23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

" We conducted an investigation and believe these transactions are valid and belong to you. Therefore, we are respectfully declining your request for permanent credits of those disputed transactions. '' Again -- No reason at all given for your XXXX conclusion ... I will be  showing all of this to the credit bureaus when the time comes and also the debt collection agency that will be one day be calling me on behalf of Capital One regarding the charges ... Again -- I am not paying for these charges because I am not responsible for them as I did not make the purchases -- which I just got done pointing out and you still have the audacity to not give a reason for your supposition, and then tell me you " respectfully '' decline my request to be permanently credited, right in front of the CFPB!! There is nothing " respectful '' about that. You people are brazen!! Again -- I refuse to pay for fraudulent charges which you still won't because you can't show any proof of your claim. And I consider this matter closed ... Also I will never EVER patronize Capital One again. Have a great day!
Product: Debt collection

Just received debt validation from company that verified the agency is trying to extort for double the amount. This needs to be removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I received an email saying my payment was posted. Tried to use card it was denied. I called company was told my bank waS holding the funds. Called my bank and was told they were not holding funds. Made payment on the XXXX. TOLD by credit card company it waS posted on the XXXX. Then told it wouldnt clear until the XXXX. In the email it said it would take XXXX days for payment to process. 
Walmart capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo, XXXX XXXX and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See  attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers
Product: Checking or savings account

My Wells Fargo wire transfer to XXXX XXXX was returned after they held my money for a week. Nobody contacted me or the receipient about trying to solve the issue before it was returned. However XXXXXXXX XXXX XXXXXXXX didn't return my full amount I sent. They deducted {$42.00} from the amount that was supposed to be wired. Nobody asked them to send it back. Now they refuse to return the money they stole from me. They are thieves. No service was given to me but they still charged me. Shame on XXXXXXXX XXXX XXXXXXXX. They should return my {$42.00} they took without informing me. Now XXXXXXXX XXXX XXXXXXXX is pretending not to exist. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
As a XXXX account holder I'm disappointed that Wells Fargo isn't protecting me. I initiated the wire through them but they accepted a lower return amount. As their customer they should help me retrieve the money and not see XXXX XXXX stealing from me and allowing it to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Im reaching out to dispute a fraudulent credit inquiry on my report that was never made by me. This inquiry is not authorized and is a clear case of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within my credit report under the Landlord-Tenant History there is a judgement. The disposition of the judgement reads : JUDGEMENT WITH RESTITUTION OF PREMISES. The filing date is showing XX/XX/XXXX and the judgement date shows XX/XX/XXXX. This information is inaccurate. There was a satisfaction of judgment filed on XX/XX/XXXX. This information should have never showed up on any of my credit reports. I lived in the said address for 6 months after the original judgement was filed. There was never an eviction yet it appears to look that way when my credit is pulled.
Product: Credit reporting or other personal consumer reports

The credit agency is reporting fraudlent accounts on my consumer report. They never contacted me for accuracy instead they published them. I was a victim of identity theft.
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 XXXX. 

The accounts below have violated my rights. 
15 U.S.C XXXX section XXXXA. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C XXXXc. ( a ) ( XXXX ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate
Product: Credit reporting

Unauthorized inquiries on my Trans Union credit report. 
WWW.XXXX.comI have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several dozen inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Transunion. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately. XXXX Total.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Equifax Regarding Inaccurate Late Payment Reporting for XXXX XXXX XXXXXXXX Account Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$1900.00} Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax XXXX Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual, Closed or paid account/zero balance Dispute Status : Account not disputed Creditor Type : Bank Credit Cards XXXX XXXX XXXX, XXXX Credit Card XXXX XXXX Equifax XXXX Account XXXX : Closed Payment Status : Late 30 Days Creditor Remarks : Canceled by XXXX XXXX ( XXXX ), XXXX due to inactivity ( XXXX ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$1700.00} Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX made a stock suggestion to purchase XXXX XXXX  XXXX XXXX XXXX. He accepted a check written for 16k that was made out to XXXX XXXX. He also owed me 4K that he said he would add to that account which would be a total of 20k investment. The stick certificate he gave me looks to be false. I never received any statements of that investment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 6 disputes to XXXX  about Nissan Motor Acceptance account. 
XXXX is the only credit bureau that is inaccurately reporting the information pertaining to this account and it is now showing deliquent on my credit report. My XXXX credit report is significantly ( more than 30 points ) lower than my XXXX and XXXX credit reports because of this inaccuracy. 

Dispute 1. XX/XX/XXXX Dispute 2 XXXX XXXX, XXXX ( closed in 2 hours ) Dispute 3. A second on XX/XX/XXXX Dispute 4. XX/XX/XXXX Dispute 5. XX/XX/XXXX Dispute 6. I also next-day mailed in a dispute with verifying documents to confirm the invalidity that the account was resolved with receipt from the collection agency. This was mailed on XX/XX/XXXX. 

The issue : This debt is being double-reported. I have confirmed with Nissan that the debt was sold to collections on XX/XX/XXXX. However, Nissan never reported to the credit bureau that the debt was sold, nor did the collection agency report receiving the collection. 

The following year, I called Nissan to pay the debt on XX/XX/XXXX and the debt was no longer in their possesion, I was provided with the collection agency 's information and resolved the account with the collection agency. 

I noticed in XX/XX/XXXX that this debt is still showing on my credit report as outstanding from Nissan and I disputed it with XXXX. Since then, my credit has plummetted because the Nissan account was updated to reflect the dates of outstanding payments from XX/XX/XXXX to present, ( even XX/XX/XXXX has reflected no payment ). 

This account needs to be removed from all credit reports in entirety. Nissan is falsley reporting information on my behalf and the credit bureau is not doing diligence to investigate this inaccuracy despite receipts and factual documentation being provided.
Product: Debt collection

I purchased a corporate kit on XX/XX/2021, from XXXX, the total amount of {$85.00} was charged to my XXXX account ( See doc 1 original receipt ). On XX/XX/2021, I mailed a money order in the amount of {$85.00} to cover the entire balance of the purchase ( See doc 3 XXXX XXXX. I received an email statement dated XX/XX/2021, for the same amount, with payment due on XX/XX/XXXX ( See doc 2, first statement ). In communicating with the company ( PayPal Credit/Synchrony Bank ), I sent two faxes outlining the payment and where it was sent ( See docs 3 & 4 fax confirmations ). Both faxes included the money order and address, to where it was sent. On Monday XX/XX/2021, I received another email reminding me of my minimum payment ( See doc 5 XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Sold - Account Type COLLECTION Date Opened XX/XX/2020 Account Status! - Payment Status Unpaid Status Updated XX/XX/2020 Balance {$4600.00} Balance Updated - Original Balance {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago I took out a loan from XXXX XXXX XXXX. They sold that debt to SST whom, I pay regularly. For some reason they reported that my payment was thirty days delinquent to the credit reporting agencies, and has refused to correct it.
Product: Mortgage

Since 2015, I have tried to get Seterus, inc., to stop the harassment and bring my payments up to date as I never missed a payment. The company fraudulent ways have defrauded millions of dollars from costumes. At this time I am part of one of the {$5.00} XXXX Dollars class actions against Steterus , Inc., currently pending in the XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX Vs Seterus, INC _ XXXX XXXX _ Case No. : XXXX ( XXXX ), which Mr XXXX XXXX asked Mr. XXXX from XXXX, XXXX. See copy of the email. 
Also, after contacting a Civil Rights Group, and after submitting the overwhelming amount of evidence collected through the almost 4 years, they decided to take action. We are filing another lawsuit against the same company, Seterus, inc., for the serious mental and financial damage they created by not only threatening me with foreclosure, tried to alter my mortgage, phone, and mail harassment but also by reporting my mortgage delinquent to credit report agencies for years. We have found hundreds of costumes via social media who suffer the same faith, and we feel confident the law will correct the situation the company refused to do itself. Per the advice of the counselor, I was asked to hold back monthly payment until the lawsuit is filed, hopefully in the next weeks. After the lawsuit has been filed, I will re-initiate payments and submit the missing payments only after my lawyer has asked me to do so. 
I got told communication is now happening with the Office of the Attorney General, and it is possible the company will face more charges soon. I will make my evidence available to any agency who makes the proper request. I can be contacted via email XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase almost a year ago with {$10000.00}. I invested it all in XXXX. I have almost XXXX shares worth approx {$55000.00}. My company has sold and thus my email address is not longer in service. I can not verify my coinbase account any longer. I emailed coinbase 3 weeks ago to advise them of the problem. They advised in email to open a new account with a new email address, get verified and let them know when done and they will transfer everything from my old account into my new account. I have done all of that and did email them multiple times with no response. I am in need of assistance in gaining access to my account again. Once I do, I will transfer it to a much more reputable company. 

Thank you very much for your assistance. 

Regards, XXXX XXXX
Product: Checking or savings account

Some one got access to my account and also made a card to use at ATM they also had my pen # .When I checked my account I saw the appending amounts I call the bank and told them it wasn't me. A few days later I looked at my account and they had okay the amounts. I put in a fraud complaint and they turned it down stating it was authorized. 
I call them as I saw the amounts on my account when they were pending to let then know I did not do it and they still let it go thur. Who every the person was they did it in New York and I live In XXXX. I call the bank as soon as I saw the pending amounts and they still let it go thur.
Product: Money transfer, virtual currency, or money service

I sent a $ XXXX wire transfer to my Coinbase account on XX/XX/XXXX. It was sent from a brokerage account that I own on XXXX ( wired through XXXX XXXX XXXX ). 

I got an email from Coinbase on XX/XX/XXXX informing me that my wire had been reversed because there was a mismatch. 

Its been more than a month and my funds have not been sent back to my account with XXXX. 

I have contacted Coinbases customer service 4 times ( on the mail and on the phone ). I have mostly received automated emails back that dont address my problem. 

I have also contacted Coinbases clearing bank, XXXX XXXX, to inquire about my transfer but they pointed out that Coinbase is in possesion of my funds and have not sent them back. 

On XX/XX/XXXX, I spoke to a representative from Coinbase on the phone. She said my case would be transfered to an specialist with the highest priority and that they would follow up with me soon. 

So far, I have not heard from an specialist and have not received my funds back.
Product: Debt collection

I'm a victim of identity theft. There are several accounts opened without my validation and several inaccurate information on my credit reports. Below are some fraudulent inquiries founded on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a {$50.00} check on XX/XX/XXXX, and the funds were not available until XX/XX/XXXX at XXXX XXXX. I spoke with an agent and he assured me that I would not have such a long wait time the next time I deposited a similar check. XX/XX/XXXX, I deposited a {$100.00} check from the same party as the previous {$50.00} check. The funds are not available and will not be available until XX/XX/XXXX. 

According to the " Check Clearing for the 21st Century Act '' all checks are considered " local checks '' and has enabled electronic checks rather than paper form to comply with Regulation CC Availability of Funds and Collection of Checks, the Expedited Funds Availability Act and the " Check Clearing for the 21st Century Act '' According to " Reg CC '' any check deposited that is under {$200.00} will be available the same day, Larger amounts will be available by next business day. The two checks I deposited are both under the threshold of {$200.00}. This is a clear violation of federal regulations and causes financial distress on myself and any others that use check deposits.
Product: Debt collection

XX/XX/XXXX I checked my credit report score to find that I had a medical bill from a collections company, Credit Systems International, ( XXXX XXXX, Texas ) that had placed a debt owed of {$150.00} on my credit report XX/XX/XXXX I contacted Credit Systems International and spoke with XXXX XXXX who reassured me I owed the debt, yet I explained repeatedly that I had never received an invoice by mail or email. I asked him for an itemized summary, which he stated he was unable to provide, but kept encouraging me to pay the invoice to remove it from my credit report. He also encouraged me NOT to call XXXX directly for the itemization. 

XXXX XXXX I contacted XXXX and spoke to XXXX, who stated the invoice was for date of service XX/XX/XXXX and that invoices had been sent to an address in XXXX, which I responded stated I had not lived at that address in several years. After he reviewed the account notes further he determined the doctor 's office had initially sent the incorrect address, but then sent my current address, but XXXX never sent a new bill to the correct address. He apologized for the mix up stating he was pulling my account from Credit Systems Int'l and would have the collections agency " Delete '' the debt owed on my credit report. When I asked how long this would take, he replied about 30 days. XXXX sent me an itemized medical summary which I paid immediately online and have a {$0.00} balance. 

However, it has been a challenge since as of today the collection still shows on my credit. Each time I contact XXXX, they state they can only send an email to the Credit Systems Int'l and each time I contact Credit Systems they state the debt should have been deleted and will send another notice to the credit reporting entities which include XXXX and XXXX. I have an active credit monitoring account and the balance owed and the debt still shows on my credit report as XX/XX/XXXX XXXX XXXX. CDT. The last person I spoke to twice at Credit Systems was a supervisor, XXXX XXXX, who keeps reassuring me it will be taken care of - but my trust and confidence in this process is LOST. This error on the businesses part, not mine, has impacted my long standing very good credit score and no one seems to care. PLEASE HELP!?
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 bankruptices and the accounts associated with them several time over the last few months. However the credit agencies refuse to allow me to keep disputing and comes back verified everytime even though the 3rd party XXXX XXXX does not have this information on their reports which is whom im being told houses and verified this information
Product: Credit reporting, credit repair services, or other personal consumer reports

8 Inquiry dates are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

They call at least 6 or 7 times a day and leave messages in spite of me blocking their number. They have been doing this for months and it keeps me from getting medical appointment updates. I am having to go in and dump messages from my phone. 

I suspect this is the bill for the HSN card where Synchrony has received over {$XXXX} for a {$XXXX} makeup purchase because no matter what I did I kept screwing up the due date. At some point, they need to give us a break. I had finally gotten payments synchronized and then credit companies changed hands with little room for amnesty. And I just couldn't get it back on track. 

If you're charging a late fee every month you get a payment something isn't right.