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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

On XX/XX/2021 I was scammed by a fraudster to the tune of {$1900.00}. I sent money to them through XXXX XXXX/XXXX. As soon as I got off the phone I realized I had been scammed and called Chase in an attempt to try to stop the transfer or to get the money back. Chase refused to do anything, including going back to the other bank in an attempt to recover the funds. I understand that those attempts are not a guarantee, however, since the transfer had literally just gone out there would have been a chance. It was very frustrating that no one would help.
Product: Checking or savings account

XX/XX/year> : I went through the self-checkout aisle at an XXXX in XXXX XXXX . I scanned the item and ran my card through the debit machine. The display then froze, so I hit " cancel '' and moved on to a different self-checkout register. ( I was in a rush and probably should've grabbed an employee to verify that the transaction was, in fact, canceled. ) According to XXXX security, my card was still active on the first register and so it ended up paying for the next person in line 's order ( {$72.00} ). I saw the transaction notification on my phone and immediately went back to XXXX attempting to resolve it. ( They told me to call a customer service number. I called the number, XXXX confirmed the details with security, and the refund was approved that day, XX/XX/XXXX. ) XX/XX/year> : I have yet to receive the refund on my card, so I contacted XXXX again on XXXX XXXX. They confirmed that the refund was submitted on XXXX XXXX and the funds cleared on XXXX XXXX. They provided a transaction confirmation number ( I can send if requested ). 

I then called Coinbase today ( XXXX XXXX ) and they claim to have not yet received a refund request from XXXX. They suggested I call XXXX once again. So I called XXXX to confirm for a second time and they said " yes, the refund was sent and the funds have cleared. '' They said Coinbase has the funds. 

So I then called Coinbase a second time and was able to speak to a supervisor who told me that : A. they do not have the funds, B. they would not contact XXXX to help me settle the dispute ( the supervisor said " the dispute is between you and the merchant, not us, '' and C. they refused to submit an appeal/chargeback because, according to Coinbase, XXXX agreed to refund the payment so it's up to me to settle the dispute. 

Neither XXXX nor Coinbase will help me resolve this. In my opinion, XXXX did send the refund to Coinbase but Coinbase is simply refusing to make the funds available to me. Coinbase has a poor reputation despite its mainstream popularity. Even though XXXX isn't doing much to help me, they do have a fantastic reputation as a company and I find it nearly impossible to believe that the issue is on their end. 

If you check online, there are loads and loads of complaints, within the last year alone, of Coinbase refusing to make refunds from debit card purchases available to customers ( either holding the funds or outright denying them ). These Coinbase debit card payment are made using cryptocurrency, a volatile asset, therefore Coinbase may potentially lose money on debit card refunds if the price of a coin drops in value.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX, Consumer. I currently reside at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am writing this because I, XXXX XXXX XXXX Consumer, did not give AFFIRM, INCXXXX, XXXX XXXX Doing Business As Chief Executive Officer, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Doing Business As Chief Executive Officer, or XXXX XXXX Doing Business As Chief Financial Officer of XXXX XXXX XXXX XXXX XXXX, written instructions or consent to communicate with XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''. Nor did I give WRITTEN INSTRUCTIONS to transfer, furnish or obtain my nonpublic personal information. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. This information is true and correct to the best of my knowledge.
Product: Debt collection

XXXX XXXX XXXXXXXX Last reported XX/XX/2019 {$2200.00} Open balance XXXX XXXX XXXX PORTFOLIO RECOVERY Last reported XX/XX/2019 {$1200.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2019 {$490.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2019 {$380.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$290.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2019 {$140.00} Open balance XXXX XXXX XXXX Original creditor
Product: Credit reporting or other personal consumer reports

Agents claimed that the only investigation is done by the original credit reporting agency? XXXX XXXX XXXX XXXX XXXX  XXXX Not by Experian nor Transunion? Although FCRA says both are responsible.
Product: Student loan

I already sent a complaint on XX/XX/23, but the response I got was not right. The university that was stated in the response was wrong. The correct school is XXXX XXXX XXXX not XXXX XXXX. I stated I received a letter that explained how I was ineligible for the loan and there is no record of it at XXXX XXXX XXXX. I never received a single XXXX. Also, I had to have a co-sign when I tried applying for this loan. Somehow none of this is on the co-signers record? How is that possible? Please take me off this loan, I NEVER RECEIVED IT. THANK YOU.
Product: Payday loan, title loan, personal loan, or advance loan

Applied for personal loan with American Express on XXXX to consolidate some credit card debt. Terms {$5000.00} for 36 months, minimum payment is {$180.00} per month, first payment due on XXXX. I set up payments from my bank account for {$100.00} on XX/XX/XXXX and XX/XX/XXXX totaling {$200.00} which should arrive before the monthly due date of the XXXX. First payment of {$100.00} was delivered XXXX, second payment of {$100.00} delivered XXXX, totaling {$200.00} paid before the due date of XX/XX/XXXX. When I checked my XXXX statement there was a {$39.00} late fee. Contacted customer service via chat on XX/XX/31 and spoke to someone named XXXX who claimed they were going to waive the fee. Made an additional payment of {$80.00} on XX/XX/31 to bring account to current, and made normal payments of {$100.00} payments on the XX/XX/XXXX and XXXX. Checked my XXXX statement and there was another {$39.00} late fee. Attempted to contact customer service again on XX/XX/XXXX but department was closed on the weekend. As of todays date XXXX the first {$39.00} fee has not been refunded.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX FIFTH THIRD BANK charged me 4 payments of {$19.00}, {$370.00}, {$390.00} and {$390.00} totaling out to {$1100.00}. On that day I had an automatic payment scheduled, but was called from representatives from the bank saying I had not made my payment. So I then manually putting one in through the app, but then later in the day I received more calls and was told I hadnt made a payment or they didnt work. I confidently thought I had, but the representative assured me there were none pending and no way there were any other payments going to come through. So after he heavily insisted I make a payment through the phone call I did, thinking the app was broken that Id made the previous payments on. Then in the following the days I noticed the four payments draft from the bank account equalling almost {$1200.00}. This scared me very much the amount was larger larger than even my mortgage payment and not only drained my bank account but left it negative. I spent almost two hours on customer support was hung up on five times, transferred around and ended up with no one that could help. That money was not something I had extra of, Im a XXXX XXXX XXXX single father with a XXXX year old daughter and have a very tight budget and not only did this cost me overdraft fees from routine bills to my bank, I also now can now pay my og & XXXX XXXX  and have a shutoff notice now and then the rest of the utilities will follow short behind that. That {$1100.00} they took and refused to work with me to get it back was all the money I had and all the money I had for food and essentials for another two weeks. This has left me crushed and really hope yall can help me find a solution and for others in the future, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  On or about XXXX of 2022 I found on my credit a charge card from XXXX XXXX  Of department store through XXXX XXXX. I called and they told me it was opened by my ex-wife. I told them it was not my debt, nor would I pay it. I filled in a police report and an affidavit with FTC. I have opened investigations with the three major credit bureaus as well as XXXX XXXX, XXXX, XXXX XXXX, and XXXX. They all Sent letters and refused to take the debt off my report, causing me great harm and loss. I have sent numerous registered mail services to address this issue including copies of my drivers license, copies of the police reports and the affidavits, as well as all other associated documentation. The reason for their refusal to remove the inaccurate credit listing is that the lender verified the debt. I have sent more than one letter of registered mail to the lender with no answer nor the removal of any inaccurate information.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries/Opened lines of credit/credit cards that I do not recognize and did not authorize anyone to pull my credit report or use my credit. 
Attached are my proof of address, social security card and my passport The inquiries, lines of credit and credit cards made by the below listed companies : Please remove Late Payment as this is incorrect and being used fraudulently XXXX : XXXX XXXX XXXX  Please remove Late Payment as this is incorrect information and is being used fraudulently Transunion : XXXX Please remove theses fraudulently addresses on le : XXXX XXXX XXXX, XXXX, FLORIDA, XXXX, UNDEFINED XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX Please remove Late Payment as this is incorrect information XXXX : XXXX XXXX XXXX  Please remove unauthorized inquiries XXXX : XXXX XXXX XXXX XXXX Please remoce unauthorized inquiries Transunion : 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: Vehicle loan or lease

I bought I bike from hardly Davidson it was used I put down XXXX it was supposed to drop down the price the tag price was XXXX. After all collation it went up to XXXX with the XXXX down should have been XXXX. But Im paying so much in interest and the bike was XXXX model. Every month I pay so much toward the interest not the principal. I called and complain to the company but no action. That information wasnt giving to me when I bought the bike. But no action. At this point I paid over XXXX but the bike price didnt drop at all so far over XXXX in total and the interest is so high please help Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have supplied Experian Credit Reporting copies of my identity. including government issued photo identification, social security card and a copy pf my police report. Additionally, a copy of my FTC fraud report. My request has been for Experian to complete a thorough investigation from " XXXX XXXX. In which, is a fraudulent account reporting into my credit profile. I have asked XXXX  to investigate for validation method not Verification. Experian has accepted a bill from XXXX XXXX rather then validation of my identity. Considering, I am a victim of identity theft, I have requested for XXXX XXXX to supply myself as well as Experian copies of my social security card, contract signed by myself, photo ID. XXXX XXXX has only submitted a billing statement. Experian continues to report fraudulent, incorrect activity into my credit profile. I would like for further investigation to be completed.
Product: Debt collection

I am a regular user of the GA XXXX XXXX XXXX lanes on the XXXX XXXX XXXX I have XXXXXXXX XXXX  transponder # XXXX permanently affixed to my car 's dashboard ( Plate XXXX ) and use it regularly. 

On XX/XX/2021, A highway RFID sensor failed to read my XXXX XXXX transponder. A toll violation was created in error, and the debt alleged by PAM is provably invalid. 

Professional Account Management has bought the debt for this alleged violation from the Georgia State Road and XXXX XXXX. I sent PAM certified mail ( USPS XXXX XXXX XXXX with evidence that the transponder was installed and active during the days surrounding the alleged incident and the debt was invalid.

PAM rejected the certified mail in an act of willful blindness. They have been unresponsive to attempts to communicate over the phone during regular business hours. 

PAM is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) Using deceptive methods to collect debts U.S.C. Title 15, 1692-1692p. It is also in clear violation of the Georgia Fair Business Practices Act O.C.G.A. 10-1-390 to 10-1-406, which prohibits firms from engaging in unfair or deceptive acts or practices in the collection of consumer debts. 

Attached to this complaint is a transaction report document showing that transponder XXXX  XXXX was installed and active during the days surrounding the alleged violation. There is also a document showing that USPS certified mail # XXXX was rejected by PAM, in an act of willful blindness not compliant with consumer protection laws. 

The attached pictures prove that XXXX XXXX transponder # XXXX is permanently affixed to the car with GA plate XXXX. The attached transaction report shows that this transponder was active and used with the GA XXXX XXXX on dates surrounding the alleged violation.
Product: Mortgage

I had a streamline refi on XX/XX/2019 for my mortgage with Freedom Mortgage. XXXX XXXX, from XXXX  XXXX came to my house & we signed the paperwork. I was told NOT to pay XXXX 's mortgage, but give them $ XXXX, at time of settlement for the new loan. The loan was supposed to disperse on XX/XX/2019 and to date, XX/XX/2019, the title company has not received the dispersement. 
# 1. My mortgage is now past the 15day grace period. 
# 2. When I spoke to XXXX /Freedom Mortgage on XX/XX/2019 he said that it should go out on the XXXX wire, or the next day on the XXXX wire. I called him Friday to find out what is going on, but haven't heard back from him & I feel he is obviously giving me the run around and has no intention of following through with my loan. 

This all started back in XX/XX/2019 when I electronically signed refi paperwork. The loan amt was {$210.00}, int. rate 3.625 %, monthly principal & Interest {$1000.00}. with Mortgage Ins. of {$130.00} p/month and estimated escrow of {$230.00} p/month, the new Estimated Monthly Payment would be {$1300.00}. Which they never honored.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST 4 XXXX ), Consumer Date of Birth : ( Private DOB XX/XX/year> ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of an Auto loan account and several inquiries. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

eliminate fraudulent inquiries that are on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 checked my credit report and seen that there were discrepancies, and the incorrect address is XXXX XXXX XXXX XXXX, Ga XXXX. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Product: Debt collection

Rpm services appeared on my credit report XX/XX/2019. I contacted the hospital and paid this debt, but the collection is still on my report.
Product: Credit reporting or other personal consumer reports

On XXXX separate occasions, I sent proof of incorrect information to Experian and requested that they remove/ update the incorrect information. The first time was approximately XX/XX/XXXX and the second on approximately XX/XX/XXXX. In both cases they did NOT update or even honor my request, even though by law, they must. Here is the reponse I received by them, via email, on XX/XX/XXXX and then again on XX/XX/XXXX : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. '' This is clearly an attempt to thwart my efforts and is not proper. Please let me know the legal remedies I have against Experian. 

Thank you, XXXX XXXX
Product: Debt collection

Check my credit report XX/XX/2019 I see first financial investment for collection I owe I dont company never got an phone or letter in mail just shows up on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received an alleged debt collection notice from XXXX XXXX XXXX XXXX XXXX. I have requested a validation of debt on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and have yet to receive a response. in addition, the XXXX XXXX XXXX are claiming to have received a response but have failed to provide their method of verification. This has been detrimental to my credit report and score. I need to resolve this matter as soon as possible as this hindering my opportunity to secure reputable employment.
Product: Debt collection

My debts were discharged in Chapter XXXX Bankruptcy XX/XX/2018 case # XXXX. These company 's were notified and chose not to contest the judges decision, I have reached out to the companies and provided supporting documents which I will provide again with this complaint