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

On several occasions I requested that XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX be removed from my credit report. By unlawfully applying interest charges that were not authorized, XXXX and XXXX XXXX XXXX, a debt collection agency, used ambiguous, misleading and abusive means to collect a debt. XXXX and XXXX XXXX XXXX, a debt collection agency Failed to name the original creditor as requested, Failure to provide date of original debt, first missed payment that led to the charge-off. When I contacted XXXX and XXXX XXXX XXXX, I was informed that the changes in debt amount was due to interest and fees. When I requested information on the original creditor from XXXX and XXXX XXXX XXXX, the only referred to the company as " client, never releasing specific information so I could validate and research the account. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX and XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out lawsuit that XXXX and XXXX XXXX XXXX, loss due to these unlawful practices the Credit Reporting Agencies allowed XXXX and XXXX XXXX XXXX, to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. Below is just some of the information that causes me further harm. 
XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXX AND XXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1200.00} XXXX XXXX  XXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e Falsely representing that they were entitled to charge an amount they were not entitled to in violation of 1692e ( 2 ) ; Threatening to charge a fee in which they were not legally entitled to charge in violation of 1692e ( 5 ) ; Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
Product: Checking or savings account

A check was deposited by myself and the joint owner navy federal placed a hold on the check the hold was then took off and i have other payment providers through my online buisness navy federal then restricted my account due to activies that my online automated account modification programs automatically adjust payments posted from sales comission etc.since navy federal does not seem to understand the nature of my buisness a restriction was placed on my account and adjustments can not be made causing major financial losses of over {$1.00} a week. Furthermore a check deposited to my account appeared to be potentially to have negative status to my account navy federal reviewed this check placed a hold on the check even though myself or the joint owner hasnt attempted to access funds from that check until the institution clears or deems the check no good than its the banks responsibility to remove adjust or disregard a non valued payment instrument not the account holder this check was payment for a vessel that the bank has to my knowledge didnt honor or to my knowledge already adjusted this bank has violated also discriminated the nature of my buisness i am a XXXX also i XXXX XXXX XXXX XXXX XXXX XXXX the banks lack of knowledge of these ventures i believe the bank made an assumption of my character based soley on appearance made judgement and acted on a unprofessional way that caused my income to deteroirate also i still have account restrictions that i cant access certain things
Product: Money transfer, virtual currency, or money service

I wrote coinbase through their help section and got nowhere. it seems my account was hacked and my email and or my password was changed.coinbase tried to charge my bank {$33000.00}. This is what I wrote : I notified you of the problem a week ago and have heard nothing. My account was hacked, coinbase tried to charge my bank {$33000.00}. I found it and reported it. It was stopped, however I can not access my account. who ever hacked my account evidently tried to buy crypto through my account. I am going to have to file a fraud complaint with the US Consumer Financial Protection Bureau ( CFPB ), the federal bureau and SEC. From my bank records this was submitted on XX/XX/XXXX. My name is XXXX and my email is : XXXX and my phone is:XXXX. You should have all this. I think my account was changed somehow and when I try to sign in it doesn't even get to 2 step verification and instead says, invalid email or password. I have my recovery phrase, my bank account statements etc. I need to have this problem fixed, and if it is done by way of email I need it in plain understandable english. Preferably talk to someone. When it is fixed I will take the app off my phone as I don't really need it and I think this also might be a problem as I had a problem also with it. A device change that I never did that was also fixed. I have a friend that is a federal agent that works in bank fraud and he said he will help and so far I am doing the right thing and to give you a couple of days. Today is XX/XX/XXXX and I will wait till XX/XX/XXXX. If you need I have copies of everything including this. Also I tried with another coinbase help site and the 6 digit verification code never gets sent to me. Thank You I have the statements from my bank that have all transactions, I have been with coinbase since XXXX so there are plenty of bank records. These are from XX/XX/XXXX, They are all on XX/XX/XXXX : ACH HOLD Coinbase.com ( XXXX, XXXX, XXXX, THESE THREE WERE FOR {$10000.00} EACH ) next, ACH HOLD Coinbase.com ( XXXX, XXXX, XXXX THESE THREE WERE FOR {$1000.00} EACH ) THE LAST ONE ( ACH HOLD Coinbase.com XXXX  ). WHAT I AM ASKING IS FOR THEM TO REPLACE THE ACCOUNT TO WHERE IT WAS, The last time I could see it was somewhere around {$14000.00} if I remember correctly. I have all the bank records if I need them, all my ID and my recovery phrase and the addresses when I opened this account. I can't get them on the phone ( XXXX ) and the help section does not work. They should be able to know the account that tried to buy through my account or cleaned out my account or my account is still in good standing and I have no way to access it. If I can I would probably lose it and open a new one but with a better security and not use an app. to put it on my phone. I was also told to file with SEC AND FBI. I will wait for you. Thank You XXXX
Product: Credit reporting or other personal consumer reports

My accounts 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/updated.

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. 

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!
Product: Checking or savings account

an account with Regions financial was opened XX/XX/XXXX. This was NOT done by me. I was notified to a identity monitoring service XX/XX/XXXX. I called XXXX  and they helped me freeze XXXX  on XX/XX/year>. I will freeze XXXX  and XXXX today. I also called regions and they want me to fill out a form to file a formal complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint and request the removal of inaccurate and unverifiable information from my credit report. The following accounts have been reported as charge-offs on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report, I noticed that these accounts were reported inaccurately. I exercised my right under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i to dispute the completeness and accuracy of these accounts with the credit bureaus. However, the dispute results indicated that the accounts were " verified '' without providing any tangible evidence of the investigative process or proper validation of the debts. 

The failure of the credit bureaus and furnishers to provide sufficient evidence of the investigation or their procedures for verification constitutes a violation of my rights under the FCRA. Specifically : Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), a credit reporting agency must provide a description of the procedure used to determine the accuracy and completeness of the information if requested by the consumer. 

Under FCRA 1681s-2 ( b ), furnishers of information must conduct a thorough and reasonable investigation when a dispute is filed.

Under the Truth in Lending Act ( TILA ) 15 U.S.C. 1666, creditors are required to provide accurate billing and reporting practices, and failure to do so constitutes a violation of the Act. 

Due to the lack of evidence proving that a proper investigation was conducted and the absence of documentation supporting the validity of these accounts, I formally request that the charge-offs be deleted from my credit report immediately. 

I kindly ask for your intervention in ensuring that the credit bureaus and furnishers comply with their legal obligations and remove the inaccurate information. If necessary, I am prepared to escalate this matter further, including seeking legal recourse for non-compliance with federal regulations. 

Please provide a written response regarding the steps that will be taken to address this matter. I appreciate your time and prompt attention to this urgent issue. 

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

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name : XXXX Funding ; Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Repeatedly reporting C/O every month Every time your account updates the statute of limitations is extended, every update makes the account look newer than it is. Reaging the account is illegal.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate costumer 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. 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: Checking or savings account

I contacted Capital One Bank on XX/XX/23 because I had just gotten a direct deposit and needed the money. They let me take out {$1000.00} but refused to give me all my money. Because they were unable to verify a check that had been paid by my husbands bank. They also said it can take months to process this request. I just want my money and to never have to deal with them again.
Product: Student loan

In XXXX, I began to experience harassment from Discover Student Loans. I had never received any billing statements or been advised of amounts due. The situation escalated when they began calling my elderly father every day, resulting in considerable distress for him. 
To stop the harassment, I agreed to let Discover extract $ XXXX/mo directly from my credit union account on the XXXX of each month, which they have done since XX/XX/XXXX. They stated that this would stop the harassment calls, but that I would continue to get threatening notices by mail, which I did receive. These notices include threats of turning my account over to a collection agency, even though payments were being made. I consider this to be an additional and unnecessary form of harassment, after agreeing to automatic payment arrangements. 
The most recent payment was removed from my bank account on XX/XX/XXXX. There has never been any problem with my monthly payments. Funds have been available every month, and all payments have been processed as agreed. My records show that this agreement is in effect until XX/XX/XXXX. 
On XX/XX/XXXX I began receiving emails stating that my account was unpaid and overdue as of XX/XX/XXXX, despite the fact that Discover was still removing {$370.00} from my bank account every month. This email harassment has continued almost daily. My phone is showing 30 missed calls from ( XXXX ) XXXX, which is more than ridiculous. I have called Discover,  and was told that I did not have any sort of payment agreement with them. If that is the case, how are they still taking money out of my credit union account every month? I have also sent messages several times per week via their online message center. I have received only generic replies. My online account center shows that the payments have all been made, and my bank statements also prove this. 
I am fed up with this harassment. Discover has failed to correct their error, and I am sick and tired of trying to resolve this matter with them. Their pat response is, Well, you need to call a different number so one of our account specialists can help you. That number is already unattended by the time I get home from work. I am not wasting any more of my time on these incompetent morons. They have had every opportunity to resolve this matter, and have failed to do so. My account is NOT overdue. My payments have been made every month as agreed. I have never agreed to any change in terms or due date, nor have I been advised of any status change regarding my automatic payments.

I am requesting an investigation to determine why my payments are not being acknowledged and/or credited to my account. Im sure Im not the only person who is experiencing this type of unnecessary harassment from Discover Student Loans. This should be a very simple matter to resolve, yet Discover has refused to do so.

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right after I graduated in XX/XX/2017 and searching for employment, Hurricane Harvey hit us bad and destroyed our home, injured my father and no income to the family other than Disaster Unemployment. 
I contacted XXXX and requested for relief which was provided to me. I was able to find a very low income temporary employment and requested XXXX for additional payment relief and provided all forms and documents they requested but they kept saying they did not have all the documents until I was able to work with a rep who watched for my email and confirmed receipt of all documents. BUT, XXXX XXXX, 2017, XXXX reported 14 ( THIRTEEN ) late payments to Credit Bureaus. 
Every time I speak to someone at XXXX, I get a different representative giving me a different set of information. A few months ago, one representative spoke to his supervisor and told me a request was sent to Credit Bureaus to remove these delinquencies but they have not been removed yet in 3+ months. I If the issue is not resolved within 30 days then I will take this matter over to the Court.
Product: Credit card or prepaid card

I applied for the Delta Gold Amex card on XX/XX/XXXX17 with a promise of XXXX Delta miles and {$50.00} statement credit for Delta purchases after the card is approved and {$3000.00} spend is completed. The requirement for the bonus has been completed over 12 weeks and the miles have not been posted to my Delta account or even the {$50.00} statement credit did not post to my account after a Delta purchase. I opened a case with them 8 weeks back and they keep saying that they know of the issue and are still researching it.
Product: Credit reporting or other personal consumer reports

By 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 XXXXXXXX has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction. 

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 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 or other personal consumer reports

CFPB Complaint - TransUnionXXXX Subject : Incorrect Reporting of Charged-Off Account by XXXX XXXX. After Sale XXXX XXXX XXXX  Details of the Complaint : I am filing this complaint to report a violation of the Fair Credit Reporting Act ( FCRA ) due to inaccurate reporting on my credit report by both TransUnion and XXXX. 

The issue is with an account from XXXX XXXX ( Account # XXXX ), which is still being reported as charged off despite the fact that the account was sold to XXXX XXXX XXXX. According to my credit reports, the account status indicates that it was sold to another lender, and the balance is reported as {$0.00}. However, XXXX XXXX is still reporting the account as a charge-off, which is inaccurate and misleading. 

Key Points : XXXX. XXXX XXXX no longer owns this debt as it was sold to XXXX XXXX XXXX. Therefore, they have no legal right to report a charge-off after selling the account. 
XXXX. Both TransUnion and XXXX are allowing duplicate reporting of the same account. XXXX should not be reporting a charge-off after selling the account, and this creates inaccurate and misleading information on my credit reports. 
XXXX. This reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding accuracy and completeness of information. 

I request that both TransUnion and XXXX : Immediately remove the XXXX XXXX account from my credit report. 
Ensure that the correct party ( XXXX XXXX XXXX ) reports the account status accurately. 

I have attached copies of my credit reports from both TransUnion and XXXX as supporting evidence, showing that XXXX XXXX is still reporting the account after it was sold. 

This inaccuracy is negatively impacting my credit profile and needs to be corrected immediately to comply with federal regulations. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX 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 Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX Late/closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} - Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX Late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXXXXXX Late/Open XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$250.00} - Collection XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX  Collection XXXX-XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish any data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceeding XXXX Thank you for your timely compliance!