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

Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report.1.XXXX  Account # XXXX 2.XXXX XXXX XXXX.Account # XXXX 3..XXXX XXXX XXXX Account # XXXX 4.XXXX XXXX XXXXAccount # XXXX This account is not mines. Please remove I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

I request that you review this information and make the necessary corrections to my credit report. Additionally I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.

As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency, Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On Monday, XX/XX/XXXX I realized I lost my Chase Sapphire Preferred credit card. I promptly called Chase to let them know, and they cancelled the card and on Wednesday they sent me a new card via XXXX. On Sunday I was contacted on XXXX   by someone who said they had found my credit card in the middle of the street in a town in XXXX. After providing some information I had figured out that this was the new card that Chase sent me as a replacement. 

The most worrying part of this situation, is that someone was able to use my replacement, new, and yet to be activated to make several in-person purchases. I found this out only after contacting Chase and letting them know that my replacement card had ended up on a street in XXXX somehow. 

It is unclear why the card was able to be used before being activated. When I asked the Chase representative about this they said they had no information and there was nothing they can do about it. 

In my opinion this is a blatant security breach and an inherent problem with Chase bank, who have apparently decided to allow for replacement cards to be used to make in person transactions before the card had been activated by its rightful owner.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX My mother XXXX XXXX XXXX and Grandmother XXXX XXXX decided to invest in XXXX through a company called Coinbase. The money transfer happened on XXXX XXXX XXXX at XXXX am from a XXXX XXXX Account ending in XXXX for the purchase of XXXX XXXX XXXX XXXX XXXX. 

In XXXX of XXXX my mother XXXX XXXX XXXX passed away. I became the Estate 's Executor, trustee and personal representative. Since my Grandmother can not use a computer, she is XXXX years old, She asked me to liquidate the assets held by Coinbase. This should have been a non issue since I have the account login and passcode however Coinbase upped their security and I can not access the account.
I first emailed Coinbase support sometime in XXXX XXXX however it took so long for a response that when they did respond I could not respond back due to working 7 days a week at my employment. 

I emailed them on XXXX XXXX XXXX at XXXX XXXX and explained the issue. 

It took forever to get a response and the back and forth started and basically canned responses with no real help. I told them my intention was to liquidate the assets. We have obtained a Power of Attorney so I can represent my Grandmother in this matter and they have had those documents for over three weeks with zero response. It has gone on for so long I doubt this is actually a legitimate company. Since their support is so non supportive and their dispute resolution team has been non responsive after over coming all their objections I have no choice but to file a complaint.
I have 28 full 8.5 x 11 pages of emails printed of my communication with Coinbase. Its been now more than 7 months and still there is no resolution in sight for these assets that my grandmother would like liquidated. There should be no reason for Coinbase to deny me access to the account since we have obtained a legal power of attorney from my grandmother appointing me her representative. 

I firmly believe that it should not take 7 months to get a resolution and that this company has defrauded my Grandmother.
Product: Credit reporting or other personal consumer reports

Ive always had a good record of paying on time, so I believe these late charges are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 XXXX  XXXX bank credit fraud department called me and requested that I confirm my identity. I refused as banks do not usually call someone unsolicited. I told person that I would contact XXXX XXXX directly after verifying that the phone number is factually XXXX  XXXX fraud department ( XXXX XXXX ). I called them back and learned that someone had applied for their silver credit card on line using my social security number and birth date. I informed them that I did not apply to XXXX XXXX for any form of credit and that this was fraud/identity theft. I then checked Experian, XXXX, and XXXX to discover that there was a hard inquiry from XXXX XXXX on my credit reports. This has been disputed and resolved at Experian but XXXX and XXXX continue to show this XXXX  XXXX inquiry. An unknown address and phone number from the XXXX are was also shown by 2 of the credit agencies, which was disputed and removed. 

XXXX did state today that the thief did use my actual name ( without middle name or initial ), my social security number, my birthdate, but the unknown to me : address of XXXX XXXX XXXX XXXX, XXXX IL XXXX and the phone number ( XXXX ) XXXX " This is the same phone number and address that was disputed and removed from my credit report. 

I searched the phone number and address on line and found many numerous names associated to that specific ph and address information that seem to want to appear American yet the spelling oa say atypical American name seems foreign say some XXXX  or XXXX
Product: Checking or savings account

Regions Bank has charged me outrages NSF fees over the last couple of months, each time they take more and more money, they charge my account weeks later for even more fees. Last year the CFPB became very critical of bank over draft fees. Although they agreed to a settlement, Regions bank is still charging outrages NSF fees. This bank thrives off greed and taking advantage of the consumers. I want my money refunded to my account, and for Regions to be held accountable for their actions. We the consumers have enough to deal with especially with the rise in prices. We should not be forced to pay for a CEO greed, Regions should be made to change their banking procedures. They are literally stealing from consumers and not being held accountable, we have had enough. XXXX XXXX XXXXXXXX and XXXX XXXX  are now being sued because of excessive NSF fees, Regions Bank is no better.
Product: Credit reporting, credit repair services, or other personal consumer reports

A COLLECTION XXXX XXXX  XXXX APPEARED ON MY XXXX, EQUIFAX AND XXXX. THIS ACCOUNT DOESNT BELONG TO ME. PLEASE REMOVE FROM CREDIT BURUEAS
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


XXXX XXXX
Product: Bank account or service

The Capital One Bank purposefully and deceitfully blocks my application process for checking account despite I was targeted by them in a mailing. 
The answer provided by their office of the president is fictitious and it is meant to confuse and deceive. Both my PC requirements and the public library confirmed they meet browser criteria specified by message below. Capital One continues to block my application process and when I requested an alternative to solving the issues it was denied. 
Office of the President & lt ; XXXX & gt ; XX/XX/XXXX at XXXX To XXXXXXXXXXXX Message body Capital One CID:XXXX Capital One CID : XXXX CFPB Case No. : XXXX Dear XXXX, I appreciate you taking the time to speak with me on XX/XX/2017, regarding your inability to open a 360 Checking online. As discussed during our call, I wanted to follow up. 

After reaching out to our Technology Team, they discovered that you 're using an unsupported browser for the best experience when opening an account. Below is a list of supported browsers. 

Google Chrome : 55 Mozilla Firefox : 50 Internet Explorer : 11 Safari : 10 Chrome Mobile : 54 iPhone iOS : 10 iPad iOS : 10 If you have any questions pertaining to this letter, please give me a call at XXXX. I 'm generally available from XXXX to XXXX CT, Monday through Friday. 

Thanks, XXXX Office of the President Capital One
Product: Credit card or prepaid card

I AM A XXXX XXXXXXXX AND I WAS PAID WITH A CREDIT CARD. I TRIED TO GET MY FUNDS THROUGH A PROCESSING COMPANY CALLED ( XXXX XXXX )  THROUGH CHASE BANK. THE PROCESSING COMPANY CHARGED ME 3.5 % TO DEPOSIT MY FUNDS INTO MY ACCOUNT AND NEVER DID AND THEY KEPT MY MONEY AND THEY WON'T DEPOSIT MY FUNDS INTO MY ACCOUNT AT CHASE BANK. THIS HAPPEN ON XX/XX/2023 AND I CAN NOT GET ACCESS TO MY FUNDS.THIS XXXX XXXX  COMPANY HAVE LITERALLY TAKEN MY HARD EARNED MONEY AND USING IT AS THEY SE FIT.
Product: Mortgage

On XX/XX/XXXX I apply for a sba loan. For XXXX When I meet in person with commerce bank they look everything ad my credit score and my financial everything look perfect and we sumith it for the loan five days later she send me a email that she need to talk to me by phone. When I call her she told me my loan was not going to happen because it was going to make more debt to my business. And they will deny my loan. I told her send me the reason for denial by writing so I can see better what was the problem because it didn't make sense. She never send me a written notice to explain. And the problem is that all this time I been under contract trying to get the loan and meet the days for closing. Now I'm in really bad situation no other bank can't meet the deadlines for the loan. One of the things that happend during our first meeting that the loan officer Use to sell clothing and she started asking me more and more questions about how that I was able to make my own makeup brand and clothing brand where did I got or how it needs to be done. And I told her that was confidential because it's how I make my business. After that I saw a change on everything. I was never provided with a account number or loan number they just won't return my calls
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain has debited my account twice for the same payment of {$44.00} on XX/XX/XXXX and XX/XX/XXXX. They then report account late 30 days after they finally allowed access to my account. There are no ways to contact other than email. This company goes into your account and take what they want when they want
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, continues to report my credit utilization outside of my billing date. My billing date is the XXXX of each month, yet, my usage was reported on the XXXX @ 16 % and XXXX @ 14 % of XXXX. WHY ARE THEY ALLOWED TO KEEP REPORTING MY ACTIVITY OUTSIDE OF MY BILLING CYCLE EVEN AFTER REPORTING THEM and XXXX  XXXX TO CFPB? this is a form of unethical practices, in addition to harassment, that needs to stop, immediately.
Product: Checking or savings account

I have a business checking account in Wells Fargo. 

It looks like someone hacked my business bank account and made a direct wire payment of {$24000.00} to three people that I never recognized on XX/XX/2021. 
I immediately reported to the customer service on the same day around XXXX but he told me to leave a message to the claim department because the claim department is closed. So I left a message and called in early morning the next day and made a claim on XX/XX/2021. 
I received the first response from Wells Fargo around XX/XX/XXXX that they denied my claim because my ID and Password were used to make this transaction. I reclaimed again and provided a police report and Federal Identity Theft report to inform that my ID and Password got stolen by somehow. However, my claim was denied again in XX/XX/2021. Now, they don't allow me to appeal and forced to close my case. 
Even though their IP record shows that someone logged in my account from 4 different states, DC, TX, FL, and WI recently and my contact number was changed to the number that I never recognize, they still don't take my case as a fraud.
Product: Debt collection

Debt collector presented bill from creditor that I have never had and bill included XXXX in interest have requested validation
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, Equifax and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Debt collection

this account is a result of id theft. i have no knowledge of this account nor have i given anyone permission to use
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> LVNV FUNDING Care of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX To Whom This XXXX Concern I have recently pulled my credit report and notice that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debtor stop collection activity and remove it all together. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged XXXX. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct I hope that your legal staff will agree that noncompliance with this request will resulting serious legal trouble for your company. 

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

Ive been a victim of identity theft someone used my information to obtain credit, and applied for several creditcards and loans that I havent authorize them to check my credit here are the inquires that are fraudulent I didnt authorize them to check my credit Hard inquiries XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Discrepancy in Payment Posting : I made my payment on time ; however, XXXX XXXX delayed posting the payment to my account. Attached is the bank statement showing the exact date the payment was made and processed. The late payment was not due to any fault on my part but rather an internal processing error by the creditor. 

XXXX XXXX : I have consistently made all payments on time for this account prior to the disputed late payment. The late payment does not accurately reflect my history as a responsible payer. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

My previous apartment wrongfully placed us on collection without us being notified about it. I went into contact with the apartment and they agreed to settle and remove the collection they had placed on me because it is a fault on their side since i gave a move out notice complete with the my new address and phone number but i was not contacted. Several weeks goes by and my apartment said it has been taken care of but the collection is still showing on my credit report and i have tried to contact the collection agency many times they just keep saying they ca n't access the account # and send me to voicemail of some guy which never calls me back after me leaving messages
Product: Checking or savings account

Earlier this year my chase account got hacked and it was close due to fraud