23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX. I seen there was French bulldogs for sale. And I wanted to buy one. I contacted the seller. They told me to send {$900.00} and I did. When they started asking for more money. I said I want a refund. They have my full address name and phone number. I told them I wanted a refund and they blocked me. Please help me out. The app I used to send the money was cash app. I was photos and proof I sent it and I asked for a refund. Please I just want my money back. Thank you. My phone number is XXXX and my email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

I am a victim of Identity Theft. On XX/XX/2020 I attempted to open an account with Chime. I was informed by the company that there was an account with my social security number already opened. I sent the requested documents to verify my identity along with a letter from the FTC informing them that by law I had a right to get the info that was used to open the fraudulent account. I have not heard from them. It's been well over a year. 


I do not know who opened the account. I did not authorize the account, therefore I don't have an account number.
Product: Debt collection

XXXX XXXX XXXX XXXX wrongfully charged me for propane that I returned in the tank they removed from my property. This was their tank and I cancelled service due to their price gouging for propane. They left the tank on my property for almost 2 months once service was cancelled. They charged me {$150.00} for removing their tank from our property. The tank was more than 1/2 full when they removed and they refused to provide the proper credit to my account. I have requested they show me in the contract we signed that states that they can charge to remove their tank from our property and they have refused to provide that proof. We told them since they had refused to remove our tank in a timely manner that we were charging a storage fee of {$20.00} per day and there was over {$400.00} in storage fees that they owe us. In addition, they never picked up all of their property from our home. XXXX XXXX is the collection company and they have refuse to ever provide us with any of the documents we have requested. It has been years since XXXX XXXX has sent us any thing. They continue to charge us interest on a bill we feel that we do not owe. Time frame when tank was removed was approximately 5 years ago
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 U.S.C 1681. 

Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Bank Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account # XXXX Account name : XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account # XXXX 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 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

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. Capital One misrepresented the XXXXXXXX XXXX  account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Since XXXX, I have had a Wells Fargo Visa credit card and have made all payments promptly and on time. 

When I received my XXXX bill, I wrote out a brokerage account check for the entire amount of {$9100.00} and mailed it on XXXX. It was paid on XXXX 

After receiving a text message from Wells Fargo on XX/XX/ indicating that my payment was not received, I asked an employee at my brokerage account to provide Wells Fargo 's Payment Research Department with documentation showing that the check was paid. 
I then received a letter from Wells Fargo dated XXXX indicating that " after completing the investigation on this matter, we have determined that our records are correct and the status off your account is accurate. '' On XX/XX/, I asked the same employee at my brokerage account to provide a copy of the canceled check ( front and back ) to XXXX XXXX at Wells Fargo 's XXXX XXXX. Upon receipt of the canceled check, XXXX XXXX assured me that he would look into the matter and follow up with me. 

When I attempted to use my Wells Fargo Visa card to buy groceries yesterday ( XXXX  ), it was declined.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Acct # XXXX. Violated my rights.

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

15 U.S.C 1681 section 604A. Also States a consumer reporting agency can not furnish my account without my written instructions.

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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have a debt listed XXXX  on my credit report. It's under the original creditor and the collection agency it was sold to. Both still have a balance. The original creditor balance is supposed to be {$0.00} but it still shows the same balance. I submitted multiple disputes with both Experian and XXXX. I think the practice of relying on computers is preventing this from being fixed. They think I'm disputing the debt but I'm not. I'm disputing the balance of the original creditor. 
Both the original creditor and the collection can't both have a balance, I can only owe XXXX of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5000.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Also, Please remove this account- XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$410.00} from my file. The bank made an error with my statements & the bank agreed to remove it. Please remove ASAP.
Product: Credit card or prepaid card

RE : AMEX account # XXXX XXXX XXXX I have been an American Express Card holder since XX/XX/XXXX ( nearly 50 yrs. ) and that will now end. 

American Express has breached their agreement with me, by discriminating against me, deliberately providing me with untruthful statements, and using a scheme which is known and approved by their CEO XXXX XXXX and board-members for the sole purpose to deter customers to contact them who have a complaint or who have been cheated by American Express. 

Facts : - For 50yrs.I have Never had a payment returned -Never violated anything in our agreement -American Express themselves consider me to have been an EXCELLENT customer One of the primary perks or features for American Express cardholders is the fact American Express credits the available balance immediately after a payment. They are one of the few who do this. XXXX is the other. It is the most courteous consumer benefit which separates American Express with most other banks. 
-I have always enjoyed this feature, many times if i needed to make a purchase above my current available credit and also take advantage of my rewards points. I could simply make the required payment amount and use the card for the purchase immediately. 
-On XX/XX/XXXX ; I made a payment for {$1900.00}, not a large amount of money. Immediately as it has always done, my available credit increased to reflect the payment amount. That being {$1900.00} ( credit limit is {$6000.00} ). 
-I then attempted to pay my ATT bill for {$950.00} and was declined. Soon after my available credit was removed. 
-Used the American Express Chat feature, spent over an hour hearing the AMEX rep. Lie to me time after time. Finally a supervisor came on and confirmed the information I was provided earlier was untruthful. 
-I attempted another payment for {$500.00} just to prove my account had been restricted. Again the payment was not credited. 
-Therefore I contacted my bank to make sure those payments are not honored, American Express I have recordings and copies of my chat conversations which will clearly confirm all my claims
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice in XXXX of 2019 that XXXX XXXX XXXX transferred my mortgage to Mr. Cooper effective date XX/XX/2019. Mr. Cooper has not been reporting my mortgage payments since they acquired my loan. I have being making timely payments with them and none of my payments have been reported.
Product: Credit reporting or other personal consumer reports

On XXXX I filed a complaint with the CFPB about inaccuracies on my credit report. I provided documentation from XXXX, XXXX, as well as TRANSUNION showing THE DEPT OF EDUCATION is reporting 1 account differently to the abovementioned companies causing me grave injury. XXXX XXXX XXXX XXXX XXXX and without this misinformation being corrected I XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX ] XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW XXXXn, XXXX  XXXX Subject : Request for Assistance Regarding Unauthorized Inquiries on My Credit Report Dear CFPB, I am writing to formally request your assistance regarding unauthorized inquiries that appear on my credit report. Despite my efforts to resolve this matter directly with the credit bureaus, they have refused to remove these inquiries, which I believe are a result of identity theft. 

On [ XX/XX/XXXX ], I submitted an identity theft report to [ experian, XXXX, and XXXX ], detailing the unauthorized inquiries and the fraudulent accounts opened in my name. However, the credit bureaus have failed to take appropriate action to investigate or remove these inquiries, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. This law mandates that consumers are entitled to have fraudulent information removed from their credit reports if they provide a valid identity theft report.

I have attached copies of my identity theft report and relevant correspondence with the credit bureaus for your reference. Given the circumstances, I respectfully request that the CFPB intervene to facilitate the removal of these unauthorized inquiries from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ] Attachments : Identity Theft Report, Correspondence with Credit Bureaus
Product: Credit reporting or other personal consumer reports

I have an issue with Transunion properly investigating my dispute under the Fair Credit Reporting Act. Over the past year starting XX/XX/year>, I have submitted documentation on several occasions in regards to underlying account. My ability to obtain access to credit and employment has been tremendously affected. Transunion has constantly ignored documentation/ evidence I submitted over the past year allowing previously deleted inaccuracies/misleading information to be reinserting into my credit report. The financial consequences of inaccurate information listed in my report has cause severe harm to my financial and personal well being. Every attempt to contact Transunion via phone has been unsuccessful. Each time I call, I get transferred to special handling department who never answers. Please assist me in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a debt management plan on XX/XX/2020. I was told by XXXX XXXX XXXX that I would have to postpone any payments due, or notify the creditors that I was entering into a DMP. That by law, as long as they agreed to my payment amount they could not report me as late or charge any late fees to my account. 

I spoke with someone at each creditor or moved my payment date. Every agreed upon payment has been faithfully made. Not a day late. 

However, certain creditors have reported me late. I have filed disputes with the bureaus which are all well past the 30 day time frame. I spoke with both XXXX XXXX  and Synchrony bank which both told me they do not see anything past due in their system. 

I am trying to take out a loan to provide for my XXXX kids during this time. This is killing me and something needs to be done.
Product: Credit card

XXXX XXXX Capital One employee in fraud asstance not speaking clear about transaction with my Credit card.Capital one Walmart rewards MasterCard credit card..I mentioned to the employee about charge.She said i get XXXX in temporary credit on my card with in 2 -5 days? Well its here it is XXXX XXXX my balance i owe is XXXX  and Available is XXXX} with XXXX credit limit?? Well i never got my refunded back from Wal-Mart XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Utah XXXX is where i shopping at and paid them with my Credit card i got approved .Item been returned on XXXX XXXX and they said i must wait 10days for refunded.They ship with XXXX  to Ohio..When they get it i must wait more days about 10days, and my receipt has something wrong i mentioned at Wal-Mart, the refunded going on wrong credit card its not mine last 4digits XXXX, ..It was not used for purchasing my last 4digits XXXX, and my refunded should be credit to card.As of today its XXXX XXXX my purchase item is sitting in XXXX XXXX XXXX, Utah since XXXX XXXX and it is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  is sitting on our returned item.Capital one supposed give my refunded back over 17days ago credit to my account, i check today XXXX XXXX not available yet.
Product: Mortgage

I submitted my loan modification paper work by the XXXXdeadline with no response yet. Sale date set for XXXX/XXXX/XXXX. In addition, the amount that is outstanding on the NOD is incorrect with numerous attempts to resolve with no resolution. 

XXXX XXXX has an insurance check for $ XXXX which approx {$460.00} for XXXX cleaning on the house - the balance to be applied to the mortgage but they have not done anything. Except keep asking for documents they received over and over from the XXXX XXXX XXXX ( e.g. Proof of Insurance, XXXX etc ). 

They are not deducting the {$4000.00} from the outstanding balance. 

Not sure their intention.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX Credence Resource Management LLC XXXX XXXX XXXX XXXX, MI, XXXX Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I saw on my chase app that somebody withdrew money from my bank account from ATM of New York XXXX dollars and I reported claim to Chase Bank but they didnt refund my money they denied. 
XXXX XXXX XXXX This link ask me about my account information they said they from post office And in XX/XX/year> they withdrew money from my account. They add my business card on the XXXX wallet I have information about that I can proof that they add my Chase Bank card on their phone.
Product: Debt collection

I have tried to go through the credit bureau several times abot a debt that was over 8 years old and is still showing up on my credit report. I have asked Equifax to validate the information yet it appears that nothing is being done since this debt is from XXXX when i had to take an ambulance to a hospital due to my XXXX XXXX XXXX. The name of the credit collector is UNITED COLLECTION SERVICE , INC and they are saying that the account was opened : XX/XX/XXXX ( 6 yrs, 2 mos ) and the Original Creditor Name : XXXX XXXX. At the time they are saying this was opened I was already living in another state for a year and a half.