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

Dear Credit Bureau, Regarding the following account ( s ) : XXXX XXXX / XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, XXXX, Experian ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit card or prepaid card

Paypal Credit includes an amount listed which is called " Amount to avoid Standard and Deferred Interest '' - this is fairly typical for most credit card companies but the difference is that Paypal Credit lists this number once per statement and it's static. The number does not change. So if you owe {$500.00} to avoid interest and then you pay {$400.00} it will still say {$500.00} is due to avoid interest. I feel this is a violation and is in place to confuse the user so they may not realize the entire amount has been paid. Many companies take this a step further and when you select " make a payment '' there will be an option for the amount to avoid interest. This is incredibly helpful for users to see what is left to avoid interest. However, Paypal only has " minimum '', " statement balance '' and " current balance '' ... There should be another option to pay the balance to avoid interest and that amount should be dynamic and update as you make payments...
Product: Debt collection

I have 2 portfolio recovery accounts on my credit report. I have disputed these accounts. I have reached out the the company multiple times asking for the original purchase agreement and never received. Therefore this information is unverified & inaccurate and needs to be deleted from my report ASAP.
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 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 in 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 XXXX 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 UCS1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to update the inaccurate account which another credit reporting agency found to be inaccurate and had already updated. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX XXXX : {$2000.00}
Product: Credit card or prepaid card

On XX/XX/2020, I received a statement from the bank, dated XX/XX/XXXX-XX/XX/2020. This was surprising, because I have not used this card for a very long time, it has been in my possession but I have not made any charges at all, and the balance has been XXXX for all that time and I have not had any statements mailed out. The statement has two charges of {$3100.00} and {$120.00} which I did not make or recognize. In accordance with procedures, I immediately sent a letter in writing to the bank 's account servicing address stating this - on XX/XX/2020. A copy of the letter is enclosed. As of today, XX/XX/2020 I have no response from the bank.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent account and inquiries in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these account and inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these account and inquiries are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

RC Willey has misrepresented the amount I owe and have taken an action that threatens to take this to attorneys to charge for the amount I do not legally owe. RC Willey is giving false information that is deceptive and misleading information. 

The items that RC Willey is claiming is significantly more and has been reporting this incorrectly to the credit bureaus. I have communicated that the deliveries have not happened and demanded a full refund. 

The company has failed to provide a refund and since I did not receive the merchandise I am hereby asking for assistance. 

RC Willey is violating the Fair Credit Reporting Act and acting unethically as I have sent them various emails to address this matter and have gone without response other than threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A FEDERALY PROTECTED CONSUMER AND I KNOW I HAVE FEDERAL RIGHTS. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request XXXX provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by AGREEMENT, XXXX can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority does XXXX have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us VOID AND UNENFORCEABLE. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which Congress enacted in XXXX which is still LAW AND IN EFFECT STATES THAT LATE PAYMENTS SHOULD NOT BE PUT ON CREDIT REPORTS WHEN CONSUMER INFORMS INSTITUTIONS THE NEED FOR ACCOMODATION DUE TO THE GLOBAL PANDEMIC CRISIS WHICH I I HAVE BEEN EFFECTED AND I FIRST REACHED OUT AND ASKED FOR ACCOMODATION IN XX/XX/XXXX WHICH XXXX DENIED ME, AND CONTINUED TO REPORT LATE PAYMENTS ON MY CREDIT REPORTS WITH NO ACCOMODATION NO PROTECTION PER THE CARES ACT. I SHOULD HAVE BEEN PROTECTED AND RECIEVED ACCOMODATIONS PER THE CARES ACT due to my situation. And Since there is no law under the Fair Credit Reporting Act requiring this financial institution to report negative information to consumer reporting agencies, XXXX APPEARS to knowingly be reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act and the CFPB has been investigating and taking action against institutions and companies. Like recently CFPB XXXX XXXXXXXX XXXX XXXX who did not implement protection under the CARES ACT on behalf of the consumers. XXXX companys policy does not supersede Federal Law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to all credit reporting agencies immediately to prevent my consumer credit reputation from further harm and stopping me from extending credit in commerce which is my right due to XXXXXXXX XXXX not complying with the CARES ACT which is still LAWFUL I understand that Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including engaging in unfair, deceptive, or abusive acts or practices.
Product: Credit reporting or other personal consumer reports

I noticed that an account that this XXXX is not reporting accurately. I have a late payment showing on an account that was, actually, paid on time. This account was not late in the month of XX/XX/2018. I've attached a copy of my credit report to this complaint. I am requesting that you investigate this account and update this payment to be paid on time. Thank you for you understanding and prompt action regarding this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX. 
XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX. 
XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX. 
I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I transferred {$21000.00} from my checking account to my Coinbase account. I did larger transfers in the past without any problems. I linked a new checking account which I share with my XXXX and sent the money. My account was immediately restricted for almost 2 months. I can not use the money and Coinbase refuses to send it back to my account. They are holding my funds XXXX and when I called did not tell me the reason why. They are forcing me to wait until XX/XX/year> to access my funds. They should never have accepted my money if they were going to restrict my account. Obviously, I would have never done the transfer if I knew they were going to restrict my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Only TransUnion is reporting this and is damaging my credit score. 2 other  bureaus has complied with the fraud on this charge
Product: Credit reporting or other personal consumer reports

The company has stated they will allow an incorrect account to remain on my report. I initiated a dispute informing Equifax that the information does not follow the law by reporting to my credit report. Equifax specifically started " the incorrect account will remain '' and I have proof of this.
Product: Credit reporting or other personal consumer reports

I have raised a Dispute with XXXX, Equifax, XXXX for a closed XXXX XXXX credit card account XXXX with XXXX XXXX . The Creditor ( XXXX took over XXXX XXXX XXXX relationship with XXXX XXXX XXXX cards ) has no record of a credit card account for SSN ending in XXXX. Address of the Creditor has multiple versions with each of the credit score providers ( find below ). I am not liable for credit card account XXXX with XXXX XXXX and am requesting assistance to remove the account from each of the credit score providers : XXXX, Equifax, XXXX. 

XXXX - Online Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX Equifax - Online Account : XXXX XXXX XXXX XXXX XXXX XXXX Equifax - 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have attempted multiple times to setoff / discharge an auto loan with Chase Auto/ JP Morgan . Each communication has been ignored. At present, said company has sent a letter of threat for repossession of automobile. I am a secured party/ creditor / and POA of this account and am the beneficiary of the all caps entity name attached to this account. In addition, I have common law copyright of the all caps ENTITY and BC name. 
XXXX XXXX of JP Morgan has been appointed as fiduciary of this account. In addition, I am prepared to put JP Morgan and the auto dealership on notice of arbitration as the contract that is signed has a fraudulent/unauthorized/forged signature on the contract. I, as the living woman, who never received a copy of this contract on night of signing said contract am seeking remedy as has been communicated multiple times since XXXX. I am the entitlement holder/authorized representative/and POA of the FULL FAITH AND CREDIT birth certificate and SSN number. I have submitted copies of all documents to the IRS, the XXXX XXXX, and the FDIC depository regarding my complaint with this account. I can and am able to provide tracking of all documents submitted over past three months and am prepared with a HEFTY fee schedule from my trust for arbitration of this account. This too has been submitted to JP Morgan and ignored. At present, as the entitlement holder in due of course of this forged contract ; I want JP Morgan to do their fiduciary duties as has been requested and discharge this account appropriately as the contract has unauthorized forgery on it and is illegal as full disclosure was never given about my living woman being used as a transmitting utility for the all CAPS fictitious ENTITY created via the registration of birth certificate by the XXXX  UNITED STATES OF AMERICA XXXX.
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 has violated my rights. 
XXXX Account # XXXX has violated my rights. 
DPT EDXXXX Account # XXXX has violated my rights. 
DPT EDXXXX Account # XXXXhas violated my rights. 
XXXX ( original XXXXXXXX XXXX ) Account # XXXXhas violated my rights. 
XXXX XXXX ( original XXXX XXXX XXXXXXXX ) Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX  Account # XXXX has violated my rights. 
XXXXXXXX XXXX  Account # XXXX has violated my rights. 
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 an 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 or other personal consumer reports

I notified XXXX several times that inquiries from XXXX XXXX  and Santander  were not made by me. They did not investigate properly nor have they removed the inquiries from my report. I filed a complaint with you and FTC in XX/XX/XXXX. XXXX XXXX  actually took the time to investigate and they determined that I was NOT responsible for the account created fraudulently. They have deleted the account and inquiry from XXXX twice! However, XXXX insist that they havent received any request from them. 
( I attached the letter from XXXX below ) Santander- they responded to complaint : XXXX. That I applied for credit and I absolutely did not. The letter provided was not proof that I submitted an application with Santander or XXXX. To make matters worse, I received another denial letter dated XX/XX/XXXX as if I applied for credit with them yet again!! The notice will be attached below. At this time, I feel like Im being harassed by Santander. I have not and will not ever apply for credit with them! Directly or indirectly. 
Lastly, the inquiry dated XX/XX/XXXX w/Santander has not been removed. Its been over two years.
Product: Credit card or prepaid card

I have been with Square Inc for over a decade for credit card processing for XXXX XXXX. They started a new card ( like a debit card ) called the Square card where you can use your funds. I got it and a week later, I had 2 fraud charges from the same place. I called Square to report it, and they told me they would place a block from that merchant. Well, they didnt because I had another fraud from the same company. Now, Square is saying they will not credit my account the fraud charges because it showed the card was used in person. There is ZERO chance of that because I have never been there ... except after all these fraud charges I went there. They said they have no charges from me ( because I have never been there ) and their records do not show them getting money in those amounts at all. They also said they bought that XXXX a year ago so maybe someone had hacked into the old computers to get information. I believe a skimmer at a gas station or something like that captured my information and then made a card. That all I can think of. 
Square has treated me so poorly and they wont do anything about the fraud charges. Can you help me please? 

XXXX XXXX XXXX XXXX {$62.00} XX/XX/20 at XXXX Is the charge that is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that MAJR FINANCIAL CORP have placed an inquiry on my XXXX credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX XXXX XXXX and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report  under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear AMERICAN EXPRESS , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number:XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for well over a year maybe to get 4 credit accounts off of my credit report. The items are XXXX XXXX Account # XXXX {$8300.00}, XXXXXXXX XXXX  Account # XXXX for {$8600.00}, XXXXXXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX. I am unable to dispute online or with customer service representatives as my credit report is said to be handled by a special department and its hard to get in contact with them due to work schedule. But I have mailed in my FTC Affidavits and police reports and Equifax still doesn't remove the items. Disputing as fraudulent and these need to be removed as it is causing me financial harm right now.
Product: Debt collection

JEFFERSON CAPITAL DEBT COLLECTION FOR XXXX XXXX, {$1000.00} OPENED ON XXXX STAY AT XXXX XXXX , DUE TO IDENTY THEFT. PLACING POLICE REPORT. NOTIED JEFFERSON CAPITAL IN XX/XX/year> OF FRAUD.
Product: Credit card or prepaid card

On XX/XX/2023, I called Chime customer service number ( XXXX ) to inform them of my travel to XXXX to be able to use the card while there. After contacting them scammers stole all my funds leaving me with {$2.00}. Chime insists there was no wrong doing and insist I made those transactions. Scammers are really good and make it look like your responsible.