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

I received a brinks money prepaid card in the mail today ( XX/XX/2022 ) that I did not request. I thought maybe when my tax person filed my taxes, he offered it for me at that time, since I've only been living at my apt for a month and was actually using a family members address for mail. I did not apply online for anything or put my address online or do a change of address even. However this came to my home address ( not the address I'm using for mail ) and so I thought since it MIGHT be my taxes, I'd activate it. I downloaded the mobile app, and started the process. As I was doing this, it asked for further confirmation of my identity. I snapped my ID and submitted it. A couple mins later I received a message stating I couldn't be verified. Then it logged me out. When I went to sign back in, it said my account was locked. I called the number on the back of the card, and a foreigner answered. He then told me to email my ID, social security card, and proof of address over to him to activate the account. ( XXXX ) and gave me a number but did not tell me what it was for ( XXXX ). I explained to him this really does seem like a scam, and asked if he could give me any information regarding if there was a balance on this card for me to even bother activating it, bc I had not ordered it and I do not have any brinks prepaid cards at all. He got very defensive and told me " this is not a scam ''. I'm really leery about this and I even XXXX  if there's a brinks prepaid card scam going on but there was no clear answers. Please help
Product: Debt collection

To whom it may concern : Im writing regarding inaccurate credit reporting by the following company. 
Mariner Finance formerly known as XXXX XXXX  I am disputing this account to be updated as paid with XXXX balance. This account is currently reporting balance of XXXX delinquent and/or derogatory. Beginning XX/XX/XXXX this account had an active payment plan of XXXX per month which was never reported to credit bureaus. As of XX/XX/XXXX I ask to close account for remains balance of XXXX. I was decline offer ; offered a counter offer of XXXX additional to the XXXX Ive already paid. As of XX/XX/XXXX Ive paid a total of XXXX to this account. Ive paid this account off triple, by the law it required to report accurate credit information. I request accurate information is reported or this account be deleted from my credit profile.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AND 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! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Hello ... I have a mobile banking account with an online banking company called Current. My issue is that there was an unauthorized charge to my account of {$390.00} from some travel company called XXXX ... I filed a dispute on that unauthorized charge on XX/XX/2021. Turns out, on XX/XX/2021 I get an email from the mobile bank Current saying that my dispute has been closed, with no errors found, and therefore no credit will be issued to me. The bank ruled in favor of the unknown merchant, nor did I not find any further suppport from this bank and they just will not do anyyhing further, and I unjustly lost {$390.00}.
Product: Credit reporting or other personal consumer reports

Unresolved Credit Dispute Regarding Inaccurate Information I am filing this complaint regarding an unresolved credit reporting dispute with Experian, XXXX, and XXXX concerning inaccurate and unverifiable information reported by XXXX XXXX on my credit report. 

On XX/XX/XXXX, I sent a debt validation request to XXXX XXXX via certified mail, requesting proof of the validity of this debt. Under FCRA Section 609 ( a ) ( 1 ) and Section 611 ( a ), I have the right to request and receive verification of disputed information. XXXX XXXX failed to respond to my validation request within the required timeframe. 

On XX/XX/XXXX, I filed disputes with Experian, XXXX, and XXXX, requesting an investigation into this account based on its unverifiable and inaccurate status. Despite my efforts, the account remains on my credit report with no supporting evidence provided by XXXX XXXX to verify the accuracy of the information. 

The account in question is : Creditor Name : XXXX XXXX  Account Number : XXXX Violations and Concerns : The credit bureaus continue to report inaccurate and unverifiable information, which violates FCRA Section 611 ( a ) requiring reasonable reinvestigation. 
XXXX XXXX failed to validate the debt upon request, in violation of FDCPA Section 809 ( b ). 
The failure to validate or remove this account has negatively impacted my creditworthiness, resulting in denied financial opportunities and unnecessary stress. 

I am requesting that the CFPB investigate this matter and require Experian, XXXX, and XXXX to : 1. Conduct a thorough reinvestigation into my dispute.

2. Remove the unverifiable/inaccurate information reported by XXXX XXXX from my credit file.

3. Provide a written confirmation of the corrective actions taken. 

I have attached the following : A copy of my debt validation request sent to XXXX XXXX ( dated XX/XX/XXXX ). 
Proof of mailing ( certified mail receipt ) for the debt validation letter.
Product: Money transfer, virtual currency, or money service

I sent wire to coinbase for {$1500.00} on XX/XX/2021 as per policy this will reflect to my a/c in 1 day they are ignoring email ticket # XXXX please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 CBNA XXXX Fl pulled my credit without my permission, on XX/XX/2021 XXXX XXXX XXXX XXXXXXXX Va pulled my credit without my permission, on XX/XX/2021 XXXX XXXX XXXXXXXX XXXX, SC pulled my credit without my permission and I want them to removed these off my credit report on XXXX Sincerely XXXX XXXX XXXX Fl
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. 

Equifax and XXXX  are reporting incorrectly that I am 60 days  past due on the NEIGHBORS - partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. However, this too is coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that is is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit and have found that their our many errors and accounts that do not belong to me : I do know that my ex wife had my personal information, however Im unclear as to who actually used my information for these accounts that arent mine. I have went to the police and filed a report and have contacted each bureau but havent gotten a response from the appropriate Dept as of yet :
Product: Money transfer, virtual currency, or money service

The grievance concerns a phone app called Albert. The app is supposed to be a money-management app where you can save money and invest. 
I first requested the cancellation of my subscription in XX/XX/year> after noticing the recurring {$16.00} monthly charge on my bank account. Despite this, I continued to be charged for several months, totaling {$250.00}. 

Additionally, I have been blocked from accessing my account unless I upgrade to a more expensive plan. There is no option to decline or exit, only a Continue button forcing an upgrade. This is a coercive paywall, a forced continuity scheme, and a violation of fair business practices. 

After a long back and forth with their customer service, I was offered a {$82.00} refund, but this does not account for the full amount I was wrongfully charged after my ignored cancellation request. Since these charges were unauthorized and the platform uses deceptive billing practices, I am requesting a full refund of {$250.00}. 

I believe that these account for unauthorized billing and predatory business practices.
Product: Checking or savings account

My business partner ( XXXX XXXX ) died XXXX XXXX, 2018. We had a business ( XXXX XXXX ) and a bank account at Wells Fargo account number XXXX. When XXXX died there was approximately {$8000.00} left in the bank account. We have been trying to get the funds released so we can close out XXXX XXXX with the IRS. This is our second complaint because the last complaint yielded the same results. Wells Fargo claims the account has been closed and the funds sent to the State of Texas. According to the State of Texas unclaimed property, the money from Wells Fargo is not there. We have been trying to get these funds released for almost 4 years and we keep getting the same run-around from Wells Fargo XXXX
Product: Mortgage

XXXX XXXX transferred my mortgage, without my consent, ( XXXX XXXX XXXX ) to Shellpoint Mortgage Servicing. 

XXXX XXXX consistently refused to update my insurance policy which is paid through my HOA, and instead issued their own XXXX XXXX at a predatory price ( which I didn't need anyway given I have insurance through HOA and XXXX walls insurance through a third party provider ). 

Additionally, it looks like when they transferred my mortgage to Shellpoint, they failed to transfer over my funded Escrow balance I had been paying XXXX - XXXX of XXXX. 

Shellpoint is now re-assessing my Escrow payment of XXXX to pay the deficit AND based on the outsized XXXX XXXX payment ( again which I don't need or want ). 

I've tried remedying this with both to no avail. 

Any help would be greatly appreciated. 

Best, XXXX
Product: Debt collection

I have been receiving threatening calls from XXXX XXXX. In their voice messages, they state that they are going to sue me and have me served with papers at my place of employment and at my home. In addition, they contacted my parents and disclosed all of the information regarding this " debt '' and told my parents that I was going to be sued. When I attempted to call XXXX XXXX to question them about their harassment and collection tactics, the case worker who refused to give me his name stated that my father was right about me, I never pay my debts and steal money. This is insulting and false on all counts.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS PAST ITS EXPIRATION DATE OF XX/XX/2023!!!!! 

ITS A CHARGED OFF ACCOUNT & IS PAST THE FCRA LAWS TO REMOVE A NEGATIVE ACCOUNT AFTER 7 YEARS!!! 

CHANGING THE LANGUAGE TO " SOLD TO ANOTHER LENDER '' DOES NOT CHANGE THE FACT IT WAS ORIGINALLY CHARGED OFF AND IS A NEGATIVE ACCOUNT!!! 

IF IT IS NOT REMOVED THIS TIME I WILL SUE YOU & XXXXXXXX XXXX! I ALREADY FILED A COMPLAINT WITH THE DE DEPT. OF CORP. AGAINST XXXX AND CFPB IS STARTING TO PAY MORE ATTENTION TO FCRA LAW VIOLATIONS. YOU BOTH SHOULD BE CAREFUL!

YOU ARE BOTH IN VIOLATION OF THE FCRA LAW AND MY OTHER CREDITORS ARE INVESTIGATING EQUIFAX ' CREDIT REPORTING PROBLEMS AS I'VE GOTTEN THEM INVOLVED IN THIS PROCESS AND HAVE SPOKEN WITH THEM BY PHONE! I SUGGESTED THEY NOT DO BUSINESS WITH YOU EVER AGAIN!!!
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received communication from a company by the name of XXXX stating they owned this debt and were collecting. On XX/XX/year> I disputed this account on my credit Due to it showing a Jefferson capital listed and not XXXX who contacted me. XXXX and XXXX as well as Jefferson capital responded with it meet FCRA and would remain reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Acct # XXXX To Whom It May Concern : I recently pulled my credit report from Experian, XXXX and XXXX and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Experian, XXXX and XXXX and the results of the investigation came back as " verified ''. I did not have an account with " XXXX XXXX '' during this time period. Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30day period. To avoid a lawsuit, I request that you remove the account from my credit report. Please delete this listing or I will be forced to seek legal action. Sincerely, XXXX XXXX
Product: Credit card

Chase credit cart promoted zero balance transfer fees for 60 days from the date our credit card account is opened, but did not disclose the actual date that the account was opened. As a result, Chase charged balance transfer fees when we believed we were within the 60-day promotional period. Letters sent to us specified an account activation date of XXXX/XXXX/2015 and Chase claims an earlier date was used as the account opening date. We contacted Chase to resolve this problem but they refused and argued that they considered the balance transfer fees valid. We consider this information to be a deceptive business practice ; there is no written disclosure provided to us, either on paper or via online processing, which specifies the actual account opening date so that consumers like us can calculate the actual time remaining on Chase 's advertised promotional period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submiting dispute letters to the Credit Bureaus to update and correct the information being reported on my Credit Report. I have been awaintg for their reply and yet they have sent me nothing! I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, # XXXX, and # XXXX, and I'm including it again. 

1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT ED/XXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT ED/XXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Product: Debt collection

Credit Acceptance sold and charged off an account in my name in XX/XX/2022. It has continued to report this account as open and in past due status even though it has been closed and sold to a third party debt collector ( XXXX & XXXX ). I was never notified of this by either party ( Credit Acceptance or XXXX XXXX XXXX ). This account has been incorrectly reporting for the past 3 years and has negatively impacted my credit rating. I would like swift action taken. I have enclosed documents that support my claims.
Product: Debt collection

This is an account that was purchased from XXXX  XXXX. I have yet to receive a contract with my Wet signature on it. I asked for this information when Midland Credit called me and they never sent it. They call me repeatedly throughout the day from different numbers. This is a form of harassment. 

15 U.S.Code 1692k ( a ) ( 1 ) - Allows for any action of damage.

AFFIDAVIT Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, XXXX, XXXX  anguish, and other damages all caused by violations of FDCPA due to Midland Credit Managements abusive and deceptive business practices.
Product: Credit card

A charge popped up on my apple credit card for {$750.00} that was not authorized by myself or the other card user. Apple Card said they are reviewing materials sent by the merchant and no resolve has been found. I have contacted Apple Card multiple times and they keep saying they are waiting for more information form the merchant/ reviewing the case. 

Disputed Transaction : Dispute case number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Merchant name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 items : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit card or prepaid card

I selected Capital One back in XXXX as my credit card company because their name was respected in the industry, because they offered a secured card, and most importantly because while researching which secured card company would be the best fit I was told by Capital One representatives that by always paying my card on time that I would have the opportunity for the secured card to be " graduated '' to an unsecured card and I would receive my security deposit back. Fast forward to XXXX I have had the secured card for over 3 years now and never missed a payment ; however I am now being told by Capital One representatives that they no longer " graduate '' secured accounts and was instead told that I needed to apply for a new unsecured credit card. I feel victimized by Capital One as now I am stuck with a fairly low limit secured card that I can not close because I have had it the longest and it will negatively impact my FICO score ( Length of Credit ). I can't apply for a new unsecured card because it will also negatively impact my FICO score ( Number of Inquiries ). My credit score has improved significantly since initially opening the account and as stated I have never missed a payment but yet I am being victimized. I do not feel this is fair and I do not recall receiving any communication from Capital One of their intentions to do away with the " graduation '' of secured cards to non secured. I feel that Capital One has taken advantage of not just me but millions of other customers in the same boat and this is a potentially class action worthy issue. I expect Capital One to do something to make this situation right without negatively impacting my credit score that I worked so hard to rebuild.