXX. So Amex closed account. This was a fraud so I request a dispute and I am going to go to police department as well.
Product: Mortgage

In  2011  the said company,  XXXX , failed to lower my loan amount to a comfortable payment. I paid them a substainable amount of money to no avail.
Product: Credit reporting or other personal consumer reports

This company is reporting missed payments or late payments to the credit reporting agencies every month consistently and it's preventing my score from moving up along with preventing me to get into another auto loan.
Product: Credit reporting or other personal consumer reports

I have attempted to contact fig loans multiple times about an account on my credit report that does not belong to me On the following dates I attempted to call them XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. All phone calls receive an automated response that they are assisting other customers and unable to take the call and request that you email them. 

On the following dates Ihave attempted to email them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All emails are met with an automated responses and ask for an account number to proceed which I do not have as I did not open this account. I have been unsuccessful trying to even speak to this company to even address the problem with them and the derogatory remark is affecting my credit score.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and used by someone who did my credit repair for a couple of years. She also did fraud with other people 's info that I know. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

A debt collection agency by the name of Asset Recovery Associates contacted me in regards to a credit card I had in which last payment was made in 2005, so they say. They threatened legal action against me stating liens on my new car, bank accounts, credit cards etc. I got scared and asked for more info. They stated I owed over {$6000.00} but would settle for a little over {$3000.00}. I said i remember having a credit card when I was younger but had a limit of {$1500.00}. The man from the collection agency then said he would settle at {$1500.00}. I thought that would be better so I made a smaller payment of {$150.00} to them and they want the rest by XXXX XXXX. I 've been reading about debt collection and my rights and I now believe I was stupid to make a payment since they could n't sue me due to statute of limitations. They threatened to sue me to get me to pay and I believe this to be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in paperwork containing undisputed and overwhelming evidence about a late payment that XXXX XXXX XXXX XXXX  that is illegally and inaccurately being reported to my credit profile. Its been well over 30 days and Ive yet to receive confirmation that it has been deleted and have monitored my credit profile and it is still being reported falsely. I sent in a certified packet through USPS that I put a lot of work into and have been left in the dark. Im very disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I disputed a collection on my reports from XXXX XXXX in the amount of XXXX. The company XXXX XXXX/XXXX XXXX XXXX sent back several documents that prove they can not provide me with actual ownership of the debt. 

I contacted XXXX XXXX and informed them that they breached their contract by sending this debt to a collection agency when I have rights to arbitration. The arbitration clause has been violated. I was informed to ask XXXX XXXX to provide a bill of sale or ownership sale of this account from XXXX XXXX to XXXX XXXX. I have not received that. What I received was a Promissory note from XXXX XXXX, where the arbitration clause is apparent and clear. Also I was provided an account Summary report created by XXXX XXXX XXXX. XXXX XXXX XXXX has NO legal right or authority to collect on this debt due to the arbitration clause of this contract. XXXX XXXX is in a direct violation of the FDCRA. This collection is still reporting on my credit reports. 
Also I have become aware of numerous class action lawsuits for this very same thing. 
I want this collection removed from my reports immediately. Please see the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

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

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute towards an account on your credit report should be properly investigated instead of relying on machines as the investigator when it comes to disputes. There is an account from XXXX XXXX whom is reporting incorrectly on my report. I never recieved any services from this company that would lead to any dollar amount. My suspicion maybe is that I am mix up with my father who has a similar name and has used my social security number in the past for fraudulent activities. Whatever the case maybe, I never signed a contract or ever heard of this company. The company states the original balance is {$3700.00} then a past due of an amount is {$4900.00}. This incorrect information violates my rights for accurate reporting and II am getting bullied into a debt to be paid that is not even mines for a dollar amount of {$3700.00} or {$4900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a court order that states the debt belongs to someone else. The court order was submitted to XXXX, Equifax and XXXX and to XXXX XXXX around XX/XX/XXXX or XX/XX/XXXX detailing the court order, and who the debt belongs to. XXXX, Equifax, XXXX and XXXX XXXX submitted a response stating they will not remove debt from credit despite submitting legal documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have entered into a settlement with this company. I have 2900.00 remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last XXXX payments. Which is for XXXX each for XXXX more months. I need this account removed. 

Thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Dispute 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 infeasible. The CFPBs 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 scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

I called on XXXX XX/XX/21 XXXX Citibank about my credit account. I noticed some unknown charges every month for {$59.00}. Did not recognize the name of the company charging my account? I google the name and found nothing about the company so, I called Citibank to stop these charges. I did NOT authorized them to charge my citibank card. 
Citibank closed the account and said they would be sending me a new card. 
I received the new card but NO invoice/statement for the month of XXXX which I was still waiting to pay XXXXXX/XX/XXXXpayment. Yesterday XX/XX/21 I received a invoice/statement from citibank stating I'm in collections. I called them on XX/XX/21 and they told me I had to make the payments for the month of XXXX and XXXX. I told them I did NOT have a problem paying them but I still did not yet know what was my new account? I needed the account number in order to create into my on-line banking to make the proper payment. 
As far they were concerned it was not their problem and to just make the payment. Again I don't have the problem making the payment just needed a invoice/statement and what my new account number would be. unbelievable trying to do the right thing. And I get XXXX? Why?????
Product: Debt collection

This company has alleged debt in the past without proper documentation, they knowing stole my social security # and took me to court for an debt that didn't exist. This company is furnishing information to consumer reporting agencies using stolen information from prier case. This case was won XX/XX/year>. Then XX/XX/year> a collection was put on all three agencies for this alleged debt I feel is retaliation for losing the case.
Product: Mortgage

XXXX usbank did not pay all my insurance and I lost my 1 % deductible which I was grandfathered in in Louisiana. Cost me $ for their neglect. I then had to entered into loan modification. XXXX they required {$3200.00} by XX/XX/XXXX which I paid and my note would be @ {$500.00} a month with @ 2 % interest. Nothing till I filed a complaint w cfpb. Then within two weeks I was offered another loan modification XXXX, I paid my XXXX note and I tried to pay XXXX note which they refused because they sold my property. They recended the sale and said I did not comply and said I failed and wanted the rest the next day. I am in the XXXX trial and paying XXXX payment. I have found out that I no longer have escrow because of sale and my taxes were not paid and have not had insurance now again because of their errors I am again being threatened by them again enormous fees because of their errors. I do n't trust them. I have been threatened eviction when they sold my house. I have been cooperating and they continuously drop the ball. I have applied for loan modification for over five years and they have had me apply again an again and go through money XXXX times now.