23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 at XXXX, CDT, I attempted to retrieve my 3 credit reports via XXXX. I was able to successfully retrieve my report from XXXX. I received errors when requesting XXXX and Experian reports. 

Next, I spent 8.5 minutes using the telephone request system and It accepted the XXXX request but before it got to the Experian request, the system ended the call. 
I tried online again at XXXX XXXX and was finally able to receive my XXXX report but the system failed to process my request for the Experian report. Finally, I tried again to retrieve the Experian report at XXXX XXXX and I received the same error message as in the previous two online attempts : We're sorry. A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX  Request form. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX With the amount of mail theft occurring today, I can not imagine send my request ( with social security number ) or receiving my report by mail. 

Please investigate Experian 's inability to deliver credit reports via the online system at XXXX XXXX XXXX Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Credit inquires I RECEDNTLY RECIEVED NOTICE THAT I WAS A VICTIM OF A DATA BREACH. I am filing a complaint with the CFPB regarding unauthorized and potentially fraudulent credit inquires that lack proof of permissible purpose, as a mandated by the Fair Credit Reporting Act ( FCRA ). These inquires allegedly originated from the following Original Creditors # Summary of Inquires being challenged in list form DEPT OF ED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED  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 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

After having my XXXX credit card number stolen ( attempt to charge online fraudulently on XX/XX/XXXX ), I closed my account and received a new card number. On XX/XX/2016, I pulled my credit report and saw an incorrect ( fraudulent ) address listed and a XXXX credit inquiry filed on XX/XX/2016. I disputed the fraudulent address with Experian, placed a fraud alert on my credit file, and contacted XXXX that an account in my name but new address was fraudulent which they then denied. The incorrect/fraudulent address ( XXXX, XXXX OHIO XXXX ) is a homeless shelter called " The XXXX ''. I want to file a police report re : this fraud. I am now concerned about how much of my personal information has been compromised and am concerned about the extent of my identify theft and safety of my credit file.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the reporting of an account by Equifax Credit Bureau that is a direct violation of the Fair Credit Reporting Act ( FCRA ) as mandated by Congress. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any inaccuracies in my credit report. The case of *XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) established that consumers have the ability to challenge the legitimacy of debt accounts that are not accurately reported. In my situation, the charge-off listed on my report does not accurately represent my current obligations. 

Additionally, according to the Fair Credit Reporting Act ( FCRA ), information that is inaccurate, incomplete, or can not be verified must be removed from consumer reports. 

The account in question are : XXXX XXXX XXXX XXXX XXXX XXXX, account ending in XXXX The account is listed as charged off and in collections on my credit report, which In fact is inaccurate and misleading. 

According to 26 CFR 1.6050P-1, any applicable entity that discharges an indebtedness must file an information return on Form 1099-C with the Internal Revenue Service when certain criteria are met. Specifically, I have enclosed copies of Form 1099-C that were issued to me by the creditor, indicating that the debt associated with this account has been canceled or forgiven. Additionally for your review you will find a XXXX balance in the section titled : XXXX XXXX XXXX .The documents 1099c is the physical proof of my claim. 

The issuance of a Form 1099-C is considered XXXX XXXX evidence that the debt has been discharged by the creditor, as established in case law such as XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ) and XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX ( App. XXXX ) ). It would be inequitable to allow the creditor to then subsequently attempt to enforce the same debt after receiving the tax benefit of the " charge-off. '' This is illegal and reporting the status as such IS ERRONEOUS and misleading to its true status. 

Despite the issuance of the Form 1099-C, Equifax Credit Bureau continues to report this account as charged off, which is inaccurate and misleading. This reporting status is in direct violation of the FCRA, which mandates that credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as stated in 15 U.S. Code 1681e ( b ). 

I hereby request that Equifax Credit Bureau promptly update its records to reflect that this account has been paid in full and have a balance of {$0.00}, in accordance with the evidence provided by the Form 1099-C. Failure to do so would constitute a violation of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Money transfer, virtual currency, or money service

Deposited XXXX XXXX draft from XXXX at Citi Bank XXXX in XXXX. Received estimate of XXXX week for draft to be deposited into our account. To date we have not received funds and transaction not displayed in either online or mailed bank statements
Product: Student loan

AES ( American Education Services ) Year of disbursement 2007 Original balance XXXX Prior balance XXXX Current balance XXXX Rate 7.125 Monthly payment XXXX Total interest satisfied XXXX Total principal satified XXXX Any time help is offered it is a deferred interest plan with a higher interest rate. 
They say they can help you and you spend years paying nothing but high interest payments
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details : Account Name : XXXX  XXXX Account Number : XXXX High Balance : TransUnion XXXX {$660.00}, XXXX : {$660.00}, XXXX XXXX {$500.00} Date of Last Verified : TransUnion : XX/XX/XXXX Date of Last Activity : TransUnion : XX/XX/XXXX, XXXX : XX/XX/XXXX Date Reported : TransUnion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Date Opened : TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Late payments noted for XXXX ( 30 days late ) and XXXX ( 60 days late ) for XXXX Despite multiple requests for correction through disputes filed on XX/XX/XXXX and XX/XX/XXXX, the inaccurate information has not been corrected. This failure violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The presence of late payment notations that are demonstrably inaccurate violates this mandate. Additionally, creditors are obligated to send accurate information to the credit bureaus as outlined in 15 U.S. Code 1681s-2.

TILA Violations As per 15 U.S. Code 1666b, periodic statements must be provided at least 21 days before the payment due date. The inaccurate late payment reporting suggests that the creditor may have failed to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the need for creditors to send timely and accurate statements to prevent unfair penalties to consumers, which has not been adhered to in this case.

The continuous failure to address these inaccuracies has caused significant harm to my creditworthiness, affecting my ability to secure credit and financial opportunities.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction within 15 business days.

If this issue is not resolved promptly, I will escalate my complaint to include legal action and additional complaints with other relevant regulatory agencies.

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2021 XXXX5 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to file a formal complaint against Coinbase, which has unlawfully locked my account for over two years without any valid explanation. Despite contacting their customer service 20 times and providing all required documentation ( ID, bank statements and so on ), my requests to regain access to my account have been consistently denied. Coinbases customer service has been unresponsive and their compliance department lacks proper communication channels, further aggravating the issue. I urge the Bureau to take action as I have substantial funds locked in this account and need resolution. 
XX/XX/year>
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to debt bondage, which falls under trafficking according to trafficking-debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you remove and BLOCK this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. Please delete XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXXXXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan

I just received a call from XXXX XXXX starting I owe an outstanding balance of {$1400.00} from a payday taken from western sky back XX/XX/XXXX, I advised them I have been making payments to Delbert Services for a settlement that was agreed upon in regards to this loan. They told me the loan id is not the same and it XXXX be a different loan. XX/XX/XXXX I was advised this loan was sold to XXXX XXXX ID XXXX from Western Sky and I made two payments on XX/XX/XXXX cash call sent this to Delbert Services ID XXXX and they have been debiting my account for almost a year to satisfy a settlement reach with employer XXXX XXXX. Now XXXX XXXX also known as XXXX XXXX XXXX is trying to collect. Both Western Sky and Delbert services is gone out of business and I can not contact them due to legal issues and the supervisor at XXXX tells me they sold the loan to XXXX and I advised them apparently the wrong acct number was sold and they trying to collect on an incorrect balance.
Product: Credit reporting or other personal consumer reports

Experian is reporting 2 cooections reported by third party collection agency XXXX XXXX XXXX XXXX is reporting a collection acc XXXX. this collection is being reporting as a open account and a past due account both. Violations of the fair reporting act
Product: Mortgage

At the closing of my mortgage XX/XX/XXXX I asked the Chase Mortgage representative, what is loan to value percentage I need to remove PMI if the house appreciates in couple of years. At that time he respond 78 %. I called Chase on XX/XX/XXXX to ask for an application to get my house reappraised since the value has gone up and they told me that ratio is now 75 %. I told them that was not what I was told and wanted to file a complaint on the person who had miss informed me. After be transfer 3 times and but on hold for over an hour. I asked the person in the originators office ( at least that is where I was told I was transferred to last ) if they have persons name so I can file the complaint. They said they can not give me that information, I asked if I can have the branch in which is filed so I can lodge a complaint on how they where miss leading customers they said they can not give that to me. I asked why ca n't you not give me the branch info and they hung up. Tried calling back and when I got transferred to the originators office and start to explain what happen they hung up again!

Bottom line, when you are dealing with Chase mortgage department make sure they show you the numbers and not just tell you them. Especially when comes to PMI because that information about how to get out of paying the PMI insurance is buried in the paper work and does not match what they say.
Product: Credit reporting or other personal consumer reports

I am asking for your help with the inaccurate account currently reflected on my credit report. This matter has caused damage to my reputation, and I need your cooperation to resolve it. Due to these reporting errors, my reputation has suffered, and the mistakes must be addressed so I can live peacefully with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am trying to dispute these inquiries on my report for a while now and I haven't been able to get them removed. It also shows I have a bankruptcy dismissed and that is not correct. It has been discharged about XXXX  years ago. I need to have these removed according to the Fair Credit Reporting Act, which is unverified and unauthorized. 

The following companies are the ones that I would like removed : 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 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 The dispute above is for the inquiries and the one below is for the XXXX 

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

I completed and returned their Dispute Request Form to Equifax, and it was received by their employee, XXXX XXXX, on XX/XX/XXXX. ( See certified mail receipt included as supporting documentation. ) The 30-day deadline to investigate my disputes is no later than XX/XX/XXXX. As of XX/XX/XXXX, the form I submitted is not logged on the dispute page of my online consumer credit report at myEquifax.com by the date of its receipt. ( See screen prints of dispute pages one and two included as supporting documentation. ) Additionally, since submitting the Dispute Request Form in XXXX, ADDITIONAL errors have appeared on my Equifax consumer report. An account is now being reported in duplicate. ( See supporting documentation illustrating duplicate account. ) Equifax has made of mockery of my consumer credit report and I want the following errors corrected no later than the 30-day deadline mandated in the Fair Credit Reporting Act ( the FCRA ), 15 U.S. Code 1681i : 1. XXXX XXXX XXXX XXXX Remove the 60-day late showing in XX/XX/XXXX. 
2. XXXX XXXX There are now two accounts listed. Both accounts show as open with {$1800.00} balances and 379 % and 79 % credit utilization. In actuality, one account is closed with a {$0.00} balance. The other is an open account with a {$0.00} balance and a high credit limit of {$2400.00}. When the dispute was submitted last month only XXXX XXXX XXXX account appeared on my credit report. I have not opened a second account. 
XXXX. XXXX XXXX XXXX Remove this collection account. 
I attached accompanying evidence to the dispute form submitted in XXXX and have provided no additional, relevant information that would permit the investigation of my disputes to extend beyond the 30-days permitted by law. 

Equifax reports blatantly inaccurate data on my consumer report. After filing their dispute form and speaking with various Equifax personnel, I believe that the credit bureau is negligent in its responsibilities under the FCRA to provide trained personnel to explain to the consumer any information furnished I also believe that the damage to my reputation is intentional and as such, I will be seeking all remedies available.
Product: Debt collection

National Credit Systems, amount of {$7100.00}. Once again National Credit Systems has not responded to my debt validation that was sent to them also they have reported this account to all three of my credit reporting agency which is a violation of the FDCPA, FCRA and possible Fraud
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. XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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: Checking or savings account

On XXXX XXXX, I was hired to be a consultant for XXXXXXXX XXXX XXXXXXXX and XXXX XXXX, XXXX known as client. The client paid {$10000.00} upfront using the PayPal EFT platform. Halfway through the 10-week consultation, the client ceased use of my services and disputed his payment with PayPal. The client and I agreed to prorate a refund for {$4900.00}. The money was refunded to the client via PayPal. PayPal was advised of the settlement amount and supplied documentation of a mutual agreement between all parties involved. PayPal had supplied 26 documents from both the client and myself that the dispute had been mutually agreed on between myself and the client. Nevertheless, without warning, PayPal placed a hold for {$5000.00} paralyzing my checking account. More than an inconvenience, the hold has obstructed my ability to pay bills, receive incoming payments, and disabled the ability to pay employees. I spoke with two supervisors and countless representatives at PayPal, none of whom had any idea of a timeline for the {$5000.00} to be released back into my account. Moreover, and more recently {$2200.00} was paid to me via PayPal from an unassociated client which PayPal has taken due the account status. PayPals lackadaisical and unproductive information has obstructed monies owed to me totaling {$7200.00}, causing an irreversible and undue hardship. I am unable to pay vendors and employees currently. I am using credit cards to pay bills and will need to borrow money for XXXX rent. 
As I write to my elected officials, it is my hope, that PayPal the bureau continues to investigate and realize just how much power companies like PayPal have in consumers. My experience clearly shows a corporation acting as judge and jury without the capacity to do so. It is my hope the CFPB recognizes the power of newness in XXXX, and the bad actors exploiting these vulnerabilities.
Product: Checking or savings account

Have had an account with Wells Fargo for 9 years and have been charged an excessive amount of overdraft fees.
Product: Checking or savings account

On XX/XX/2022, I received a 1099-INT from The XXXX Bank XXXX reporting interest for an account that I did not open. I have never had an account with Chime or XXXX Bank. 
On XX/XX/2022, I called XXXX and was told that this was a Chime account and that they could not help me. I call Chime on XX/XX/2022 and was told that I need to send them an email about the fraud which I did on XX/XX/XXXX and XX/XX/2022 and have not received a response. 
I called IRS on XX/XX/2022 and have a filed an identity theft report with them. 
Apparently Chime/XXXX Bank allowed someone to open an account in my name with my social security number without verification of identity. I am having a difficult time trying to get either Chime or XXXX to allow me to speak with someone in fraud department to close this account and issue a corrected form 1099-INT reporting zero interest.