23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

My husband who 's primary language is XXXX purchased our wedding rings from XXXX XXXX. He was told at the time by the sales associate, who was also Russian speaking and went over this info in XXXX so my husband would understand that the rings would be on a special promotion of 0 % interest until the balance was paid, it was important that we buy the rings now - which was literally 4 months before we needed them, but it was such a good deal he decided to go for it. 
We have been paying on the rings online like good little troopers until we saw the balance shoot up by {$1200.00}, apparently the promotion we were told about was not true, it expired after some period of time. I asked my husband for the financing agreement, he said he never got one, he just signed a signature box in the store - he took the word of the sales associate. 
Both myself and my husband have called XXXX XXXXXXXX on multiple occasions and filed disputes. Every response we get to the dispute does not address the problem - we were lied to about a promotional interest rate. On the third attempt the call center representative event admitted that they get these complaints all the time before she transferred me to the manager.
The manager told me that our complaint was n't ' valid because the printed statement says that there was an expiration date. I reminded the manager that we pay this account on line and rarely open a bill, never less go searching for some inconspicuous notifications about their fake promotions! Furthermore, the problem is that we bought these wedding rings under false pretenses - what can we do now GIVE BACK THE RINGS? In my world that 's called a bait and switch. The manager said he would forward the complaint to their legal department and someone would call me in 3 days - its been a week and I have not back from anyone. I am tired of the merry go around with Zales Outlet and their unsavory business practices. I hope that someone can check in on how they do business, I know we are not the only people dealing with their shenanigans.
Product: Checking or savings account

I wrote a check on XX/XX/XXXX for {$110.00}. It was cashed on XX/XX/XXXX and available funds after. They even told me it showed available funds after. It bounced anyways.
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. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called many times to have my hard inquires looked at. I have so many on to list! I have stated to remove all that werent linked to an account on my credit file and it still wasnt done. As I should mention I am single never married. I had a man on my credit file with me and was recently deleted. My date of birth was incorrect an My spelling of my name, Which all was taken care of please review my inquires hard an soft as if none are connected to an exisiting account I need them removed as I have rights an would like to finally have some help fixing my credit with what this man has done. THANK YOU!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get a home equity loan. I looked up my credit score through XXXX XXXX today, XX/XX/20. They're a subscription service that provides all three credit bureau scores. They show a credit score with Equifax of XXXX, but XXXX where I've applied for the loan says my score from Equifax is only XXXX. Both companies said to call Equifax for an explanation, but two different Equifax customer service reps would not respond to my question of why both companies have different scores and which one is correct, nor would they give me any information to show XXXX. I'm unable to get my loan and all three companies point their finger at the others. I also contacted Equifax and asked to file a complaint with them, but they would only transfer me the the same customer service reps that I want to complain about! Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Against Experian for Non-Response and Refusal to Remove Inaccurate Inquiries Dear Sir/Madam, I hope this letter finds you well. I am writing to lodge a formal complaint against Experian, one of the major credit reporting agencies, for their failure to respond to my letters and their refusal to remove inaccurate inquiries from my credit report. 

Over the past XXXX months, I have made repeated attempts to address the presence of inaccurate inquiries on my credit report, which I did not authorize or initiate. In my letters to Experian, I provided specific details about the erroneous inquiries and requested their immediate removal. Despite my efforts, I have not received any response from Experian, nor have they taken any action to rectify the inaccuracies. 

This non-response from Experian has left me in a state of frustration and distress, as the inaccurate inquiries are having a detrimental effect on my creditworthiness and financial reputation. I am deeply concerned that these unauthorized inquiries may lead to potential identity theft or fraudulent activity, which is alarming and unacceptable.

I kindly request the Consumer Financial Protection Bureau 's intervention to ensure that Experian promptly addresses my concerns and takes the following actions : 1. Conduct a thorough investigation into the presence of inaccurate inquiries on my credit report. 
2. Verify the legitimacy of each inquiry and confirm whether I indeed authorized them.

3. If any inquiries are found to be unauthorized or inaccurate, Experian must delete them from my credit report immediately.

4. Provide me with a written explanation of the investigation 's outcome and the steps taken to rectify the situation. 
It is my right as a consumer to have accurate and reliable credit information, and I believe Experian 's refusal to respond and act upon my legitimate concerns is a violation of the Fair Credit Reporting Act ( FCRA ). 
Enclosed with this letter, you will find copies of the previous letters I have sent to Experian, outlining the specific inaccurate inquiries that need to be addressed. 

I trust that the Consumer Financial Protection Bureau will treat this matter with the seriousness it deserves and take appropriate action to ensure that Experian complies with the FCRA and promptly resolves this issue. 

I kindly request that you keep me informed of the progress of your investigation and any actions taken to rectify the situation. Please feel free to contact me at the provided email address or phone number if further information is required. 

Thank you for your attention to this critical matter. I look forward to a swift resolution and the removal of the inaccurate inquiries from my credit report. 

[ Enclosures : Copies of previous letters to Experian ]
Product: Prepaid card

This is the continuation ( NOT DUPLICATE ) of CFPB case XXXX. ( Company internal case XXXX ) The reason I re-submit the complaint is that the XXXX XXXX XXXX PROMISED to send me refund check of {$1500.00}, BUT they only actually sent me check of {$1000.00}. Please see attachment of the check stub for the detailed amount info.
Product: Credit card

ATTN : LENDING TEAM I applied for a Credit Card on today XX/XX/year> and got Denied. I called Customer service XXXX when, asked to speak to the Underwriter and he could not help me. Regardless of the REASON for being DENIED. I have a right to Credit with holding my ACCESS TO My Securities. That's XXXX XXXX you are violating the EQUAL CREDIT OPPORTUNITY ACT & Consumer Credit Protection Act. Title 15 subsection 1611 false and misleading denial of my own CREDIT. Send me the documents to show me HOW MY Consumer Transaction was HANDLED, Because after Reading the E.C.O.A It tells you Not to discrimination against ANY CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted a complaint through the CFPB complaint # XXXX stating WAYPOINT RESOURCE GROUP was using Color of Law to publicize and furnish inaccurate and private information that has resulted from its own acts of Fraud and Identity Theft as defined by 15 USC 1681a ( q ) using extortionate means to collect on debts not owed which is a crime. 

In the attachment I requested this agency provide PROOF it acted with Lawful authority when it obtained and shared my information to consumer reporting agencies, and in their CFPBn response they FAILED to do so. 

On XX/XX/2023, someone by the name of XXXX XXXX XXXX responded to that CFPB complaint on behalf of WAYPOINT RESOURCE GROUP stating that after investigating my claim, and making attempts to contact their alleged client ( assuming this is the alleged original creditor ) and that she coded the account as FRAUD in their system ; However she failed to confirm the account would be deleted form all third party consumer reporting agencies. 

This is another violation of federal law 15 USC 1681s-1 ( a ) ( B ) which clearly states : " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.
Product: Credit card

Capital One Bank sent me XXXX credit cards under my account, XXXX for me and XXXX for my spouse. The card for my wife was never activated and never used. My wife has her own card with Capital One. Capital One creates a XXXX account for her and sends her a credit card directly without notice to me. Thus, she has XXXX credit cards from Capital One : XXXX of her own and XXXX to me. She incurs XXXX charges totaling {$400.00} on the XXXX card I know nothing about. XXXX, How can Capital One hold me responsible for her charges on a card I never authorized or had any knowledge of?
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts pop up on my credit report this morning, and I have no idea how they got there. I check my report regularly, and everything has been fine until today when these unexpected discrepancies appeared. I even refreshed my browser hoping it was just a glitch, but it wasnt. The incorrect accounts stayed. Now, Im asking that the documents Ive provided be reviewed carefully so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that I had a hard inquiry on my credit report on XX/XX/XXXX by a company called BILL ME LATE/PayPal. They even used an old address on the inquiry. I contacted XXXX and they told me Id have to contact the company and they gave me the number of the company from report. 
Called the number and it was to PayPal XXXX. They transferred me to fraud dept supposedly and I spoke to a XXXX that said account would be closed and a fax sent to all 3 credit agencies to remove the hard inquiry. He gave a report number of XXXX. The next day I got another alert that the credit card was opened. 
XXXX # XXXX XXXX # XXXX XXXX # XXXX I keep getting alerts even as of today XX/XX/XXXX that the PayPal CC was opened in my name. 

Called XX/XX/XXXX PayPal Fraud at XXXX and spoke to a XXXX that was very rude and told me that the CC was closed 6 days ago and said that nothing would be sent to the credit agencies until they did their investigation which could take up to 90 days to decide basically if Im lying or not!! I am so upset as I have an 800+ credit score which keeps going down due to this company! I did a search regarding this company on your site and they have done this before and there was even a judgment in XXXX!!!! Evidently they are doing this again!! 
PLEASE HELP
Product: Money transfer, virtual currency, or money service

I am writing to file an official complaint against the website www.cryptodispenser.com for engaging in fraudulent activities and failing to provide any form of customer support. It has come to my attention that this website has scammed not only myself but also numerous other individuals out of their hard-earned money. Despite multiple attempts to contact their support staff, I have received no response via phone or email. 

On [ XXXX ], I deposited {$30.00} at a XXXX location , as instructed by www.cryptodispenser.com. I have attached a copy of the receipt as proof of my transaction. However, upon attempting to withdraw or send the funds, every transaction has resulted in a " failed '' status. This clearly indicates that www.cryptodispenser.com is operating dishonestly and intentionally deceiving its users. 

The lack of any available support staff is deeply concerning. The provided phone number never answers calls, and emails sent to their designated email address have gone unanswered. This complete absence of customer service demonstrates a blatant disregard for the concerns and issues faced by their users. 

I would like to emphasize that www.cryptodispenser.com is undoubtedly a fake and fraudulent platform. Their actions have caused financial loss and emotional distress to myself and countless others who have fallen victim to their scam. It is imperative that immediate action be taken against this website to prevent further harm to unsuspecting individuals. 

I kindly request that the you thoroughly investigates this matter and takes appropriate measures against www.cryptodispenser.com. It is crucial that they are held accountable for their fraudulent activities and compelled to refund the money they have unlawfully obtained from innocent individuals. 

Thank you for your attention to this matter. I trust that you will take swift action to address this issue and protect consumers from falling victim to www.cryptodispenser.com 's scam.
Product: Money transfer, virtual currency, or money service

" On XX/XX/year>, I initiated a transaction with the Cash App for an amount of XXXX dollars to send money to a friend, but I had to cancel the transfer. A few days later, when I asked Cash App where my refund was, they claimed to have returned the money to my bank ( XXXX XXXX XXXX  ) on the debit card I used for the transaction. When I spoke to XXXX XXXX, they told me the money never arrived even after more than a week. XXXX filed a claim, but the bank said it closed the claim because it is limited in relation to Cash App. I continued to follow up for several days, but both companies are saying that my money is not in their possession and are blaming each other. Can you please help me resolve this issue and recover my money, which I urgently need? ''
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX Address : Account number : Your NAME : XXXX XXXX Your address:XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Debt collection

1. A letter from me to Central Financial Control dated XX/XX/XXXX ; 2. An original of a sworn affidavit signed by me captioned as an Authorization For Release Of Personal And Medical Information And Records dated XX/XX/XXXX ; 3. A letter to me from XXXX XXXX of Central Financial Control dated XX/XX/XXXX ; 4. A letter to me from XXXX XXXX of Central Financial Control dated XX/XX/XXXX ; 5. A debt collection demand letter dated XX/XX/XXXX to me from Central Financial Control ; 6. A letter from me to Central Financial Control dated XX/XX/XXXX which contains as attachments the XX/XX/XXXX debt collection demand letters that I received ; 7. A letter from me to the Administrator of XXXX XXXX XXXX XXXX dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$9300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$510.00} XXXX {$2500.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$180.00} XXXX XXXX   XXXX $ XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$150.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Money transfer, virtual currency, or money service

I've deposited {$2000.00} into an account on Coinbase. Two weeks ago I was logging into my account and I wasn't able to log in. I submitted a service ticket. Since then I've submitted close to 50 emails, blog posts and made multiple phone calls. The only thing I've received from them are automated email messages and their phone representatives tell me that the issue has been escalated. I have no visibility to my funds and can not remove them from the market. I've spent countless hours trying to find a way to get their attention only to find thousands of more people that are having similar issues. Coinbase took my money and has charged me plenty fees and now are keeping from my funds. People need to know about this before they invest their hard earned money. The emotional toll that this has taken on me has been severe.