23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX i get a fraud alert thru Identity guard about a collection that i do not have with this company which is I C System Inc. in amount of {$210.00} unknown what its for so i did my research thru Secretary of State in Texas and see they are not bonded in Texas and can not collect a debt in Texas i used the physical address and the pobox address and they can not be located so meaning not bonded in state of TEXAS TO COLLECT DEBT and i request this come off my credit file immediately so according to Secretary of State Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card placed a late payment on my credit report. My late payment was due to me being ill with XXXX  and I inadvertently missed a payment. Since this complaint, I have paid the account and the credit card is almost paid done to zero. I am asking that XXXX delete the late payment from my credit report since I have never been late paying them in the pass. 

Thank you for your consideration.
Product: Credit card

Dear Sir/Madam, I am writing to express my dissatisfaction and frustration regarding the recent closure of my business credit card accounts.with Chase Bank XXXX My business, XXXX SEASONS PRODUCE AND XXXX XXXX XXXX, has been a valued customer of Chase since XX/XX/XXXX, and I am deeply concerned about the abrupt closure of our accounts. 

On XX/XX/XXXX I received a notification stating that my business credit card accounts was being closed due to reasons unspecified. This action has had severe repercussions for my business operations, including disruption in XXXX XXXX XXXX, inability to process transactions, and uncertainty regarding the status of pending payments and payroll. 

As a legitimate business entity, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has always maintained full compliance with all regulatory requirements and has never engaged in any unlawful or suspicious activities. Therefore, the closure of our account without prior warning or explanation is not only unjust but also detrimental to our business reputation and financial stability. 

I respectfully request that Chase Bank provides me with a detailed explanation for the closure of my credit card accounts and reconsider its decision. Additionally, I urge you to promptly address unjust closure of my account, I have legitimate business please see my website, https : XXXX, XXXX business accountXXXX XXXX XXXX XXXX, and hundreds of satisfied customers brick and mortar location you are more then welcome to visit my business and see yourself or you can utilized XXXX XXXX view to see my store and sign. 

Furthermore, I expect Chase Bank to review its internal procedures to ensure that such arbitrary actions are not repeated in the future. Transparency and clear communication are essential in maintaining trust and fostering positive relationships with your customers. 

I appreciate your prompt attention to this matter and anticipate a swift resolution. Please contact me at XXXX XXXX XXXX or XXXX to discuss this issue further. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The companies listed inquiries on my report that I did not authorize please remove these unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

When Credit bureau they try to verify identity, They ask questions about a Mortgage or car loan or line of credit in XX/XX/2014 that I have no idea about. 

So they cant verify my ident and we can not proceed, Also with my bank when they try to verify Ident they ask some questions about a loan and there is no loan or amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

605b complaint was not answered in a timely or proper manner in accordance to FCRA. I request immediate compliance or reasons as to why my complaint was not answered lawfully.
Product: Credit reporting or other personal consumer reports

I looked on my credit report using XXXX account, I see unauthorized debt collection and report it without permission and consent, which is violation of under FCRA 15 U.S.C. 1681b ( f ). I did request a letter to prove for debt validation report and I did not receive any response at all. I received a threat letter from Midland Credit Management asking to offer for charge off account, without unauthorized and give a consent. I am asking to stop harassing and threatening with a lawsuit. Please investigate this violation of my consumer rights and take action against [ Midland Credit Management ] to prevent future illegal activities. Thank you for your attention to this matter, and I look forward to your timely response. 

XX/XX/2024
Product: Credit reporting or other personal consumer reports

I always meet my payment deadlines, so I dont understand why this company reports me as late. XXXX XXXX says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''
Product: Debt collection

This debt has been disputed -- This debt has not been verified with any original documentation from the original creditor. Moreover, even if the same had been provided- the statute of limitations has passed for any debt collection or legal action. Thy are trying to deceive people into thinking they owe a debt- and scare them into thinking they owe this debt and trick people into making a new contract for debt payment so that they can restart the statute of limitations.. Part of their letter states the same -- but a part of it was torn in transit, and i can not read it. That is why the uploaded document looks like it does.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Phone # XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXXAccount number XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months
Product: Money transfer, virtual currency, or money service

Ive used PayPal for the past 3 years now! 2 weeks ago my friend XXXX sent me {$5000.00} over 4 payments, and had his buddy send me another {$1500.00} through PayPal, {$6500.00} total. Luckily I was able to move {$3000.00} if it to my bank account, but {$3500.00} is stuck in PayPal and they arent giving it back to us! XXXX is planning a trip to Hawaii in 3-6 months so he sent me this money to hold, so I could purchase 2 mountain bikes here on XXXX if & when they come on sale. On XX/XX/2021 I noticed there was a hold on my PayPal account and I still have {$3500.00} in there! PayPal notified me they are terminating my account, that they dont want to do business with me any more! I asked them why & they told me that XXXX was suspicious but couldnt tell me how. They said they couldnt talk about his account to me, & Because XXXX sent me money & Im associated with him, they are banning me too! But We did nothing wrong. I have never done any illegal activity ever. On PayPal or in my every day life, I have XXXX kids & an honest job! Im not sure what XXXX is doing but as far as I know he is a good guy too.. What I did do different this time though, was transfer the first {$3000.00} to my checking account with out paying them fees! This time I waited 2-3 days so I wouldnt have to pay the 1-2 % they charge us! I had to verify my account again bc it was the first time I moved money without paying them! I believe this is the reason they terminated my account because they didnt get a Sevice Fee from us and their cut of the {$6500.00}! I have paid PayPal hundreds if not thousands of dollars through XXXX and through them directly over the past 3 years. I have records to prove it.. We are currently living through a pandemic & people are struggling!! Many times looking for money for food, and rent! PayPal is a billion dollar company, why are they allowed to steal money from their customers like this!?? I have heard countless people come out and tell me PayPal has been doing this to a lot of people and there is a good chance PayPal will try to take this {$3500.00} from me in 6 months! Please help, please tell me what I did wrong! I am willing to reverse the transactions, refund XXXX and he can send me a check, but stealing it from us is UNACCEPTABLE.. if they dont want my business I can live with that just fine! I will use a different payment method, but taking our money and banning us at the same time is preposterous!! Help! 
From XXXX  ph XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is dismissed and no longer active. Report is reporting incorrectly that case is still active. Needs to be immediately updated.
Product: Checking or savings account

I'm just trying to link another financial institution to my primary bank for business transactions.
Product: Mortgage

Mortgage loan XXXX was transferred from XXXX to Mr. Cooper on XX/XX/XXXX ( new loan # XXXX ). Loan was paid in full on XX/XX/XXXX. Letter dated XX/XX/XXXX from Mr. Cooper confirmed payoff was processed and that the release of lien will be submitted to the official recording jurisdiction. I called Mr. Cooper 's customer service to ask for the original {$100000.00} mortgage note but they indicated they only had copy, not the original document. I have been contacting XXXX customer service several times beginning in XX/XX/XXXX looking for the original mortgage note but they informed that Mr. Cooper received the original collateral documents upon the account transfer. In Puerto Rico, the original mortgage note is required in order to execute the corresponding deed of cancellation of mortgage before a Notary Public. This is the only way to cancel the lien created by the deed of mortgage at the Property Registry. Therefore, I have requested the original {$100000.00} mortgage note to both institutions but none of them have located the original document and so far I am unable to proceed with the lien cancellation. If this original {$100000.00} mortgage note has been lost, the cancellation cost will increase dramatically as it must be done at the Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to account is close still show open In my credit report 1- loan care 2- XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I file a dispute to resolve 2 accounts on my credit report that have negative information. Both accounts have been paid and satisfied in full. XXXX and others still has the accounts showing as a charge off, and will not remove the payment history of the closed accounts. Resulting my credit report to have negative information and a negative impact, instead of listing the accounts as paid in full. This information has stopped me from utilizing my credit.
Product: Credit card

I submitted a check payment for my credit card payment which was due. Capital One is now claiming they never recieved the payment and are charging me a late fee of {$39.00}. 

I am already drowning in debt and cant afford this fee.. I have requested them assist me and they were rude and hung up in my face. 

Also, I am not getting any notification of when payments are due, I have asked them to notify me of due dates and they still do not.
Product: Credit card

A credit card ( with an account ending in XXXX ) was fraudulently opened using my information with Capital One in XXXX. I received a notification at my correct address from a debt collection agency in the spring of XXXX for {$1700.00}. Since receiving the letter from the debt collector, I have been trying to remove the fraudulent account. I filed a report with the CFPB ( CFPB case : XXXX ) over the summer of XXXX and received a response from Capital One stating " we performed an investigation and confirmed that the account ending in XXXX was opened on XX/XX/XXXX. After performing our review, we believe the account belongs to you for the following reasons : The contact information used to open the account ( listed below ), has been linked to you by public records. 
XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX We mailed billing statements to XXXX XXXX XXXX XXXX XXXX, KS XXXX, which has been linked to you by public records, and did not receive any returned billing statements or other mail sent to this address. 
The Social Security number and date of birth we have on record for this account were verified as yours. '' I have been unable to get the credit bureaus to remove the XXXX XXXX XXXX XXXX XXXX, KS address as I have been told that it is the address tied to the capital one account. I have disputed and had the XXXX phone number removed from my credit report as it is not my phone number and I have never had a XXXX area code. The XXXX XXXX XXXX XXXX XXXX address has also been disputed and removed from my credit report. I have never lived in XXXX Kansas. My driver 's license and social security card were stolen in the spring of XXXX and I have documentation of a police report that was filed. 

I have attempted to call Capital One multiple times since I received their CFPB response and have made no progress with them. My lawyer attempted to send supporting documentation to Capital One in the fall of XXXX and neither of us received any response. I have received continued notifications from debt collectors.
Product: Money transfer, virtual currency, or money service

In early XXXX of XXXX, my account at Coinbase was taken over and when I reported it to Coinbase, they blocked me from my account. They then proceeded to make unauthorized transactions in my account. They tried to tell me that my email account must have been hacked into and that is how someone got access to my Coinbase account. I strongly disagree. Someone within Coinbase accessed my account and used my debit card to transfer funds from my XXXX XXXX account or they allowed access, not protecting my debit card. They made numerous transactions and transferred everything to a Coinbase Pro account which I had never signed up for or used. Coinbase depleted my cryptocurrency and claimed that my XXXX XXXX bank reversed charges. I reported this to the police. XXXX XXXX claimed that they did not reverse these charges that Coinbase claims. They also stated that they had no record of an account in my name for some of the charges that Coinbase claimed against me. Though I told Coinbase this, they insisted that they were my charges. Coinbase refused to check where the funds had gone except for taking my funds and keeping for themselves. Coinbase has cost me nearly {$20000.00} and, in addition, caused me severe distress. Not only did not they not protect my debit card nor my account, they made claims that are untrue, refused to answer my specific questions about the reversed charges and even after a year of attempting to get answers, ignored letters to XXXX XXXX, kept claiming they were entitled to more time to investigate before I was allowed to take legal action and then, still without giving me the information I requested, again stated, as they had numerous times, that they considered my complaint closed stating, " your customer experience was not up to our standards and we are issuing you a credit of {$10.00}, and an additional {$50.00} for your wait for a response to your formal complaint ''. This is totally unacceptable and I want to be compensated in full for the losses from my account due to Coinbase negligence, possible internal fraud, failure to protect my debit card and account, making transactions in my account while blocking access to my account, taking money from my account stating that it was for funds reversed by XXXX XXXX which XXXX XXXX denies and Coinbase repeatedly refused to provide copies of such transactions. Coinbase claimed that they answered everything which they did not but then, again, closed the complaint. There are numerous emails from them just dismissing me and closing the complaint. This is how Coinbase treats their customers.
Product: Credit reporting or other personal consumer reports

Collections agency will not verify the account after requested then disputed with credit agencies however was not provided the documentation that proved the account was verified and the amounts were accurate. I have reached out to the 3rd party creditors and credit agencies without resolve. The following companies : XXXX -Inaccurate amount, Requested detailed billing and verify the account without resolve. 

XXXX - Never responded. Disputed, however was not removed. 

XXXX Did not verify the account. I do not owe the listed amount. I was sent a class action settlement that was named the years that I resided there and the offer once the case is settle. Submitted to credit reporting agents with no resolve. 

TSI- Did not verify that account when requested. Attempt dispute did not provide documentation to support if the account was creditable. 

I have disputed twice with any resolve.
Product: Payday loan, title loan, personal loan, or advance loan

Company only allows loan payoff in paper check form ( that account will continue to accrue interest while check is in mail ) or through a wire transfer. They said I couldn't make payments over 4x the amount of the monthly payment. Disreputable practice.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was pre approved, approved, for XXXX vehicles and was denied after the company benefited from using my social security card, i still havent benefited anything i dont have any car.
Product: Credit reporting or other personal consumer reports

I sent a dispute to Experian, Equifax, and TransUnioXXXX multiple times and they have yet to respond to me with the proper verification of the bankruptcy they are reporting on my consumer reports. Sometimes they won't even respond at all. It has been over a year, and they have yet to remove this bankruptcy. Last year in XXXXXXXX XXXX Experian stated they verified the account with XXXX XXXX. XXXX XXXX replied saying they could not locate the bankruptcy that Experian is claiming to verify. They sent me a letter showing it was not found. So how can these companies continue to report this on my consumer report. They have no permissible purpose and it simply states in 15 USC 1681b these companies must have permissible purpose. I also contacted the US Bankruptcy court and PACER they both responded that they do not provide Experian, Equifax, and TransUnion with any information. These companies are violating my rights as a consumer and the CFPB is supposed to protect me from companies like these.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for 8 years and I have never lived in these addresses reported on my FICO report. Also the my name isnt corrected as well my name is XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following ( 8 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 641.1 Duties of users of consumer reports regarding address discrepancies. The following addresses listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Debt collection

XXXX sent me on XXXX their rules and regulations but no proof as to why this inaccurate acct is on my credit report.
Product: Mortgage

The mortgage company blocked me from being allowed to make loan payments via check online. I tried to call to explain that what happened is I switched banks. Before what I did was input my banking information the previous day and the money would come out the next business day because it was guaranteed funds in the account the next day. I didn't have an issue until I switched to XXXX. It took me two times to figure out that i would have to make the payment the day the funds were in the account because it pulls with them overnight. On the second time is when i was blocked from making check payments online however i explained what happened and that if they looked in their records they would see that i made the same payment amount when this was noticed so i shouldn't have been blocked. They want to argue that this isn't the first time this happened but it was a habitual or done maliciously. They want a check sent, etc however I will not be sending anything in the mail however I will guarantee that the mortgage will be paid every month.
Product: Debt collection

I have not received any notification before hand. The first I learned of any money owed id ] s when it was added to my credit report. They didn't contact me at all to inform me that I owed them any amount of money. Nor did they notify or contact my daughter whom was on the same account with me.