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

The IRS Clearly defined a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! 
BY Definition The IRS Clearly says a Canceled or Charge Off is Income. The reporting of this account as debt is inaccurate. 
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX  XXXX XXXX + XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

My account with creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 in those account 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.

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 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 reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX CT XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to the credit bureau and haven't received any response from the credit bureau in the last 3 months
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received several emails from Coinbase informing me that my cryptocurrencies ( XXXX, XXXX, XXXX, and XXXX  ) were sold at the same time, with a total market value of around {$39000.00} USD. In addition, at XXXX XXXX  PDT, I received two withdrawal emails, one for {$9800.00} USD and another for {$8600.00} USD, which alarmed me. Shortly after, I received an email indicating that my Coinbase account had been locked for security reasons. 

After reviewing the emails, I hoped that they were not true and attempted to log into my Coinbase account to verify their validity. However, I was unable to access my account and immediately began searching online for a way to contact Coinbase directly over the phone. When I noticed that all the emails had a 'contact support ' option, I decided to use those links and spoke to a virtual assistant, who then connected me to a Coinbase agent. I explained the situation, but they refused to discuss the matter in chat text and instead asked me to wait for a follow-up email with more details. 

After finding a phone number to call Coinbase, I spoke with a support specialist, but each time I initiated a call, it would drop, forcing me to reach out to another agent. This experience left me feeling increasingly suspicious about what was happening. Eventually, I was able to speak to an agent who listened to my explanation of the activity on my account. However, he was very rude and warned me that any crypto transactions are irreversible. I made it clear that I wanted all transactions to be stopped and prevented from being executed. He said he would follow up via email, but he also stated that Coinbase was not responsible for any hackers who might have taken control of my account. I disagreed with this, as any transaction made to or transfer made from my account would have a time frame within which the funds should be available to deposit or transfer. Additionally, all of the cryptocurrency transactions were sold and converted into USD cash " they were not transfer to another wallet " this means that the cash has to be withheld before it goes to a bank account or transfer if they did in fact put a restriction like I asked them. 

After unlocking my Coinbase account following the 24-hour period, I noticed that two bank accounts had been added to my account without my knowledge. This made me suspicious that they were being used to transfer money out of my account. I discussed this matter over the phone with Coinbase and brought to their attention that these two accounts were added to my account on XX/XX/2023, and I do not recognize them. 

For the past five days, I've been trying to reach out to Coinbase, but I haven't made any progress. Despite mentioning the issue during our phone conversations, they haven't confirmed whether the accounts are frozen, and they haven't provided any information regarding the two bank accounts that were added to my Coinbase account on XX/XX/2023. As a result, I'm completely in the dark about this entire situation, and I'm in desperate need of assistance.
Product: Vehicle loan or lease

In XX/XX/XXXX I financed a used XXXX XXXX rogue for XXXX with a monthly payment of XXXX plus car insurance XXXX was on time with the car insurance and my car note .when the pandemic came about my hours at work were shorter so I applied for liability until I I get a better job or more hours.Soon after my car was hit so I had to pay out of pocket insurance .About a year later my car got stolen.I did the right paperwork and followed every step.About 6 months later I received a letter from the finance company.I was told to pay a percentage because the car wasnt recovered.I gave up but I was still tryna pay them so I started paying atleast half and what I could. About XXXX later I was watching the news and seen my car amongst other ghost cars that was hidden and took by XXXX XXXX I called XXXX told them everything and was told my car not there. Immediately I called the finance company and I told them and they told me I still have to pay.I believe they recovered the car and still trying to make me overpay for their car I barely had. I asked to gps the vehicle they told me they took it off a year before I brought it. They were no help and rude. Lastly my car was repossessed before and I found it there when they lied and said it wasnt.
Product: Mortgage

I was refinancing my home. I was moving from a fixed mortgage with Wells Fargo to one with XXXX. I signed the closing documents on about the XX/XX/XXXX. A few weeks later I got a call from XXXX telling me they were having a problem. Wells Fargo was telling them the payoff amount was short even though XXXX was sending what they were told to in the payoff quote. The representative from Wells Fargo explained the payoff amount assumed I had made the XX/XX/XXXX payment but never verified. I explained to them I did not have an extra months payment but would be happy if that is what the problem was to enter a payment plan. The Wells Fargo representative said they would go set it up and get back to me. For the next five week both my loan officer and myself tried to get back in touch with the individual from Wells Fargo. I finally called to complain and was able to get this individuals supervisor. He told me what had been proposed could not work and they would only accept a full payment which now was up to two months with penalties. Again I told him I could not afford that and I had already begun to make payments to XXXX. He told me he would get back with me. Three weeks later I still ca n't get a hold of him. In the mean time I am paying on my XXXX mortgage but still getting bills from Wells Fargo. WellFargo is now telling me I am at risk of loosing my home. I have spent days talking to different people at Wells Fargo but none can help me. Once told me I should retain an attorney. I called HUD and got the same advice from them.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account Number : XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I had a savings account with Marcus which was forcibly closed down by bank on XXXX XX/XX/2022. There was interest accumulated for month of XXXX for amount of {$67.00} which was not paid out to me. 
Upon speaking with agent, I was told that the transaction was paid out to XXXX XXXX and I was provided with below information related to the payout and transaction - Transaction trace number - XXXX ref - XXXX However, there was no amount received on XXXX XXXX side. 
Upon checking with Marcus, I was told that they will investigate and get back to me with resolution and funds will be traced. However, I never received any call back in this regards and I have not received any payout.
Product: Checking or savings account

account number XXXX XXXX XXXX XXXX XXXX and XXXX dollar deposit at fifththird bank stolen crypto currency I was promised {$5800.00} a day. 
XXXX XXXX XXXX Tennessee
Product: Credit reporting, credit repair services, or other personal consumer reports

i accordance with the fair credit reporting act XXXX XXXX XXXXXXXX # XXXX, has violeted my rights. 
15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish account without written instructions.

15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

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. 
( EXPERIAN ) Never Sent '' periodic statement along with t disclosures from section 1637 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! 
XXXX Delete the late payments from my consumer reports
Product: Credit card or prepaid card

XX/XX/2018 I purchased a resume writing service ( {$290.00} ) from " XXXX  XXXX XXXX '' an online resume writing service provider using my Chase Preferred credit card. 
XX/XX/2018 I received first draft of the resume in 3 different formats. 
XX/XX/2018 I sent them an email and told them I am not happy with the resume. 
XX/XX/2018 I sent another email and told them I'm not satisfied. 
XX/XX/2018 I got another version ( 10 % change ) from the service provider. 
XX/XX/2018 I sent them an email and told them this resume isn't working for me. 
XX/XX/2018 I got an email from the service provider that I was supposed to receive a call " XXXX '' the owner I guess will call me. 
XX/XX/2018 I sent another email and told them I didn't get a call from anyone. 
__No response from them from here on __ XX/XX/2018 I opened a dispute with Chase. Case # : XXXX Between XX/XX/2018 and XX/XX/2018 - XXXX  XXXX from Chase and I played phone tags. We left at least 5 voicemails for each other. She was looking for information. We were able to speak only twice and I provided information she needed. Once when I called, I didn't have credit card on me so I couldn't verify the CC # as a result she didn't provide any service that day. 

XX/XX/2018 - I called to report that I've misplaced my CC and also discuss this dispute with someone. XXXX was the new specialist that " tried '' to help me. 

Summary of our conversation on XX/XX/2018 : After providing all the information he asked for, he put me on hold to try to get hold of the resume service provider ( XXXX XXXX XXXX ), they didn't answer. He came back on line and asked me to call him " EVERY HOUR '' so he can try to get a hold of the service provider. I asked why he can't call and talk to them without having me on the phone, he said call volumes are so high and Chase can't do that. And since service has been rendered, they can't just refund me. 

I argued that service I received isn't a service I was promised and I'm not satisfied ... he kept repeating him self. 

So I would like to file a complaint against Chase and how they handle dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

( XXXX XXXX XXXX XXXX XXXXXXXX willfully misreports my " current correct address '' to all credit bureaus XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX willfully misreports my balance of my credit card and allows unauthorized charges to be charged to my credit card, in spite of many warnings ( 3 ) Experian did not remove the unauthorized inquiry from in spite of many warnings
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 XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) : XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX XXXX ) : # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX PA ) # 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 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

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

See previous complaint filed and response. 
The company now confirms there is/ was an account The complaint requests the financial documentation on the fund disbursements Who go the money, not a PDF application without Identification nor signatures. 
The question is to verify the account with substantiating paperwork and records, namely a cancelled check or account statements. Where was the money deposited into what account. The question remains the validity of this account and my name on it. The complaint is not satisfied by simply saying they were not required to report to the IRS. Is this an account in the first place. Prove the money was disbursed and to whom.
Product: Vehicle loan or lease

XXXX account # for loan. This is regarding a late fee of {$21.00} they charged me, on XX/XX/XXXX, when we were not late. 
The only reason we got this loan was for the credit and we paid interest for it. I don't want to have to contact all credit bureaus and dispute. I work full time and do not have time for this. 
I called capitol one on XX/XX/XXXX @ XXXX and spoke with ( XXXX  ) XXXX XXXX She couldn't comprehend that we were paid up 4 years in advance. I asked to speak with supervisor. She said, there is no supervisor. Then she proceeded to connect me to XXXX ( XXXX ). He was very rude and stated that we were late, even though we were not. He stated they applied the monies that were paid 4 years in advance to principle. I failed to see how this was our problem, as they apply the payment. 
I then emailed the complaint department at capitol one, all to no avail. 
On XX/XX/XXXX we got an auto loan in the amount of {$9500.00}. There were 72 payments of {$210.00} each. I paid the loan off in 15 months. 
XX/XX/XXXX I had paid a total of {$1600.00}. capitol one applied the payment to interest and principle. I don't know how they figure that. 
I had paid a total of {$3400.00} before XXXX XXXX XXXX 
I proceeded to pay this loan in all of XXXX Sometimes i made a payment every month. Sometimes every other month. I was so far ahead, I couldn't possibly be late. No late fees were charged in XXXX. I didn't make a payment in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I paid {$6300.00} in XXXX. Add this to the previous monies paid in XXXX and the total is {$9700.00}. 
In XXXX I should have paid {$430.00}. In XXXX i should have paid {$2600.00}. For a total of {$3000.00}. Yet, I paid a total of {$9700.00}. I am paid ahead by {$6700.00}. How in XX/XX/XXXX can I possible have a late payment???? This is my complaint. I want this late payment removed from our loan. I have no clue as to how capitol one applies payment 's regarding interest and principle. Nor is this my problem. I want my late fee refunded and I want it removed off of our credit report. At no time during this loan were we late!!