23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I receive many call from local numbers. I dont know any of these. I answered one and they said they were from Forward recovery movement. They said I owed a loan many years ago. I didnt. I told them to prove it so they said they would send it. I recieved a letter from XXXX XXXX XXXX stating I owed money from companies I never heard of.. This was made on XX/XX/XXXX. I think this XXXX is a fraudulent company giving an A+ rating th these people. The only one I had was paid thru XXXX XXXX XXXX. XXXX was my rep. Their number is XXXX ... I owe no one. I want the calls to end. They call my work, they call me with fraudulent phone numbers. If they were legit they would give me names and dates from the original loan. The loan was paid years ago. And the company sold my information to another. Now they want monies not owed them. They say the new owner is XXXX and XXXX XXXX. And Original creditor is XXXX # XXXX I have never heard of either.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a collection from XXXX XXXX showed up on my consumer credit report. I let XXXX know, and I was told it was removed, but have had no confirmation.

Per HIPAA, the FCRA and the privacy act of XXXX, as a federally protected consumer, This violates my right to privacy. This has led to a great deal of emotional and financial stress in my life. I have attempted to contact XXXX on numerous occasions, and have had no success. I want this situation resolved immediately. I have waited to long, and have suffered a great deal of stress already.
Product: Checking or savings account

BBVA purchase and closed the online-only bank Simple. It was supposed to switch over on Saturday XXXX. Since that date, the Simple app and website no longer function, but I am unable to log into or access BBVA via their app or website. The customer support number only says " we are experiencing difficulties '' and disconnects
Product: Checking or savings account

I mobile deposited an XXXX XXXX check to my Wells Fargo checking account on XXXX/XXXX/XXXX, XXXX XXXX 
Wells Fargo put a hold on this check till XXXX/XXXX/XXXX to verify this transaction for my security. 
I found out, there is a federal regulation to put a hold on suspicious checks for XXXX business days, not for XXXX days. 
XXXX bank is on this planet, even on the same continent. 
All it should 've been done, was a phone call, to XXXX bank to the other to verify the transaction, this is just a frustrated customer talking out loud ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Product: Debt collection

I had XXXX XXXX as my auto insurance carrier. I was involved in a 5 car accident on XX/XX/year> and car was deemed totaled. I contacted XXXX XXXX  and informed tthem. At that time, my claim rep was XXXX XXXX and she transferred the claim three times. So they asked same to send proof of car being totals from insurance company and I did mail it. I had already paid my premium for the month of XXXX for XXXX and its drafted from my checking account on the XXXX of every month. They advised me not make the payment for the month of XXXX because of the vehicle being totaled and it was the last payment for the billing cycle and my policy was due to renew on the XXXX of XXXX for the next sixths month and XXXX XXXX was suppose to prorate me a refund back for the last 7 days of tue policy left. So I canceled my automatic withdrawal for the last payment and was waiting on my refund. I never receive any other communication but a text from Credit Collection Services informing me that my account is with them. This is very upsetting as I almost died in a 5 car accident, which I was hit and airbags deployed and I am due for a refund and they never sent me my money and reported me to the credit bureau as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these Fraudulent Inquiries from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Funds were available at times of purchasing but transactions posting differently than they actually are made resulting in overdraft fees when the funds were available during time purchases made
Product: Credit reporting or other personal consumer reports

My account with these creditors was never late! I have had exceptional payment history witH 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 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 60 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.

these creditors 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

I have been with Coinbase for quite a while now. When XXXX was looming, Coinbase sent out an email saying they recommended their users protect their Bitcoin by putting it into their Vault. I did that on XX/XX/XXXX About a week later ( XX/XX/XXXX ) I logged back into my account and set up the transfer from my Vault back to my Bitcoin wallet. I have waited and waited and waited. I have contacted Coinbase repeatedly about this transfer. The note on my account says, " Waiting for approval. '' I have already approved the transfer so I looked into this further : There is another name on my account ( some d ... XXXX ) I NEVER put on the account. I have investigated on the internet and it seems Coinbase has had this complaint MANY times - the mysterious d ... XXXX who has to approve transfers and never does. I do n't know who this person is. I do n't have their email address to approve my own inter-account transfer and so my money is just somewhere out there inaccessible to me. I have contacted Coinbase repeatedly and they simply DO NOT RESPOND now. I have not been able to use my Bitcoin as the market made its moves. My money is being held hostage by the ( supposedly ) most reliable company to have/hold bitcoin with. I have missed out on many opportunities to turn a profit because my funds are inaccessible.
Product: Credit card or prepaid card

I purchased a pair of shoes online with my Chase Sapphire Reserve credit card on XX/XX/XXXX. Card number XXXX. The item is sold year round and was advertised on the website for {$110.00} down from the retail price of {$490.00} for Father 's Day, but I was charged the full retail price + tax and the retailer did not want to honor the sale price. Chase offers a Price Protection insurance on their Sapphire Reserve credit card that will reimburse up to {$500.00} per claim for items purchased that are advertised for a lower price. I filed a claim on XX/XX/XXXX through their online claims center and uploaded a screenshot of the reduced price that I took when I purchased the item and my purchase receipt. A claim number # XXXX was assigned to me. After several days, I received a decision on XX/XX/XXXX that the claim was rejected due to being a seasonal sale. 

Chase 's terms and conditions state that exclusions include " Advertisements of sales of seasonal or discontinued items including, but not limited to, holiday decorations, clothes, or costumes '' Here is a link to their benefits. 
https : //www.chasebenefits.com/sapphirereserve These shoes are not a seasonal item as they are sold year round, but they are trying to extend this statement to seasonal sales. A seasonal item are products like Christmas trees, Halloween costumes, holiday cards, etc. I called their claims center to clarify and they are saying that according to their terms, they would not honor any seasonal sale including Black Friday, Mother 's Day, Veteran 's Day, semi-annual sale etc. The problem is that 95 % of retailers specifically time sales all year around these special dates, which would exclude basically a majority of their Price Protection claims. That is a very predatory practice to advertise an insurance service that most people can not even use. 

Please let me know if you can rectify this issue. All I want is for my claim to be properly honored. I can be reached at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting my third CFPB complaint today to request to the Credit Reporting Agencies for them to remove the disputed fraudulent accounts and information from my Credit File. Under the Fair Credit Reporting Act Section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to the theft of my identity. I sent a letter addressed to the Credit Bureaus requesting that they remove the fraudulent accounts and information from my Credit File. Once again, I am requesting that the Credit Bureaus remove the following fraudulent accounts and information from my Credit File : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$350.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. If the Credit Reporting Agencies claim that the disputed accounts and information belong to me, I need the Credit Bureaus to please provide me copies of proof of verification or any documents bearing my signature. Failure to provide so must result in the immediate deletion of the items in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE THE ACCOUNTS ACCOUNTS 1 ) XXXX XXXX XXXX -AMOUNT {$810.00} 2 )  XXXX XXXX - XX/XX/XXXX -AMOUNT {$250.00} 3 ) XXXX XXXX -DATE XX/XX/XXXX -AMOUNT {$650.00} 4 )  XXXX -DATE XX/XX/XXXX -AMOUNT {$260.00}
Product: Debt collection

I received information through a title search and from the closing attorney that I had a judgement and a personal property lien against me on XX/XX/XXXX in the amount of XXXX. The judgement and lien were placed by a debt collection company, ALDRIDGE PITE HAAN. After  numerous attempts to reach them by phone and ask questions via their website, they refused to identify the original creditor on this debt, the amount owed as of the last transaction or provide any proof that could substantiate the debt. The address they had on the judgement was an address that I have not lived at in over 13 years. The original judgement was obtained in XXXX County State Court in XXXX and renewed with a property lien in XXXX when I inherited a 10 % share in my grandmother 's property. In order to close on the sale of this property my aunt had to pay them off. They refused to take her call and also refused to take her payment over the phone as they say they will on their website. We ended up paying electronically by check and have not received either a reply confirming the debt is settled and the lien is being lifted. This company has essentially held 6 heirs hostage to rightfully claiming the proceeds from their mother 's estate because APH Law LLP didn't care enough about this tiny debt to respond in a timely and conscientious manner.
Product: Bank account or service

I WANTED TO CLOSE AN ACCOUNT WITH WELLSFARGO. THE BANKER SUGGESTED TO LEAVE IT OPEN. THEY HAVE CHARGED ME WITH BANK FEES AND WANT ME TO PAY FOR IT.
Product: Consumer Loan

I purchased my vehicle XX/XX/2012 first payment started XX/XX/2012 for a 72 month car loan through Santander at 21.25 % interest .Although some of my payments were late I have been able to maintain making payments never had a repossession, Ive made 49 payments of {$620.00} up to this date. 
This car has been reliable until recently Ive had to put over XXXX in car repairs over last 2 momths and was told I need to get rid of it by the mechanic because its going to be too much to fix now I had to get a waiver from the DMV in order to register the car becsuse it fa iled smog .twice even after the necessary repairs were done. The mechanic which fixed my car XXXX XXXX on XXXX XXXX XXXX. XXXX XXXX Nevada says it would cost close to XXXX for Timming chain and once they take the engine apart its no tellingwhat else theyll find and it could cost me more money. 
Ive been tryingto get a reliabe vehicle and trade thecsr in but no auto dealer want to take negative equity anf apply to a different car. 
Santander is reporting incorrectly my paymemts and not applying payments to my account according to agreement. Santander has alsobeen addeing extra amount to increase my balance during the loan without my knowledge. 
Ive had some difficult times over the life of this loan due to unemployment last year, and prior personal difficulties and needed extnesions on payment. The customer service representstive for Santander gave me misleading information when getting my extensions I was under the impression The 4 extended payments would just be put on the back of loan which would make me have 4 additional months to pay or I could pay extra before the end of loan period to complete the payments. 
I want my account totally audited all of my payments to make sure account is being managed correctly and for my correct balance to be reported correctly on my credit reports. 
This isnt only affecting me and my credit but its also affecting my daughter since she was my co-signer for this vehicle at that time. 
She also purchase her vehicle at thst same time we thought we were getting a deal. 
Santsnder has sold or transferred her loanto another finance company she is also making payments since XX/XX/2012 and feels she is getting ripped off shes saddened and regret cosigning although she was happy to help atthat time. 
please help to resolve this issue. 






my car is only appraising at XXXX now which was done by XXXX. Santander is reporting that I owe over XXXX. 
currently. My credit reports have XXXX different amounts that I 'm supposed to owe Santander.
Product: Checking or savings account

XXXX XXXX a XXXX XXXXXXXX print press will not allow I to use equal credit of identification for free cash deposit of bank extension of credit. Their dialogue prevents use of bank credits from birth-given name extension of credit. A XXXX  accountant director adjusted company associates to communicate through XXXX  for clear man sabotage by false XXXX  republic associate.
Product: Credit reporting or other personal consumer reports

I have an auto loan on my credit from XXXXXX/XX/XXXX; Americas car mart, for roughly XXXX. That vehicle was totaled and payed off in XX/XX/year>2024, I need this vehicle taken off my credit because it is payed off, the account is non existent and I do not make payments on it as of XXXX because it was totaled and payed off by my insurance and their XX/XX/XXXXThis is affecting me negatively when my insurance payed them! And they said they were just waiting on their title back to them in the mail.. that shouldnt be negatively affecting me because the dmv hasnt sent them their new title back. The account is no longer existent, you cant look it up in their system because it was written off yet they say they cant fix it on my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own an LL Bean credit card nor have I ever. It's reporting that I do and my report went down two points.. I have fraud alerts and freezes on my credit due to occurrences like this. I have not ever been an LL BEAN MASTERCARD HOLDER. Not now or in the past. Calling the creditor using the number given on my report just now, they also couldn't find an account with my social security number and therefore couldn't/would n't address it. Please do rectify this mistake correct my credit report score and it showing I have ever had an account with them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account # XXXX To Whom It May Concern, This is my third and final attempt to have the blatantly inaccurate and unacceptable information corrected on my credit report regarding the XXXX XXXX account ( # XXXX ). My previous requests, sent on XX/XX/XXXX, and XX/XX/XXXX, have been ignored, which constitutes a clear violation of my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). 
Let me make this crystal clear : if no action is taken immediately, I will proceed with legal action and escalate my complaints to all relevant regulatory authorities. 
Account Details High Balance : {$20000.00} ( all bureaus ) Last Verified : XX/XX/XXXX ( XXXX ) ; Not verified ( Experian and XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; XX/XX/XXXX ( XXXX ) Balance Owed : {$18000.00} ( XXXX ) ; {$17000.00} ( Experian and XXXX ) Payment History : XXXX and Experian : Incorrect 30-day late payment reported for XX/XX/XXXX. 
XXXX : Incorrect 30-day late payment reported for XX/XX/XXXX. 
Clear and Unjustified Errors Nonexistent late payments : My account has been current and without delinquencies. The reported late payments are false and entirely unsupported by facts. 
Inconsistent data : The dates of last activity and the balances owed vary across the bureaus, further proving negligence in ensuring accuracy. 
Failure to investigate : Per 15 U.S. Code 1681i, you are legally required to verify and correct disputed information, which has not been done. 
Legal Violations By failing to correct these inaccuracies, you are in direct violation of the following laws : FCRA ( 15 U.S. Code 1681i and 1681s-2 ) : It is illegal to report inaccurate information and fail to correct it after a dispute.

TILA ( 15 U.S. Code 1666b ) : Creditors are required to provide billing statements at least 21 days prior to the due date to ensure timely payments.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Your failure to act is unfairly penalizing me and harming my creditworthiness. 
Demanded Resolution I am demanding the following actions immediately : Removal of the false 30-day late payment notations for XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX and Experian ). 
Written confirmation that these corrections have been made and accurately reflected in my credit report. 
This is your final notice : if this matter is not resolved to my satisfaction within 15 business days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Pursue legal action for violations of my federally protected rights. 
Publicly document my experience on consumer advocacy platforms and social media to highlight your failure to comply with federal laws. 
Treat this letter as your last opportunity to resolve this matter amicably and avoid further escalation. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX recent widow, I applied for credit in the amount of $ XXXX. XXXX XXXX would not approve me, yet they have an account listed on my credit report that says it was still open, this should have been taken off after a bankruptcy in XXXX ( XXXX Yrs. ) ago. I have no credit cards, but pay cash for what I need. My credit reports lists me as excellent in paying on time ( I pay XXXX every month for a mortgage they say I don't have ), I have a paid receipt from the county for property taxes paid by ME on property that is valued at {$250000.00}. They say they will generally approve if you have a credit score of XXXX, my scores are XXXX. The XXXX bank say they will accept bankruptcy if is over XXXX years old, mine is XXXX years ( husband was on bankruptcy ). Debt to income should be over be under XXXX mine is under XXXX. I have paid a car lease and now buying care w/co-signer ' and have never been late on house payment nor the car lease or purchase. XXXX Bank ( also XXXX XXXX ) is the servicing bank for numerous lending institutions, when XXXX XXXX denied me credit they automatically rolled it over to all participating lenders which guaranteed me a no. Basically, I have assets over {$250000.00}, I have no outstanding credit cards, ( other than the XXXX XXXX XXXX didn't remove and is inactive ), Capital sent me a form letter that listed all their products, too many to count, that I was not entitled too. 

At XXXX XXXX XXXX there is no evidence that I will not live to repay my loan. If, unfortunately, can't pay for death or health reasons, I have a house in my name that can have a lein put on, My income is {$3300.00} a month. Other than normal living expenses my one and only obligation is the house {$780.00}. and car {$330.00}. The only thing I don't have control of is XXXX XXXX  XXXX, I am healthy, active and have all my facilities.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and seek assistance regarding an ongoing issue related to my credit report as maintained by XXXX and Experian that was disputed for years and was not removed nor was it fully verified. 

I believe that both of these credit reporting agencies have violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, by knowingly inaccurately reporting disputed account information and failing to correct it. 

They lied and said it meet FCRA standards when XXXX XXXX XXXX confirmed that there is no account for me. I have been dealing with this issue for years and these reporting companies continue to report errors on my credit report also there are several other errors on my credit report they still will not delete knowing there are reporting errors. They refuse to delete it and they keep sending me credit card offers in the mail. 

I am seeking a XXXX fine against each company and would like your help. Please see attached proof that account is not mine.