23daVinci/CFPB_Complaints huggingface dataset:
Product: Virtual currency

Hi, I purchased bitcoins from a website coinbase.com. The purchased bitcoins are supposed to be available four business days after purchase. I made a purchase on XXXX/XXXX/2015. It has been four business days and the bitcoins are not available to me. Further, the money has been deducted from my bank account for over two days as of this writing. ( Their justification for the 4 day delay is the transfer time from my bank account )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 an inquiry was fraudulently made against my credit report
Product: Student loan

My loan servicer is FedLoan Servicing. Their website contains numerous information about managing repayment. XXXX of the options concerns changing the due date of your loan. The site implies this option is available to all loans ( XXXX ). Lately, my rent check and my student loan payment have been taken out of the same paycheck. Due to this, I have received several overdraft fees from banks. I requested that my due date be changed on XXXX via e-mail as instructed on the site. I never received a response. Today, I called my servicer. The representative indicated that I could not change my due date in the middle of the year. Rather, I can only change the due date once the billing year has elapsed. I believe the information on their website is deceptive that anyone can change their due date upon request. 

I want to pay my student loans, however I just need the due date pushed back 6 days so I can avoid other costly bank fees.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern about Zelles way of handling disputes on my account. The recent CFPB lawsuit has shed light on the major issues with the platform. I have used Zelle multiple times and have had reporting discrepancies that my financial institution and Zelle both failed to investigate properly. I feel as though Zelle has failed to protect its customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/24
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX refused to update or provide proof of the methods used to verify the accuracy of their reporting on my credit profile for account XXXX XXXX XXXX Since XX/XX/2023, they have collected inaccurate information on my credit profile and supplied it to financial institutions and other businesses. My repetitive efforts to have this problem resolved ended up being fruitless.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

I RECIEVED A LETTER FROM A COMPANY CLAIMING TO BE AMERICAN CORADIUS OUT OF XXXX NY CLAIMING I OWE XXXX XXXX. MY XXXX WAS PART OF A DEBT CONSOLIDATION SEVERAL YEARS AGO AND IT WAS SETTLED. IS THIS COMPANY LEGIT? THEY ARE NOT GETTING ANY MONEY FROM ME. WHAT SHOULD I DO?
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter concerning your company 's inaccurate reporting to credit bureaus, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that [ World Finance Corporation ] has been erroneously re-aging my account on a monthly basis, thereby misleading credit agencies and adversely affecting my creditworthiness. 

This practice is not only legally questionable but also unjustifiable. Re-aging my account in such a manner is a direct violation of the FCRA, which mandates accurate and fair reporting of consumer credit information. Such actions can significantly impact my financial standing and reputation without justification.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : SS # : XXXX and account reported from : 1. Under penalty of perjury I swear this account is false and misleading XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND XXXX EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENTS ( S ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( XXXX ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or do any of these hard inquiries on my reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is manipulating by adding and subtracting over {$12000.00} in student loans. The fluctuated this large amount a week apart- even though I haven't recently attended college.
Product: Credit reporting

Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX XXXX, which was opened on : XXXX XXXX, 2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to XXXX and Equifax to reflect that I had a stolen identity. 
The CRA ( Equifax ) continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 
This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me : XXXX and XXXX XXXX XXXX XXXX shows that they got a copy if my Equifax report on XX/XX/31 that I had no idea about until I received an alert from XXXX saying that it was blocked. I called and spoke with an Equifax representative this morning and was advised that my fraud alert didn't show any of my phone numbers that should have been called when extending credit. I asked the representative how is that possible when it's clearly showing on XXXX and XXXX? The answer was that XXXX didn't send the information XXXX them. 
I have called Equifax in the past about this and was told that it was taken care of and obviously not. 

Same applies to the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  Acct. # XXXX, Account Name : XXXX XXXXXXXX XXXX Acct. # XXXX, Account Name : XXXX XXXX Act. # XXXX, Account Name : XXXX XXXXXXXX XXXX Act. # XXXX, Account XXXX XXXX XXXXXXXX XXXX Act. # XXXX, Account Name : XXXX Act. # XXXX XXXX Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX. # XXXX, Account Name : XXXX XXXXXXXX XXXX  Act. # XXXX, Account Name : XXXX  Act. # XXXX, Account Name : XXXX XXXX # XXXX Act. # has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 am a college student filing this complaint against [ Credit Bureau Name ] for failing to ensure the accuracy of my credit report as required by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found information that is inaccurate, unverifiable, and questionable.

According to 15 U.S. Code 1681e ( b ), credit bureaus are required to follow reasonable procedures to ensure that the information they report is as accurate as possible. However, this has not been the case with my report, as there are clear errors that need correction.
Product: Debt collection

While I was living in  XXXX  with my family  serving as    XXXX   someone opened a   XXXX   XXXX   account in my name. I found out from my local credit union years later. I never received any account or statements. I was out of the country. I did an ID theft affidavit, had it signed by a police officer and filed with my local police dept. I also sent all the information to   XXXX   XXXX   XXXX  . They then recently sent me three statements from   XXXX   XXXX   saying it was my account. It lists an address in a city I 've never lived. The address is more information than I 've ever had.  XXXX    XXXX   would n't talk to me about the account because I could n't confirm " details '' about it, yet they report it on my credit report. I ca n't possibly answer questions about an account I do n't have.
Product: Credit card

The credit card company locked my account due to a " suspected fraud '' for a XXXX  payment on XX/XX/XXXX, which I later authorized it was not a fraud. Capital One sent one message that did not indicate my account was locked. When my car insurance final payment was due on XXXX, Capital One refused to pay, and subsequently, my car insurance was suspended due to non-payment. I tried to pay Car insurance fees within the grace period advertised on their site, which says XXXX days. I made payments online based on what was shown that I needed to renew, then told that the amount was not correct. After making the payment on the same day of my car accident, the insurance activated my coverage the following day. XXXX XXXX XXXX  did not give a grace period and sent communications within their app, requiring sign-in to review documents. I am a XXXX XXXX veteran who had these payments set for auto-pay. I had both credit and the ability to pay. On XX/XX/2024 I was in a car accident that required XXXX  for myself, and another person in the accident XXXX XXXX XXXX. I had paid an entire year of insurance and was ready to renew automatically, but capital one failure to pay on my behalf for the incorrect suspension of my account without confirmation from the owner of the account, I have no car insurance to cover the damages from the accident or to cover my hospital bills. I believe that the credit card company is responsible for the failure to pay, despite having credit available to pay during the date requested by the bank. Insurance and Bank take advantage of online messaging to reduce costs on paperwork, but do not properly notify their customers of risks or damages that can occur until it is too late and too their benefit, not the consumer. I am XXXX person of millions of customers who are not being protected as they describe and have left me without any insurance coverage to provide me during the time I needed it most.

I
Product: Credit reporting or other personal consumer reports

XXXX has been reporting inaccurate information on my credit reporting requested for accounts over the last 2 years to be removed and the bureau has failed to provide not only accurate information on my report but also accurate about these accounts according to the Federal Credit Reporting Act. 

Fraulent Accounts Needing Removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transukion dropped down my credit score 53  pts XXXX XXXX reason Remark added to account, XXXX  XXXX XXXX 19  pts, XX/XX/XXXX reason XXXX, balanc increased by {$89.00} I called both of them and thry conferm me ; tbey did not reported anything negativ about me.
Product: Mortgage

PHH mortgage purchased the mortgage servicing from Ocwen but did not pay the ground rent payment. PHH mortgage doesn't know what a ground rent is or what to do with it. 
The new ground rent owner has filed for an ejection of my house even though I have always paid my mortgage is on time. 

When I purchased my home XXXX XXXX XXXX in 2009 the ground rent payment was included in the payment. PHH mortgage is charging me {$140.00} a month but now applying to the ground rent. There is a lot of money in the escrow account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX PHH Mortgage loan # XXXX
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 Section 602 A - I have rights 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 ) states : No consumer reporting agency may make any consuming 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Mortgage

My mortgage was transferred to Shellpoint. I repeatedly called and requested my new loan number and payment information. I finally got auto-pay set up successfully and the first payment was drawn. It draws it from an account that I do not closely monitor, and I set up the autopay on DAY 1 so that I would never be late and never have to worry about. In fact, I pay an additional $ of 200 to 2000 to the principal each month. Imagine my shock when I opened the mail today, and it is from Shell Point stating my mortgage is in default by TWO MONTHS. I called immediately. After waiting on hold for six minutes, I spoke with a representative. I explained the problem She CONFIRMED that YES she shows my account is in fact ACTIVE and on AUTOPAY and said she did not know why it was not withdrawing the funding, as everything was set up correctly. I said, okay, so please fix it because I am trying to refinance a house and and I need my XXXX and perfect credit to be dead on right now!!! She said she could NOT help me because my account was past due. I said, but you can see right there, it is on autopay. I can pay the amount but I want the autopay fixed and I want any late charges taken off and NO credit reporting. She said she had to transfer me. She transferred me where I waited on hold for another 16 minutes. THEN, it finally started ringing. And then it rang and rang and rang. I let it ring for an additional five minutes, and nobody ever answered. Being concerned I went BACK ONLINE and paid the two months. HOWEVER I want the autopay issue fixed, as they admitted it is their fault. ALSO thank goodness I could pay immediately, otherwise, I would not have even been able to pay the mortgage since I got a 20 minute run around!!! This company is garbage and it feels predatory. I always pay my mortagage on time and early and extra principal. The fact that their autopay has a glitch should not penalize me. I am concerned over my credit and the fact that this company can not even get me in touch with a PERSON to talk to and resolve my problem.
Product: Money transfers

On XX/XX/XXXX I used services of Western Unionto send a small sum of money to my mother inXXXX. The transfer was immediately suspendedand explained that my name resembles someone 's onthe OFAC sanctions list. I provided all my personalinfo along with the copy ID to WU security dept. and alsochecked my name on that list. Neither mine nor my mother'snames showed up. However, WU still evading myquestions about time frame they need to verify my infoand why they are lying about the sanctions list. May be I'mmissing something, but the same situation with the listhappened to my brother-in-law who tried to sendmoney to his mother, also in XXXX, this month. 
Thank you for your attention
Product: Credit reporting, credit repair services, or other personal consumer reports

The statute of limitations has passed for the PAID debt listed by XXXX XXXX   XXXX and reported by Experian on my Experian credit report. Experian has failed to take any action on a previous dispute about the same PAID debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted Transunion, XXXX, and XXXX for inaccurate reporting and calculation of my FICO score, but they refuse to correct it. 
They have multiple companies " alleging '' I requested credit, and their reports do not reflect my multiple car loans, all paid 100 % timely, in full and paid off, mortgages and student loans all paid timely, in full, and paid off in full timely!
Product: Debt collection

To whom it may concernMy name is XXXX XXXX XXXX, Address XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX. XXXX XXXX XXXX XXXX has been my permanent address since XXXX. During the time between XXXX and today I have never lived anywhere else except for two years XXXX military XXXX, XXXX. I left XXXX, XXXX in XXXX. 
The purpose of this communication is to contest this a delinquent/collection account, negative credit report, and the {$620.00} that Credit Management LP/ XXXX alleges that I owe to XXXX XXXX. For the records, I have not received at my address any bills or statements from XXXX or Credit Management LP. I found this info via Credit Report Monitoring. Currently I do not have a XXXX or XXXX account or any XXXX services in my home. I visited the local XXXX office in XXXX, XXXX to ensure that they had not inadvertently bill me. They had no record of me owing XXXX in XXXX. I believe this is a case of mistaken identity. 
This is the second time that XXXX has billed me and collection agencies have placed negative information on my credit report. I unsuccessful contested the previous billing. Having no recourse, I paid the {$310.00} that XXXX alleged that owed. The alleged bill was from an old address in XXXX, XXXX where I lived in XXXX. Once again, I have never lived in XXXX since XXXX. XXXX did not exit in XXXX. 
I spoke with a person from Credit Management LP regarding the delinquent account. I explained the situation. She asked me for my SSAN. I gave it to her, she said that the billing had a different SSAN and was probably a case of mistaken identity. She asked me to send proof of my SSAN and my address for XXXX. I am doing so.. 
The local XXXX office suggested I file a Police report and send it to XXXX. The police report # is XXXX, filed with the XXXX, XXXX Police Department. I am requesting XXXX remove me from the XXXX, XXXX address so this mistake does n't happen again. 
Finally, I have no problem meeting my financial obligations and paying my bills. If I fact owe XXXX money I will pay upon receiving a statement that proves that I owe them. However, I do n't intend to continually pay accounts that I did not create. 
I can be reached by email : XXXXXXXXXXXX or phone : XXXX XXXX if more information is required. 
XXXX XXXX
Product: Credit reporting

Equifax other account they the put onto my credit report are : XXXX/XXXX/XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX reporting closed should be reporting openPlease fixed this Equifax. I am honestly truthful attaching report. Please carefully review report.
Product: Credit reporting or other personal consumer reports

XXXX  account opened fraudulently {$520.00}
Product: Prepaid card

I am in possession of a prepaid American Express gift card. It worked for several transactions, but suddenly will not work ANYWHERE, including THE SAME PLaCES THEY WERE PREVIOUSLY USED! This is insane. I have called customer service three times, they just assure me that there are funds on the card and it is ready to be used. I tried to use it several places online, no luck. This is craziness. I would really just like a check sent to me with the funds remaining. 

Apparently, this is well documented issue with MANY users all over the US. American Express should be ashamed of itself and should fix this issue forthwith.