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

Per FCRA, as a federally protected consumer, I am now opting out of any or all authorization that I the consumer XXXX have given you written, non-written, verbal, and/or non-verbal per XXXX XXXX Code XXXX. 

" ( b ) Opt out ( XXXX ) In general A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Product: Money transfer, virtual currency, or money service

Hello, Thank you for taking the effort to help me. 

At XX/XX/XXXX I made a money withdrawal from my Coinbase account to my bankaccount in The XXXX. I did this before and after this date as well and never experienced any problem. 

But on the XXXX, something must have gone wrong because the money never arrived and is still pending. I contacted support at Coinbase, they say that the investigate the issue, but it 's already more then 10 business days and i 'm still waiting for my money. 

On the history page, the say it will be on my bankaccount the XX/XX/XXXXr, but it never did. 

When you XXXX 'coinbase support '' on the internet you 'll notice there are o lot of complains about money that 'stolen '' from people. A lot of issues have to do with the exact date of XX/XX/XXXX. For example on this XXXX page : http : XXXX It 's a decent amount for me : XXXX euros and more than 10 days is really annoying and I 'm beginning to worry if I 'm gone see this back. 

Hope you can help me to receive my SEPA withdrawal like it supposed to be. 

Thank you very much. 

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

I want this address removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, since I do not recognize this address and it may be fraudulent, therefore I want this address removed, I have been having this problem for a long time and no The credit agency solves it and I want them to solve it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following account and inquiries from my credit report. As a victim of a data breach, these entries are fraudulent and unauthorized. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed from my credit file promptly. 
Fraudulent Account : XXXX - XXXX - XX/XX/XXXX - {$2600.00} Fraudulent Inquiries : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting 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 and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm unsatisfied with your assertions and am disputing them due to the absence of any substantial evidence to substantiate your position... I urge you to contest this account! Otherwise, I will pursue legal action against you ... Let 's be crystal clear here : I am a victim of identity theft, and it's a gut-wrenching situation that nobody should have to go through. But instead of finding help and support from your bureau, I've encountered indifference and disrespect. These accounts are a result of ID-Theft and I expect you to remove this immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Debt collection

I had a car with credit acceptance in XXXX and they repossessed the car in XXXX while I was still making payments complaining about late fees that they attached to my regular payments. They have been trying to get {$7000.00} out of me and now they have garnished my wages and I have called XXXX and XXXX repeatedly to stop the garnishment and I would work out a settlement. They refused to do so.
Product: Credit card

On XX/XX/XXXX, XXXX XXXX stole money from me. XXXX chose the method for payment for the shoes. I do not know XXXX -- he is not a family or a friend. When payment was made for shoes using my credit card, it was done by a XXXX  ( a XXXX XXXX XXXX ). The XXXX did not chose the method of payment. XXXX XXXX sent him a link to make the payment for the 100 pairs of shoes. He can not try to hide the behind the payment method he chose for the shoes. 

This transaction is a fraud in the inducement : ( XXXX ) XXXX tricked a XXXX XXXX XXXX ( who can not legally enter into a contract ) into using a payment method for which he was not authorized and ( 2 ) XXXX never had an intention of sending shoes. 

I contacted American Express XX/XX/XXXX and they are rebilling me for the charges. I NEVER received the merchandise. AMerican Express should not make me pay for items not received. 

AMerican Express has become a co-conspirator in the fraud being perpetrated by XXXX XXXX.
Product: Mortgage

I was sent to a collection agency on XX/XX/XXXX for unpaid school taxes for XXXX. This occurred after receiving the tax bill on XX/XX/XXXX and forwarding it to Roundpoint mortgage ( my mortgage holder ), and a reminder on XX/XX/XXXX which also was forwarded to Roundpoint. The bill remained unpaid throughout. 

I contacted Roundpoint by phone after receiving the collection letter. This was the first of many calls that also included the school district for verification of the debt. The bill was finally paid by Roundpoint on XX/XX/XXXX. Unfortunately, as you will see from the supporting documentation, the amount paid inluded a {$420.00} penalty charge and a {$40.00} collection fee. I do not feel it is my responsibility to shoulder the fees as they were aware that taxes were to paid from my escrow account and they were aware of the bill for 14 months before it was paid. 
I would like the {$460.00} refunded to me and have asked as much from Roundpoint. Their stance is " there has been no error by Roundpoint in the servicing of your mortgage loan '' as evidenced in writing in an attached document.

Roundpoint 's service has been so sub-standard, and time-consuming for me, that we are in the process of refinancing with a different lender ( at a higher interest rate XXXX simply due to the fact that we do not want to do business with them.
Product: Money transfer, virtual currency, or money service

I was frauded out if {$3900.00}, paid for security deposit and 1st month rent via cashier check XXXX, Chase Bank. XXXX XXXX, via XXXX XXXX, XXXX XXXX XXXX XXXX Went to Chase Bank to report the fraud and no help was provided. Filed complaint with FTC and police report with XXXX Police Department. 

Individual represented himself as owner of rental property, requested cashier checks for payment, and never met to provide keys to rental property. Now, not answering phone nor returning text messages.
Product: Debt collection

XXXX XXXX XXXX of XXXX XXXX Ca charged me XXXX XXXX times ( Same item ) Called and reversed XXXX charge. On XXXX daughter XXXX XXXX XXXX, XXXX NY was charged also.This is for me and bought for me by family members I agreed to pay after second yr.Mailed proof to XXXX charges XXXX reversed as of XXXX. Someway Sears card ( CITY BANK ) got into this after I already had a reversal and charged me again on XXXX.Do n't know how sears got into this since I got a reversal of charges on XXXX. Rcd letter from Sears Credit services on same day that another charge was posted on my card. Owed a charge back. 
Charge card showed all transactions clearly. Do n't they ever proof read their bills, especially since I brought it to their attention. 
I wish that XXXX XXXX and Sears Crdit compensate me for this hilarious and confusing billing. Send a rebate for all charges, including original, refund my daughter fo billing her.Send a carton for shipping item back. At that point I will go elsewhere for an alert system. All charges amount to about XXXX ( Plus aggravation that never seems to end. )
Product: Credit reporting

After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1. XXXX ( over 7 years ) 2. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 3. XXXX ( i believe we first became late of 7 yrs ago ) 4. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 5. XXXX ( i was first late over 7 years ago ) ( very sure ) 6. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX, transunion and XXXX is reporting a bankruptcy on my credit report when the court said they do not report to the credit bureau. I asked the credit bureaus to remove it from my credit report and they validated that it was me but it was no way to validate it with the court which means it needs to be removed from my credit report. 

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 lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

I had created many PayPal accounts when I was hosting and registrant of XXXX XXXX XXXX since XX/XX/2004. I never received a single dollar from viewer of website and this has resulted in early death of my mother in poverty and my poverty. I am injured These are the emails XXXX XXXX XXXX XXXX XXXX XXXX I had connected to PayPal.com Yesterday I was clearly attacked a Paypal account linked to my email XXXX and linked to XXXX  account XXXX got deleted Someone has stolen the Visa debit atm I had linked to XXXX I setup in XXXX XXXX I need my domains and accounts back
Product: Debt collection

I was sued for a debt by A collector claiming to be the current creditor, we went to court, and the court concluded that I do not owe the debt. The court gave me paperwork to send to the XXXX credit reporting companies, XXXX deleted the account, XXXX and XXXX noted that I made A dispute, but LVNV funding claim that I still owe the amount, even with the court order. I have been denied loans and my credit score is affected by this, and this company LVNV funding will not give up. Please look in to this matter and see what can be done, Thank You
Product: Debt collection

I have previously filed a complaint against this company for refusing to return my calls and messages I left on their voicemail. They claimed in their response to the CFPB that they had no record of those calls and voicemails which is a lie. They provided an email address and a fax number for me to send documents to, which would be used help remove the debt that was placed on my credit report due to identity theft. I have sent a fax from my bank on XX/XX/2022. I was not aware until I attempted to send another fax today XX/XX/2022 from my bank and it came back that the fax number they gave me was not working, I attempted to send an email to the email address they provided and I got an email back that their server rejected it due to a setting they have. 
I was able to speak to a collections rep at Payliance on XX/XX/2022 and she was very rude. She antagonized my wife and I and made up lies. She claimed that Payliance received so many emails in the last week it crashed their server. I explained to her again it was a fax not an email. She told me they are processed in the order received. I told her this needs to be urgent as I would have sent the required documentation months ago had I received a call back when I left voicemails. She asked if I would hold while she called the supervisor of the dispute department which she claims is the department handling the accounts now. I responded yes and then immediately she said he just responded. I am completely unsure how she got a response from someone so fast that she claimed she needed to call when she never actually put me on hold or even had enough time to call someone. Either way she gave me the same response of all claims are handled in the order they are received. Before I got off the phone with the collections rep she told my wife and I that she prays that Payliance will resolve my issue soon. 
It has now been 20 days since my first fax, and 13 days since I talked to the collections rep and sent the email. They have continued to lie over and over. I need my issue resolved now.
Product: Checking or savings account

On XX/XX/2020 at XXXX {$500.00} was removed from my account by : XXXX XXXX XXXX XXXX XXXX VIA WEB XXXX WI ACH WEB I have no payment arrangements made with anyone nor did I owe anyone {$500.00} nor have I spent that specific amount. 

Key Bank denied my claim so now Im sitting here stuck wondering, who, why, how and How do I get my {$500.00} back?!
Product: Student loan

XXXX XXXX  assumed management of my XXXX XXXX   loans in May. Apparently, I selected " online billing '' as an option but selected against receiving email notifications. This was according to a conversation I had with a represented on Mon XX/XX/XXXX. I was past due by 2 months but had not received notification of this from XXXX XXXX or XXXX XXXX. I spoke to a representative XXXX XXXX ) on Thu XX/XX/XXXX and was told " all delinquent accounts are sent notifications by mail. '' I spoke to her supervisor ( XXXX ) and was told " delinquent notifications can be sent by email. '' I told them that there was clearly a process issue that would allow for online bill pay but not for any online notifications of delinquencies. I asked that the negative filing be waived from my credit report but I was told this couldn't be done without speaking to 'superiors. ' I was assured that I would be contacted the following morning ( Fri XX/XX/XXXX ) but I have yet to receive a call. My credit score before this mishap was XXXX, which indicates a long history of paying my bills consistently and on time. I believe the company has a fiduciary duty to ensure that the person holding the loan has been contacted and informed of pending actions before taking actions that can negatively impact their credit score. At NO TIME did I receive a written notification or telephone call. I believe that these actions constitute a breach of fiduciary duty, possible libel for aggressive pursuing this course of action when, in fact, a process issue created this problem, and potentially fraud because of the misinformation I was provided when I contacted the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit report and noticed that I had not only incorrect names and addresses listed but also 3 accounts listed that did not belong to me. These 3 accounts are in derogatory status. I had to file for ID theft in XX/XX/2000 and I believe these accounts may have been opened by the same people. Further, I also had 17 inquiries which do not belong to me. I am not responsible for the above referenced information.
Product: Credit reporting or other personal consumer reports

Equifax has refused to help me regain control of my credit. I have disputed several items on my report that are fraudulent. I am a victim of several data breaches, fraud and identity theft. Despite all my police reports, FTC reports and sworn affidavit, Equifax continues to stall with giving me a resolution to this serious issue I am facing.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 


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

a Federally protected consumer under title 15 chapter 41 ; Pursuant to subsections ( a ) and ( b ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent, I NEVER GAVE Transunion my written consent to report anything on my consumer report 15 U.S Code 6802 ( a ) and 15 U.S Code 6802 ( b ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k. A copy of the law is attached with this dispute letter. 

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

XXXX  ( Tracking # XXXX ) The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

XXXX ( XXXX # XXXX ) The item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

Transunion ( Tracking # XXXX ) The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX 

In my attached files are copies of the law.
Product: Vehicle loan or lease

Kia Motors Finance insisted on receiving the full insurance payoff amount from my insurance company. Kia Motors Finance received payment on XX/XX/XXXX to payoff the loan in full with an excess payment amount of {$5800.00} to be refunded to me. I contacted the company on XX/XX/XXXX and they stated to allow 16 days for the check to be mailed. After allowing more than the 16 days I contacted the company on XX/XX/XXXX. I spoke with one agent that stated to now allow 30 days for the check. I asked to speak with a manager and the manager stated nothing had been processed yet and to now allow for 45 days for a check " to begin to be processed ''.