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 TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by 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 Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a late payment. 
Misapplication of Funds : There was an error in how my payment was processed, resulting in an incorrect report of a late payment. The payment was sent and processed on time but was not correctly applied to my account by XXXX. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payment was made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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
Product: Money transfer, virtual currency, or money service

hi, This complain is against COINBASE.COM, a currency exchange. 

I have opened the account in XXXX and deposited money to purchase digital assets. Since then I was only able to use just a couple of time it's locked most of the time with a message ACCOUNT UNDER REVIEW. I have a few XXXX worth of asset in the account and it does not allow me to withdraw, sell or let me perform any other transactions. It's been a few months now and I need my fund back. 
I have opened several support tickets but support tickets are closed without unlocking my account as if they are programmed to close the ticket in a week or so. 

I have list of about XXXX to XXXX tickets unresolved and still have XXXX active. 

Being in US this is the first company I have dealt with where there is no Human live customer support. 

I am frustrated and need attention asap thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX ( XXXX ) Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
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. 

XXXXXXXX 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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

Remove the account from my credit report, they are fraudulent accounts
Product: Consumer Loan

Applied for an installment loan to purchase a new XXXX and was denied because I 've filed for bankruptcy 3-1/2 years ago. 
I 'm NOT able to file for another bankruptcy until 2020, so where is the risk on a 2 year loan..? 
I 'm sick and tired of being treated like a criminal or delinquent. 
The bankruptcy law is there for those like myself that due to an economic downturn ( for which we were NOT responsible ) did fall behind on our dues. 
There are individuals, using corporations, that make a living ( and fortunes ) using the same law. 
My credit score is now up to almost XXXX points. 
Is this a case of blatant discrimination..?? 
Financial institutions like Citizens One do not deserve to be part of our community.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I was informed that multiple banks had accounts under my name located in XXXX XXXX XXXX XXXX XXXX ID was associated with massive fraud. XXXX XXXX XXXX XXXX has violated FCRA 681.1 Duties regarding the detection, prevention, and mitigation of identity theft. 
Unknown email address associated with account. I had no access to the accounts but my name was associated with it along with state Identification. 
I informed XXXX XXXX XXXX XXXX of someone having my information. They stated that the account was closed and it was not reporting against me. The account status is closed with negative balance and reported under my XXXX and Early Warning. Account does not have my social security number.
Product: Checking or savings account

I went to the bank with my father and he endorsed a life insurance check to me at JP Chase and Morgan Bank. From the death of my loved one. While I was XXXX my father had to handle my affairs which the life insurance signed a check to him. In the bank we provided two forms of identification, following call the next day with a mobile verification after the check cleared, I went into a JP Morgan branch, and tried to withdraw some money from the account they denied me access to the account and told me that my account was restricted, even though I gave them proper forms of identification along with my bank account number. They told me to call the fraud department, even though there was nothing wrong with the check my father endorsed to check over to me. Ive played phone tag with them for three weeks and they are giving me runaround answers about why they are not letting me have access to my money. Which is now delaying my payments, and making me late on bills that I didnt intend to inquire. I have no way of paying these bills and its severely putting me in debt. I told them I was going file a lawsuit about the way they discriminated against me, let alone withholding my money. To which their response was theres nothing we can do and do whatever you have to. In return, they close my account without my acknowledgment, and suspended my funds. Due to a verification system that is faulty and not using the two forms of identification process that we did inside the bank with the manager. We have been pressing the issue, and nothing is still being done. Nobody is doing their job, in order to resolve the issue.
Product: Vehicle loan or lease

To Whom it May Concern : I am writing a complaint in regards to an outstanding balance I owe to BMO Harris Bank for a XXXX XXXX XXXX that is affecting my credit score. I am writing because I feel as if I was treated unfairly. I was going through a divorce at this time and I owned a XXXX XXXX XXXX, loan through a different bank, and my husband at the time owned ( loan was in my name ) a XXXX XXXX. When we separated I was left with the two cars and was not able to pay for both so I need to get rid of one. I went to XXXX XXXX, where I had bought my first car, to see if they would help. At this time, I had no idea what I was going to do with 2 car loans. When I arrive at XXXX they had told me I could trade in both my vehicles, both had depreciated value, and get a new car. Once this was in place I bought a XXXX XXXX XXXX. Going through the process of the loan, the car was worth around {$24000.00} but with both my bad equity from the two cars I already owned I ended up getting a loan for {$35000.00}. My car payments turned out to be around $ XXXXmonth for 7 years, which is very high. I said ok due to knowing I had to get rid of one car and being in a very emotional a distressed state of mind due to the divorce and worries of the payments I would have to make for 2 cars. I have made the payments for about 2 years and at that point was going through a transition with jobs due to the company going out of business so I returned the car back to BMO Harris. Once BMO Harris took the car they were to auction off the car, I received a letter stating the car was sold for around {$12000.00}. This still didnt cover what I owed to BMO. I still owe BMO Harris Bank {$17000.00}! I dont understand after making payments for so long that I would not even make a dent in my loan. I do not feel I should have received this loan in the first place knowing that it was too high of payments and income but that it was well over the value of the car its self. This is on my credit as a delinquent payment and is putting a hold on my future of buying a house. This has affected me with being able to be approved on even an apartment due to the bad credit. I dont feel I was treated fairly and was taken advantage of by being in a vulnerable state of mind, being very young and naive. I have requested from the bank to receive the loan agreement, payment history, and the auction amount but was denied this information. What I would like to see in the end if we could settle a balance on the car that is manageable to pay off that would make sense for all payments I have made or possibly forgiving the loan. I would like to buy a house in the near future but this has put a hold on things. Not only has this been a problem to get a house but this has been a problem everywhere. I would like to settle things to see my future in a better place. Sincerely,
Product: Debt collection

I am writing to formally express my concern regarding the continued harassment I have experienced through repeated phone calls and emails demanding payment from the tbom/continental fit card, despite my explicit request to cease such communication. This persistent contact, particularly after I asked not to be called or emailed, has caused significant distress and frustration. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692d and 15 U.S.C. 1692f, it is unlawful for debt collectors to engage in harassment or use unfair means to collect a debt. Additionally, 15 U.S.C. 1692c ( c ) clearly states that if a consumer requests in writing that communication cease, the collector must comply. By disregarding my request, your actions have violated my rights under this federal law.I ask that you immediately cease all communication regarding this matter, and I expect confirmation that no further harassment will occur. Additionally, I would appreciate it if this matter could be addressed fairly and without further violation of my consumer rights. 

Thank you for your prompt attention to this issue. 

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

I Have no knowledge of this account, XXXX XXXX XXXX # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! 

According to 15 US Code 681s-2, 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: Checking or savings account

Ive had navy federal since 2016 and have had many overdraft issues
Product: Vehicle loan or lease

I have been unable to work and receiving unemployment through no fault of my own during this Globel Pandemic COVID-19 Disaster emergency like all other consumers struggling right now while we watch all of our leaders that work for us that are supposed to be helping us during this time by providing Federal Stimulus Emergency Funding but are too consumed with filing lawsuits at the moment since ever since they came back from their month long vacations that we pay for. While america cars get repossessed and house get repossessed by Financial Institutions like CARMAX We do have CARES ACT Policy supposed to protect consumers against car loan financial institutions like CARMAX Who cowardly came and stole my vehicle from me and my children in the middle of the night like thieves, no waring, no emails only unnecessary harassing daily phone calls by nasty customer service agents that you just gave them a payment 2 weeks ago. I have been paying what I can from my small unemployment check I am supposed to be feeding my kids with. It's not like they have not received any Payments at all in 3 months? How is this legal and allowed to take place during this Pandemic? Consumer Financial Protection Bureau and the Care Act Laws and policy in place during COVID-19 to receive credit reporting protection and repossession protection for consumers against this poor treatment from these greedy Car Financial institutions like CARMAX who has been forced to close half of their car dealerships and are filing for bankruptcy. They are Closed to speak with consumers on Sundays so we could not speak with anyone for after our hours emergency situations and could not get any answers from calling an actually CARMAX Dealership, We were just told sorry we can't help you call back tomorrow. This felt like we're operating in a third world country not in this century. Honestly, I was so blindsided by this whole thing because of their agreement to work with me during this difficult time, so my children and I were unable to drive to get any essentials all day on Sunday XX/XX/XXXXXXXX before XXXX Holiday. My vehicle is full of very important paperwork and information that I need in my possession ASAP. My family and I have been so upset all day and can not believe we have been treated like this by CARMAX During this difficult time COVID-19. The Consumers have rights and Protection Required by the Care Act Amendments Policy in Place to the FCRA The vehicle information is XXXX XXXX XXXX XXXX VIN # XXXX five year old car Retail value for five year old car not much value needs repairs
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} EQUIFAX XXXX {$350.00} XXXX  XXXX {$840.00} XXXX XXXX XXXX XXXX {$670.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$0.00} XXXX   XXXX {$940.00} XXXX XXXX {$490.00} XXXX AR XXXX {$480.00} XXXX XXXX XXXX {$500.00} XXXX  XXXX {$610.00} XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX  XXXX XXXX  XXXX {$24000.00} CHAPTER XXXX BANKRUPTCY {$0.00}
Product: Debt collection

XXXX  OUTSOURCING FORWARDED A NOTICE ADVISING THEY ARE ATTEMPTING TO COLLECT A DEBT THAT HAS NOT BEEN VALIDATED. UPON THE INITIAL REQUEST, I INQUIRED ON THE VALIDITY OF THE DEBT. XXXX  THEN FORWARDED THE ATTACHED, WITH A DIFFERENT AMOUNT, DIFFERENT DATES, AND DIFFERENT LENDER. IT DOES NOT REFLECT WHAT IS CURRENTLY SHOWING ON THE XXXX CREDIT REPORT AND IS INACCURATE.
Product: Credit reporting

my credit report is freezing i did ask XXXX located at XXXX XXXX, XXXX, ga XXXX but this agency charge my credit card and not unlock my credit. 
please help me to lift a freeze on my credit thank you
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a personal loan with PNC Bank on XX/XX/XXXX form {$4500.00}, where I signed a consent form to have {$130.00} automatically deducted from my bank account on the XXXX of every month beginning on XX/XX/XXXX. There was supposed to be a 1 % decrease in my interest rate for having the automatic deduction, which has not occurred. The loan matured on XX/XX/XXXX. I received a slip of paper in the mail advising that my final payment was {$270.00}, stating that this would take the place of my automatic deduction. I contacted the bank and was transferred several times before reaching the loan dept. I was advised that my loan was past due and that's why the final payment was so large. The representative stated that there was payments missed in XXXX and XXXX of XXXX. I ask how was that possible when I have automatic deductions and my direct deposit from my employer never stopped coming into this account, and every other payment has been deducted with no issues and I was also notadvised that the past due amount was made current on XXXX could not explain what happened and transferred me to collections, collections advised me that my account was not past due and she could not see any missed payments. The XXXX in collections filed a complaint and I received a call from an escalations Rep for PNC bank, could not explain anything to me and kept telling me that he would get back to me with my concern. I had XXXX from the local branch call to offer other services and I advise him of the issue and he advised that he could get the late fees removed, to only discover that he couldn't have anything removed from the account, due to the loan dept involvement and the loan advised him to have me write in with my dispute, my local branch composed a letter on XX/XX/XXXX, which they also mailed on my behalf, since them I have had another Rep from the escalations office call me trying to bully me into making the final payment, now PNC bank has added an additional late fee and the balance is now approaching the 30 day past due XXXX and on XX/XX/XXXX, I had a person from PNC bank contact me about the outstanding balance. During this time period, I have been told that I must have called in to skip a payment, which is not true, in order to miss a payment the request has to be submitted in writing and a late fee would not have been accessed, I have been told that I lost my job, which is not true I have been employed with the same employer for over XXXX. As of today the % XXXX for having the automatic deductions has not been applied, the late fees have not been removed as promised and the interest is still accruing.
Product: Money transfer, virtual currency, or money service

Ive been using Zelle for transactions, but sometimes my payments dont go through. Its inconsistent, and I havent been able to figure out why certain transactions fail while others work. This has been frustrating because it disrupts my ability to make payments when I need to. Ive reached out to my bank/Zelle for help, but I havent received a clear explanation or resolution for why this is happening.
Product: Checking or savings account

On XX/XX/XXXX I opened a Certificate of Deposit with Brio Direct ( powered by Sterling National Bank ) online. Luckily I printed off documentation from that transaction ( see pages 1-5 ) because I never received ANY OTHER correspondence via mail from this company again until XXXX ( see attached pages 6-7 ) which is a notification that this bank has changed hands. I did not sign up for an online account therefore I did NOT choose to go " paperless ''. 

Per XXXX, a month prior to my CD maturing, I should have received a notice - apparently giving me 7 days to withdraw my funds without a penalty- I did not. Nor did I receive a 1099-INT statement from this company in XXXX- as she stated that it was sent XX/XX/XXXX. 

The representative, XXXX, whom I spoke to @ XXXX and who also called me back from XXXX was unwilling to assist me in getting the {$22.00} fee ( as of today ) waived. Her claims are that if they have not received mail returned from my address that I must have received these documents. I've requested that dated copies of both the maturity letter and the 1099-INT be emailed to me at XXXX and nothing has been received. I also requested that this issue be escalated and set a time at XXXX CST on XXXX for a return call from a supervisor above XXXX and no return call was received. 

XXXX was condescending and uncaring, insisting she IS a supervisor, yet unable to do anything to assist me. Even after I told her I would like to escalate this issue, she continued to request that I give her permission to go ahead and close this account - of course minus the {$22.00} penalty fee. I declined her insistence, knowing that if I close this account- it will be a further battle to get this fee refunded.
Product: Credit reporting or other personal consumer reports

I did not give handwriting consent, or verbal consent for these things to be reported on my consumer report. I am asking for these things to be taking off my consumer report in the next XXXX days as this is illegal to report these things on my consumer report.