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

I'm on paperless billing, the company sends out reminder texts for payments. Unbeknownst to me, the reminder text shorts the amount that is actually on my paperless statement. On XX/XX/XXXX, a bill was generated with the minimum payment being {$96.00}, I received a payment reminder text message on XX/XX/XXXX stating my payment was due on XX/XX/XXXX for {$66.00}. I make my payments every 30 days as required by my bills. The company immediately after my payment on the XXXX, charges their interest charges and fees on the XXXX. On XX/XX/XXXX, fees were billed to my account that put my account over the credit limit, the company benefited from this because they we're able to charge me more interest based off of these fees. Furthermore, the intentional shortage of my minimum payment in communications received by the company continues to cause me to have a higher balance. I understand I would owe interest on my balance, but it seems predatory that the amount is intentionally short to create a larger revolving balance. For people who are on paperless billing and never receive a communication that a bill is available to be viewed, the accuracy of the website and payment reminders is not only necessary, but imperative.
Product: Money transfer, virtual currency, or money service

I have been locked out of an account I hold with Coinbase.com, a crypto currency exchange. On XX/XX/23 I received an email stating my account would by closed due to 'prohibited use in violation of our terms of service ', and that I should log in and follow instructions to move the funds I had on the account off their site. When I attempted to log in, this message is shown - 'Our records indicate that you have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business ( XXXX XXXX XXXX XXXXXXXX XXXX ) ) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted. ' There were no instructions to move funds off their site. 

This is not accurate, I have never been to XXXX, and have been in XXXX Washington USA for over a year, and havent left the US in several years. I can provide ample evidence of this. I have also not tried to log into this account in several months. I reached out to their support, and they have 'elevated the issue ', and said I would receive and email for further instructions, however I have not heard back. 

I do not know the exact amount of cryptocurrency I have on the site, but I know it is over XXXX XXXX XXXX which is worth ~ {$12000.00}
Product: Debt collection

Check number XXXX was stolen from my mailbox from an unidentified person and subsequently cashed at an undisclosed XXXX on XX/XX/2021. I became aware of this on XX/XX/2021 and reported the fraud to my bank on XX/XX/2021. My bank investigated the fraud and returned my money an issue to stop payment on the fraudulent check. XXXX then sent my information to TRS services to collect a debt of {$470.00}. I contacted the debt collector to inquire about the voicemail left and was told I needed to file a fraudulent complaintWith documents from the bank in order to have this removed from collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! 
Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 
2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a XXXX  for " collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! 
I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! 
HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 
LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! 

THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!
Product: Credit reporting or other personal consumer reports

The charge card company XXXX or " XXXX '' as stated on my credit reports refused to respond to the numerous request sent in to them by the credit bureaus on my behalf. I used my XXXX XXXX charge card one time in the total of {$1600.00} and promptly paid the balance off in full. Seeing though I am in the market to purchase a vehicle for XXXX XXXX I need the decrease in credit utilization to give my scores a huge boost so that I can secure the financing for said vehicle. However, when I called in to XXXX on the XXXX of XXXX to ask why haven't they responded to my disputes to update my account, I was told that due to the company 's protocol of updating account information, they will not honor my request to XXXX out my balance before the XXXX are up and since my account is updated once a month on the XXXX, that I would have to wait until the XXXX of XXXX to see that payment reflected. I found this to be quite strange and annoying seeing as any negative information that happens with my account would be reported and updated immediately, plus I never been told by a creditor that they will not respond to a dispute opened by the credit reporting agencies. I was given a XXXX balance letter by one of the reps but, they must've known that the letter is futile if the company doesn't respond to the dispute because that is exactly what Experian XXXX and XXXX told me. Basically the XXXX balance statement is worthless.This has cause me great XXXX and many XXXX XXXX. I've been denied loans lines of credit and many other things due to my utilization being too high and mostly from this one account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 



Delete these XXXX inaccurate accounts immediately.

# 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 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

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX  : XXXX has violated my rights, 15 USC 1681 section 602 A states I have the rights for privacy, 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Bank of America keep charging me huge overdraft of the services they never rendered. 
the check was returned and they charge me XXXX dollars for it
Product: Credit reporting, credit repair services, 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 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, CA XXXX ; XXXXXXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; XXXXXXXX XXXX XXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove inaccurate infomation violates my rights ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681, and as a consumer per federal law the accounts listed have violated my rights and must be removed as theyve been removed from different bureaus but are still reflecting on my credit. The accounts to be removed are as follows ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Debt collection

This account is charged off outside of state statue. It charged off in 2010
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that is reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed this alleged account with Experian on XX/XX/2021. The account is from XXXX XXXX and the payment history reporting is incorrect on this account along with an incorrect balance. Since sending the dispute letters on XX/XX/2021, I did not receive a response from Experian within 30 days as required by law. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to remove these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.
Product: Credit reporting

I have paid off the debt to Procollect on XXXX/XXXX/15 which was a debt in the amount of {$440.00} + {$7.00} ( procollect fee ) = {$440.00} for XXXX XXXX XXXX. I paid the account off through XXXX XXXX XXXX who also charged a fee of {$5.00}, which will be shown on the attached receipt. I have spoken to Procollect about removing the item from my credit and was told it will be removed but the debt still continues to report as unpaid.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX 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.

and list of Inquiries. 

XXXX  XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have received three letters from above mentioned office dated XX/XX/year>, XX/XX/year>, and XX/XX/year>. I do not recognize your statement my request to your office, since I am considered to fit for the settlement of data breach by your headquarters. Therefore, I do not have any reasons to provide my identification information to your office. Also, since I do not have to return your letters along with my identification information for resubmission. Of course, I will not enlarge photocopies to make the information legible for your office to avoid the identity theft.

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

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against these agencies a late payment on my credit card account. THe following accounts is listed below 1. XXXX XXXX  Account number : XXXX Date opened : XXXX XXXX, XXXX XXXX. XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX  XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of the title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In this case, I believe that XXXX XXXX did not comply with the regulations outlined in 15 U.S. Code 1666b, as my payment was treated as late despite being made within the required timeframe.

I am requesting that the Bureau investigates this matter and takes appropriate action to rectify the situation, including removing the late payment from my credit report and ensuring that XXXX XXXX is in compliance with the regulations set forth in 15 U.S. Code 1666b.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB- Under The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to ensure the information they gather and distribute is a fair and accurate summary of a consumers credit history. I fill that your company is crippling my credit score on purpose because of the complaints that I've filed with CFPB, XXXX  against your company anytime any negative accounts are removed your credit score goes up. All my accounts are in good standing, also I fill that this is becoming a discrimination towards me. and they way I've been treated over the phone by your customer service reps is very unprofessional. I've had enough of being treated unfairly. If I have to go to the media about how I'm being treated i will. unfair credit scores almost every month, there's a problem somewhere. All asking is for your company to treat me fair.
Product: Debt collection

I signed up for XXXX XXXX  but never revived the XXXX XXXX XXXX so services were never started or turned on. XXXX is trying to collect for services that were never turned on, set up or used. This is totally in legal for this company to bill me and send me to collection for something I dont owe or never used and XXXX XXXX is aware of that. I placed XXXX phone calls to XXXXXXXX XXXX. The representative informed me she would ace supervisors reach back out so the bill would be rectified it never happened. I will be filing a sue against XXXX XXXX  and the collection company ccs for harassment of a bill I dont owe.
Product: Checking or savings account

I have now tried for almost a month to verify my paypal account email. It is not working and when you contact paypal customer service they just send you the same email and then tell you to call an automated system that then hangs up on you and tells you to send them a message. I asked for a callback and when I stated I did not get a callback. the person called me and immediately hung up then sent a message and said we tried to call but couldn't reach anyone. I explained to paypal that I can now not receive a payment because paypal is stopping it because my email isn't verified. 
Despite my email not being verified though. Paypal has allowed me to add multiple bank accounts, change my password ( with the link being sent to that email ) use paypal to make charges and sent me a paypal debit card. But now when it comes to receiving money I can't receive it because my email isn't verified.
Product: Mortgage

I have a mortgage with SN Servicing Corporation. They refuse to accept any of my payments since XXXX. The last payment I have made was on XX/XX/2022. I made a payment of {$12000.00}. They keep refusing my payments and are requesting $ XXXX. I admit that I had a check that did bounce due to COVID, but after that, they won't take anything from me. I tried speaking with them and they continue not to take my payments which is causing more fees. I am not trying to be behind with my payments and trying to avoid foreclosure. It is unfair to have my home foreclosed when they will not accept any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern XXXX XXXX XXXX # XXXX this is the 3rd time I have a complaint that this is not my account my name is not XXXX XXXX the DOB and SS # on this account does not belong to me. Please delete this account from my file and remove it from your database. I do not have XXXX XXXX ( XXXX ).
Product: Payday loan, title loan, personal loan, or advance loan

Title company mailed a cashiers check for XXXX to pay my loan XXXX XXXX sent XX/XX/XXXX payoff good thru XX/XX/XXXX their payoff stmt says it takes XXXX biz day of overnighted this was overnighted and signed for XX/XX/XXXX by XXXX XXXX XXXX tracking XXXX As of today XXXX the cleared funds have not posted to my account its now 19 days past due there are late fees and interest accrued. I began calling them on this XX/XX/XXXX they did not call me back for days I spoke to a XXXX he assured me he would call me back and that was a week and half ago no call. I get an email Friday XXXX from prosper saying they found the check ( I emailed them copies of the check and payoff stmt which was stapled to check ) their email XXXX said there wasnt enough info to process it so they rejected it - the loan number is on the check and payoff stmt attached the email said they would process payoff and the XXXX I spoke to a week half ago assured me they would waive all interest and fees after XX/XX/XXXX thats when my check was good thru. Nothing is processed as of today they have cleared funds almost XXXX and my low. Is going to go 30 days past due soon. I never make any late payments on any of my debts. No one is calling me back I am beyond frustrated they seem to be scamming me or something. It doesnt feel right whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed by the credit card XXXX in 2020. They said they were no longer carrying this credit card. They were closing the whole branch for the XXXX XXXX credit card. I made a settlement with them. They agreed to remove off of my credit. I keep disputing it and it keeps coming up on my credit report incorrect information. It is supposed to be totally XXXX was not originally through XXXX. I guess when they closed everybodys account they sold all the accounts to XXXX. Please help. I have be trying to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX  XXXX ( original creditor opened XX/XX/XXXX ) After carefully reviewing my credit report, I recognized there are several discrepancies. This collection account is reporting not only as OPEN but it also shows a PAST DUE amount balance of XXXX. As of XX/XX/XXXX.
Product: Consumer Loan

I took out a loan with Big Picture Loans on XXXX/XXXX/16, and I did n't realize the full terms, conditions, and most importantly the interest rate! The interest rate on my loan is 830.8277 %! How is it legal to charge me, or anyone this much? There 's no possible way i can fulfill the terms of this loan! I 've made one payment of {$210.00} on the loan already! I filed a compliant with the XXXX, and it did no good! XXXX XXXX Loans is insisting the least they will take is {$810.00}!
Product: Mortgage

The response the company provided did not address my offer to pay the loan nor has there been a response from the company so the issue is still open. Getting in touch with my home preservation specialist, XXXX XXXX XXXX XXXX is challenging. I was hoping to speak to her today but wasn't able to reach her.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFNI-XXXX is currently reporting a balance and these have been paid. I no longer owe this debt and it should not be reporting a balance. It is negatively affecting my credit.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an e-mail from Capital One advising me that they have decreased my credit limit from {$15000.00} to {$10000.00} on my card ending in XXXX. This could not come at a worse time, as I am attempting to secure a mortgage and the decrease may negatively impact my FICO across the three CRA 's, which could cause me to receive a higher interest rate on my mortgage and cost me thousands of dollars over the life of the loan. 

I called customer service today ( XX/XX/XXXX, at approximately XXXX XXXX EST ), who told me they couldn't do anything. A supervisor advised I can log online and submit an increase request, which I ended up doing, but it doesn't allow me to specify what amount ( and I'm sure it will be denied since my line was just decreased ). 

I've been a Capital One customer since XX/XX/XXXX. I consider my Capital One credit cards my two primary revolving lines, and my Capital One bank account is my primary Checking account. My card ending in XXXX was my first CC. I revolve no credit, I am not a risk, and I've never once missed a payment ( on any form of credit ). Please do the right thing and reinstate my {$15000.00} credit limit.