23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of Inquiries that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to resolve this issue, in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the errors remain on my credit report. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. This obligation has not been upheld in my case. 
TILA Violations : The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused significant harm to my creditworthiness and financial well-being. 
Summary of Errors and Discrepancies : The reported late payments for this account are inconsistent and inaccurate. Specific discrepancies include : Late payments incorrectly reported for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Dates of delinquency that do not align with the accounts actual payment history. 
Reporting errors inconsistent with records from other credit bureaus. 
These errors significantly misrepresent my credit history and have negatively impacted my creditworthiness. 
Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
I look forward to your prompt response to this matter. Please send confirmation of the corrections to the address provided above. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX the Cares Act allowed me a mortgage forbearance. My loan was through XXXX XXXX  and this forbearance was approved. XXXX had informed me that my loan was backed by XXXX XXXX ; however I have since learned that they were mistaken. The California Shelter in Place order required that I stop working, and during this time I was unable to pay my mortgage, and therefore continued my forbearance until what would have been reinstating payments on XX/XX/XXXX. 

Prior to XX/XX/XXXX, my loan was sold by XXXX XXXX  to SPS Mortgage. In early XXXX I contacted SPS Mortgage and they asked that I fill out an Application, which I promptly did. During the month of XX/XX/XXXX I contacted SPS regularly, and was constantly told they had not received the required information, all of which I had provided. I resent all the information as requested. Finally I was told my loan was under review. I asked that my missed payments be added to the back of the loan. I heard nothing back and continued to contact SPS as to the status of my Application. On XX/XX/XXXX I attempted to make a mortgage payment, yet SPS denied me stating that the payment would apply to XX/XX/XXXX and not the XX/XX/XXXX payment and that my loan was still under review. During the month of XXXX until now, I have contacted SPS numerous times, each time being told yet again, they needed additional paperwork ( already provided ) that one page was blurry, to which I resent it. I was then told yet again, they had everything they needed and my loan was under review. I contacted them again and again they said the one page was blurry, to which I told them I provided an additional copy and was told it was clear and legible. They asked me to send it yet again. At this point, I do not know what to do. Prior to the Cares Act instating the Forbearance Plan and XXXX accepting my Forbearance, I had never been late on a mortgage payment and I have excellent credit. I have sufficient savings now to be able to resume payments, as they were prior to the pandemic. I only ask that the missed payments be added to the back of the loan. SPS recently said it was under review ( as they had stated twice before ), and that it could take a month to get back to me. 

I am being given the obvious runaround by this less than professional company that has no apparent desire to work with me. They continuously tell me one thing, and then another. No other company will refinance my loan without my making three payments, however, if I make three payments they will apply them to the XXXX missed payments which is not sufficient to refinance. I fear this company is stalling and is charging me late fees and penalties for the past two unpaid months, has no desire to remedy my situation, and is wanting to foreclose on my property. 

Again, I am able to resume payments as of XX/XX/XXXX. I would gratefully request that you help me to resolve this matter as quickly as possible. 

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

Prior to XX/XX/2019, I sent a certified letter to Experian because I noticed on my credit report there was a public record being recorded as accurate, so I asked Experian for a method of verification of this item. 
I know by law they have 15 business days to send me what method and information they used to determine this public record as accurate and verified. However, I didn't hear from them until XX/XX/2019. 
On XX/XX/2019, Experian sent confirmation that XXXX is where they received their information as accurate and verified which is absolutely not true. 
Today, I come to you because not only is Experian in violation of my rights per FCRA they continue to report that XXXX gave them this information. Even after I have sent verifiable proof of documentation that XXXX gave to me, which states I have no public records on file with them. I ask that you hold Experian accountable for continuing to report this public record on my credit file even after I sent them the verifiable information that's needed for them to immediately delete any public records that they contain in my credit profile.
Product: Credit card or prepaid card

Ref Number : XXXX AMERICAN EXPRESS is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. I, XXXX XXXX, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I was misled to applied for the American Express XXXX XXXX XXXX Credit Card. 

Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C XXXX. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by AMERICAN EXPRESS due to the response I received.

AMERICAN EXPRESS is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. 

If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. 

Thank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved
Product: Debt collection

I have a collection account on my credit who was supposed to be included in my bankruptcy and XXXX. I want this issue to be resolved in the time manner and reported to all credit agency. Also not expecting anymore calls from collection agency.
Product: Checking or savings account

On XX/XX/18 around noon, I used my ATM card to deposit 2 checks totaling {$890.00} at Wells Fargo ATM at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The ATM went black midstream. It would not return my ATM card or checks. I immediately reported the incident inside the branch. My ATM card was retrieved but my checks totaling {$890.00} were not returned or credited to my account. 
The ATM was not investigated or taken offline. Instead XXXX XXXX, branch manager, said the ATM was " recycling '' and my checks might be processed. If not, she said the branch could not help me in getting my 2 checks back or in having them credited to my account. She told me to call WFC to report the incident. I asked that a banker do this as its ATM had eaten my checks. She reluctantly told a banker named XXXX to call the telephone # on the back of my ATM card. He did in between helping other customers. Dissatisfied, at XXXX XXXX I told him I was recording the incident on my phone. About 20+ minutes later XXXX XXXX an Online Banking CSR said her department could not help as ATM claims should have been called. I complained to XXXX XXXX. She said the bank wouldn't help me to get my 2 checks back or to have them credited to my account. She threatened to have me arrested for recording the incident. I agreed to her calling the " authorities ''. She refused and insisted that I leave the branch.

I have emailed Wells Fargo to relay the above and to request that the 2 checks I deposited promptly be credited to my account. Once a consumer inserts checks into a bank 's ATM isn't the bank responsible for them and obligated to deposit or return them? 

WFC records consumer calls. Can't a consumer openly record conversations with WFC bank branch personnel?
Product: Credit card

I XXXX XXXX requested a balance transfer of XXXX from XXXX XXXX cash card number XXXX on XX/XX/year>. XXXX called the upgrade credit card number XXXX visa to send a bank wire for the amount of XXXX. Upgrade refused bank wire and requested a paper check, which XXXX then mailed to upgrade to the address of XXXX XXXX XXXX XXXX XXXX. The estimated time frame was XXXX to XXXX weeks to complete the transaction. It is now XXXX I have called both banks XXXX times each, XXXX gave me the check information and upgrade lost the check and all information with it. I spoke to an agent named XXXX who put me on hold for XXXX min stated upgrade has no info on check even though upgrade had stated in early XXXX that upgrade had received the check and sent it to a third party bank. and then called on XXXX and stated they had no recollection of any check or information at all having to do with the balance transfer. I was forced to provide the check information from XXXX. as upgrade refused to do their job I believe that upgrade does not want to complete balance transfer so they can escalate my interest rate to extort me for higher payments on my account meanwhile i am out the credit amount of XXXX while they procrastinate my transfer and refuse to do it at all. Upgrade is guilty of bank fraud
Product: Checking or savings account

I deposited my taxes check into the atm of citi bank on XX/XX/XXXX in the amount of {$8300.00} and it got flagged and put as fraud because my husbands name is on the check too which is understandable but they never released the check back to XXXX XXXX XXXX which is who issued the check they said the check was cleared on XX/XX/XXXX but citi bank closed my account do to this check and they are saying theres nothing I can do about this check now
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate and unlawful repossession remark on my XXXX  account ( XXXX ), which appears on my Experian credit report as of XX/XX/XXXX, stating that the account was repossessed in XX/XX/XXXX. However, my XXXX and XXXX credit reports do not reflect this repossession, highlighting a clear inaccuracy in Experians reporting. 

Furthermore, this reporting is a direct violation of the CARES Act and the Fair Credit Reporting Act ( FCRA ) because : I became XXXX and was unable to work XX/XX/XXXX. 
I notified XXXX at that time regarding my hardship and requested pandemic-related hardship accommodations. 
Under the CARES Act, XXXX was required to continue reporting my account as current because pandemic-related hardship accommodations were granted. 

By reporting this account as repossessed instead of current, XXXX and Experian violated XXXX U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), which mandates accurate credit reporting for consumers who received pandemic-related accommodations.

Violations of the FCRA ( 15 U.S.C. 1681 ) & CARES Act : Unlawful Furnishing and Use of My Credit Information ( 15 U.S.C. 1681b ) I never provided written consent for Experian to furnish or obtain my credit information related to this account. Under 15 U.S.C. 1681b, a consumer reporting agency must have a legally permissible purpose, and Experian must remove this item unless it can provide documented proof of my explicit authorization.

Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) The discrepancy between Experian, XXXX, and XXXX regarding this account is evidence that Experian failed to verify its accuracy, violating its legal obligation to ensure maximum possible accuracy under the FCRA.

Clear Violation of the CARES Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ) Since I notified XXXX of my XXXX-related financial hardship in XXXX, this repossession remark is unlawful. The CARES Act required my account to remain in a current status if I was granted an accommodation due to the pandemic, which I was. XX/XX/XXXX in my Experian credit report still shows 60 days late remark which also needs removal. 

I have attached appropriate proof of my identity, appropriate proof of the discrepancy with my other credit reports reporting on the same account differently and more positively, and a copy of the letter that I am also mailing to experian. I tried to dispute this with them already on. XX/XX/XXXX and they inappropriately responded, not changing any information on my account 's reporting on my credit report.
Product: Credit reporting or other personal consumer reports

These inquires are unauthorized and I am a victim of identity theft. 
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

I HAD A STUDENT LOAN THAT WAS CLOSED AND TRANSFER BUT THE MAIN ISSUE I AM HAVING IS I AM MISSING MY PAYMENT HISTORY ON THIS ACCOUNT. FOR THE MONTH THAT I HAVE MADE PAYMENT. WHAT THE REPORTING AGENCY ARE REPORTING IS NOT ACCURATE. I CALLED IN AND I EVEN TRIED TO REACH OUT TO XXXX XXXX WITH NO LUCK. THE LOAN TRADE LINE XXXX MY PAYMENT HISTORY ON THIS ACCOUNT BEGINS XX/XX/XXXX XXXXAND IT GOES TO XX/XX/2012 I SHOULD HAVE 24 MONTH OF GOOD PAYMENT HISTORY ON THIS ACCOUNT BUT WHAT ITS SHOWINGON MY XXXX  AND MY TRANS UNION   CREDIT REPORT A VERY IN COMPLETE MISSING ALOT ON TRAN SUNION IT ONLY SHOWS 7 MONTHS OF HISTORY ON XXXX  IT SHOWS 9 MONTHS ONLY. ON BOTH IT NEEDS TO BE UPDATE TO SHOW THE COMPLETE.
Product: Money transfer, virtual currency, or money service

I had an account with coinbase to purchase and store crypto currency. On XXXX XXXX I had reason to believe my account had been compromised and immediately closed my account. Upon doing so I was prompted automatically to empty my digital wallets and transfer any balance to external wallets. However, i had vault withdrawal ( a multi-sig delayed transaction Wallet, used for extra security, withdrawals take 48 hours to complete ) of XXXX bitcoin in process which I had forgotten about. I was NOT prompted to transfer this or reminded in any way. As soon as I realised I tried time and time again to contact coinbase to no avail. Finally I managed to get through to them on XXXX XXXX where the operator said he couldnt see the transaction and we then got cut off. I forwarded the withdrawel confirmation email and requested they call me back but they did not. I then managed to eventually get through to them again on XXXX XXXX and this time they confirmed the transfer had gone through and they could see the funds in my old wallet. The operator said he couldnt transfer them manually and a specialist would have to do it, but this would take a few weeks. I had no option but to agree obviously. A few hours later however, I received an email from coinbase stating that as I had closed the account, my funds were now forfeited to coinbase!!! I checked their terms and user agreement and there is no mention of this. They had already confirmed that a ) they can see the funds and b ) they are able to manually transfer the funds. So there is absolutely no justification for them to retain my funds at all, i committed no wrongdoing or breach of our terms. I closed my account ( and opened a new one ) due to security concerns. This is literally robbery!
Product: Debt collection

I have a a unverified account from AD ASTRA RECOVERY SERVICES. I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY S ERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. )
An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 
______________________________________________________________________________________
Product: Credit card or prepaid card

I have bought a nutritional supplement called XXXX from XXXX company on XX/XX/2022 with my capital one credit card for XXXX dollars. Case number XXXX and when I took the supplement it made me very sick that I had to go and see my doctor and I was told by him to stop taking this supplement immediately and return it back to the company because it is NOT FDA approved. So I contacted XXXX company requesting a prepaid return label to return the supplement to them and get a full refund of my money but they refused to send me the refund or the return label. And they refused to resolve the issue and stopped responding to my emails. I disputed the charge with my credit card company capital one Visa card but capital one was unhelpful at all and they are not responding to my dispute and asking for all kinds of documents and second opinions .its like they want to make it impossible for me to get my money back and for them to have an excuse to deny my dispute claim. Capital one credit card has the worst customer service quality and they have a very poor business practice. This is a simple dispute claim. I bought a supplement and it made me very sick and the seller has a 100 % satisfaction guarantee or my money back so I am NOT satisfied with the product and it made me sick and I want my money back and capital one should refund me my money permanently. A permanent credit to my card. Capital one credit card case number XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please DELETE the item, or inaccurate information, from my file immediately & send me the results to the address .XXXX XXXX