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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX  XXXX ACCT XXXX BALANCE OWED XXXX XXXX  XXXX im writing because I found a paid auto that being reported on my credit and it wasnt mines I filed a report with the ftc report XXXX stating this paid auto account is not mines, AND REQUEST U TAKE THIS PAID AUTO OFF OF MY CREDIT .IF U CHOSE TO NOT REMOVE THIS ACCOUNT ILL BE FORCE TO HIRE AN ATTORNEY TO FIGHT MY CASE IN ARBITRATION. MY REQUEST IS YOU REMOVE THIS PAID ACCOUNT FROM MY CREDIT. OR PLEASE SEND ME EVERTHING YOU HAVE SHOWING THAT I PAID OFF THIS CAR.PROOF OF ALL PAYMENTS, PROOF OF MY ID AND ALL CONTRACTS PERTAINING TO THIS PAID AUTO. 















XXXX XXXX XXXX  XXXX EMAIL XXXX XXXX
Product: Credit card

I attempted to make my first payment on my American Express Delta Skymiles credit card for {$600.00}, which would have paid off my statement balance in full. I entered my bank 's routing number and account number on the website without error. The due date for the payment was XX/XX/XXXX. I scheduled the payment to be processed the day before the due date, XX/XX/XXXX. I was not informed of the missed payment until XX/XX/XXXX at which point I immediately entered my payment information and submitted the payment for that day. To my surprise, I discovered today that I had been charged a return payment fee of {$29.00} AND an interest fee of {$25.00} for the balance which I had just paid. I called their customer service line and was told that these could not be refunded despite the nature of the error.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upstart XXXX operations is reporting an account as a charged off on my credit bureau report. I had requesting correction from the company to delete this inaccurate information from my credit report and a Dent validation to no avail. It was also sold to a third party and reported as a charged off account thereby damaging my credit twice, double jeopardy The charged off account number is XXXX an incomplete number. This account should be deleted from my credit reports immediately.
Product: Credit reporting, credit repair services, 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 XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF 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 XXXXXXXX, ACCT XXXX XXXX XXXXXXXX, ACCT XXXX XXXX XXXX, CONSUMER XXXX XXXX, all have 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 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 XXXX 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: Money transfer, virtual currency, or money service

I sent USD XXXX to XXXX on XXXX XXXX at XXXXXXXX XXXX using Sendwave to XXXX XXXX XXXX  and it was never received by the recipient. 
I called Sendwave and informed them of the situation and they told me to get the bank statement from the recipient to prove my claim. I sent them the statement and even involved the recipient bank in all the correspondences between me and sendwave. XXXX XXXX also confirmed the money was not received. 

Sendwave has been unresponsive despite all evidence showing that the money sent was not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
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: Debt collection

We have continuously been writing XXXX XXXX XXXX, pertaining to this matter.the last letter we sent was on XX/XX/23 to delete the inaccurate information that is reporting on our credit report pertaining to flagship credit acceptance.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the several time that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several late payments reporting on my credit reports that are incorrect. I have late payments reporting sporadically from years XXXX and XXXX. I tried fixing the problem but XXXX XXXX is no longer my loan services. I also was informed that the company has filed bankruptcy and I do not know how to contact XXXX XXXX financial to have my credit reports updated and corrected
Product: Student loan

The servicer AES will not report the balance of the loan to XXXX so that the loan can be pd. based on my father being totally XXXX. The loan should have never been in default, It was on income based that was XXXX for the last couple of years and then for some reason it was denied and went into default. I have called AES for the last couple of months, put in a complaint through the US Dept of education and still nothing. I am livid. Please help. 
XXXX XXXX, POA for XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase has restricted my account, meaning I have no ability to buy, sell, transfer, deposit, or withdraw and funds or crypto asssets.

I have been given no reason for the restriction and have tried and failed for 2 weeks to receive a reason, have the restriction removed, or get in touch with a human being.

Their customer service is entirely automated and ineffectual and it is impossible to reach a human being. 

Their text chat starts as an AI and then disconnects you after 2 hours of waiting for a human being.

Their phone line does the same thing.

After paying for Coinbase One, their advanced feature subscription that offers 24/7 priority human phone support, I learned it is literally just a script to get the normal phone line to CALL YOU, and then dumps you into the same automated phone line that disconnect after a few hours of reaching no one. It is not a 24/7 human support service and it is not priority.

Coinbase One is blatantly false advertising of a paid service. It blatantly lies about what it gives you. 

I have no ability to do anything with XXXX XXXX XXXX of dollars of my own money, received no reason for it, and can not resolve it because of false advertising and customer service that very clearly is negligent.
Product: Checking or savings account

On Saturday XX/XX/2021, I opened a checking account at Chase. There was no mention that Chase was going to review my account worthiness. Then I received a letter in the mail on XX/XX/XXXX, that Chase was closing my account on XX/XX/XXXX, the letter was dated XX/XX/XXXX. They didn't send me an email or even call me, they just sent a letter that could take a while to get to me, which it did. I had already received my debit card and changed all my bills over to Chase. On Monday XX/XX/XXXX, I called Chase at XXXX to find out why they were closing my account after I just opened it. I talked to XXXX and he stated after reviewing the account Chase decided they could " No longer manage my account ''. I asked which reporting company they received this information from and he would not provide me that information. I then asked to speak to his supervisor and after waiting for 20 minutes, XXXX came on the line and she would not provide me the information either. She just kept stating in the terms and conditions that I signed Chase has the right to close my account.
Product: Checking or savings account

I, the ( Plaintiff ) have already initiated a complaint to BofA via USPS Certified Mail, ( tracking # XXXX ) but was subsequently ignored- so now I'm using the CFPB to begin a recourse of legal action in pursuant to ( TCA 47-18-2104 ) " Private Right of Action '' for the included but not limited to : Unfair and deceptive acts, and false book entries. In the month of XX/XX/XXXX, through information and belief, Bank of America Corporation, XXXX of XXXX segments of BofA, illegally used the Plaintiff 's, ( XXXX XXXX ) personal identifying information to create an unauthorized bank account. This action was reported to the XXXX XXXX XXXX  XXXX  in a fraud report in the month of XXXX in XXXX XXXX # XXXX in subsequent of a meeting with a BofA Officer about this issue at the XXXX XXXX XXXX location in XXXX TN, in which the Plaintiff was told that BofA couldn't not determine who created the account or where the account was created from and no further inquires would be made into the matter. These acts are a violation of the included but not limited to : The FTC ACT 15 USC 45 ( 5 ) Unfair or deceptive business practices, MAKING FALSE ENTRIES IN BOOKS, REPORTS, AND TRANSACTIONS - 18 USC 1005 AND 1006, violations of the FCRA because this unauthorized account was reported to several credit bureaus. 

Also the Tenn-Consumer Protection Act of 1977, because these acts and deceptive business practices were committed in the State of TN. In pursuant to ( TCA 47-18-2104 ) Private Right of Action, the Plaintiff will allow the Defendant ( BANK OF AMERICA CORPORATION ) XXXX business days upon reception of this correspondence, to agree to privately settle these violations with the Plaintiff. 

If the Defendant does not respond within the given timeframe, a Civil lawsuit demanding a Jury trial and relief for the following, including but not limited to : Punitive damage relief, non-remedial civil penalties, and injunctive relief will be filed in the United States District Court for the Middle District of Tennessee, were motions for discovery could undoubtedly reveal and pinpoint supporting admissible evidence including all entities or individual/s responsible for these violations, and in conjunction with this recourse of legal action, the Plaintiff will also forward this letter and all relevant evidentiary support in pursuant too these egregious violations, to the TN Attorney General, the Tennessee Department of Commerce and Insurance , the DOJ- Department of Justice Major Crimes and Integrity Unit , and the FTC.
Product: Debt collection

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated an international money transfer from my Payoneer account to OFX to be processed through my OFX Global Currency Account. The amount of {$1100.00} in USD was intended for transfer to XXXX in United States According to OFXs guidelines, the funds were expected to be delivered within XX/XX/year>. 
However, despite the transaction being initiated through XXXX and transferred to OFX, the following issue occurred : There was an error in processing, where the funds were debited from my XXXX account but not credited to the recipient 's account. 
I contacted OFX customer service XX/XX/year> to resolve the issue, but I have either not received a satisfactory response or the problem remains unresolved. 
I have attached all relevant documents, including the XXXX transaction confirmation, communication with OFX, and any other evidence supporting my claim. 
I respectfully request that this matter be investigated, and that the funds either be transferred immediately or refunded in full, including any fees incurred due to this issue.
Product: Checking or savings account

Around  XX/XX/XXXX , there was a direct debit attempt from  XXXX  on my account but there was not sufficient amount in the account but my bank,  XXXX    XXXX   authorised the payment and was charging interest on it unroll it accumulate to  XXXX  plus. I confronted the bank about it but it was then already with a debt collector, so I made the payment. This is still showing on m y credit score til l now  XX/XX/XXXX  and I can take any loan from the bank because of that.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, causing loss of assets held within the confines of private information. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

BoA is refusing to process balance transfers without explanation or notice.
Product: Mortgage

Mr. XXXX apply for one mortgage, to purchase an condominium at reason rate and discuss over important turn and condition. and provide up front per-cent  down payment agreement with the  Financial Agents and obtain attorney service on exam all aspect of the future purchase agreement, or contract. Mr. XXXX also provide essential information, include   Three personal banking reference, and two credit Union reference, and other personal credit reference plus personal company account reference. After four months period, I check back for an up-date on the mortgage transaction. "unfortunate' the Capital Mortgage Financial agent default on the Real Estate project. Their no real relevant reason for Capital mortgage financial agent not to finance the real estate project. Unless some unknown interfere with the ongoing financial processing of the Financial application. All essential requirement, were on the application and sure co-signer were standard requirement. Those unwanted incident are cause by persons of unknown interfere to discredit legitimate information provide by the applicate and co-signer. In this case obsturcture of service process. apply in this case. and incident of that nature cause more harm then good. These incident were done intentional . Or person of unfnown interfere to made an attempt to used the applicate name fraudulent, cause an default with available funding.  The applicate exercise reasonable care and good faith with each reference provide. The real cause is obsturcture with current information sends were good standard. (C F P B ) Mr. XXXX  is request for certain amount funds send were certain per-cent for down payment send to be return and wire transfer those fund to Mr. XXXX  personal Bank account.
Product: Credit card

The account has been closed since XX/XX/XXXX however the creditor continues to report on my credit report. The account is set to age off my credit report XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. Bankruptcy : Discharged CH-XXXX, XXXX,. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I disputed the account on my credit report for XXXX XXXX on XX/XX/24 and Equifax refuses to remove it from my report. It's been over 7 years. Its actually been 7 years and 23 days to be exact. XXXX website says Most negative information generally stays on credit reports for 7 years. They are in violation of their own written statements! XXXX XXXX has continued to falsely report on this account to keep it active. No other company has done that to me. Ive previously disputed incorrect information being reported by XXXX XXXX. Equifax has done nothing to protect the consumer. Im not sure what monetary agreement XXXX XXXX and Equifax have between the XXXX of them, that makes Equifax do this. The other bureaus have removed it, due to the 7 year history. Equifax is intent on keeping this negative, false information following me. Its not right and the account should be removed!
Product: Debt collection

I went into the XXXX room back in 2018 and was fully insured. Under my insurance plan, the deductible had already been satisfied so the visit should either be covered or paid up to 80 % as per my XXXX XXXX XXXX at the time. 

I spoke with an ARS representative and said this information was correctly filed by XXXX XXXX XXXX XXXX but I still owed the full amount of my visit. The rep told me that I could not speak with them and I could only go through ARS to resolve this discrepancy. Since this was an error on XXXX XXXX XXXX XXXX, they should be held accountable for incorrectly filing the claim which has now impacted my credit score for over 3 years at this point. I estimate with the higher interest rates I have paid due to this having an adverse affecting my score is roughly $ 15,000-20,000. 

The only reason I was able to find this debt was due to me running a personal credit report to find out why my credit score won't change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with National Credit Systems Inc for any services rendered. These clowns are adding things to my credit report that I would like removed immediately.
Product: Credit card or prepaid card

I am submitting this complaint in regards to a matter of interest fees that I am being charged after paying in full the balance of my " Capitol One credit cards ''. 

On XX/XX/2021 I made a payment of " {$3000.00}, and {$1300.00} to my Capitol One credit card accounts. These payments rendered my accounts " Paid in Full '', with no pending fees. I also contacted Capitol One on XX/XX/2021 and requested that my accounts be " Closed ''. 

After paying the accounts off ; I received an email from Capitol One informing me that I owed {$16.00} on one account, and {$36.00} on the other. I contacted the company and I was told by the Representative that the fees were interest that were applied from the XX/XX/XXXX billing cycle. I explained to the Representative that I had paid my accounts in full on XX/XX/XXXX, and that I had requested my accounts to be closed. The only response was a repeat of when the fees had occurred. 

I have since received another email informing me of these same charges, which have doubled, and have been applied to the account that I paid in full, and closed on XX/XX/2021. 

I implore your organization to assist me with rectifying these unethical, unjust actions. 

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

Some companies are reporting me as late even when I am not so please look at the attached documents carefully to understand what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Privacy and confidentiality under 15USC 1681. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX 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 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.