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

In accordance law with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights.

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
Product: Credit card or prepaid card

I have an account with Bank of America account # XXXX which I paid down to XXXX balance after the account was paid to XXXX it seems that the interest was generated which I didn't realize and to my knowledge the account was paid off so I didn't even think to check. Once I was made aware I quickly paid it off to XXXX  again.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

MANDARICH LAW GROUP , LLP IS ATTEMPTING TO COLLECT XXXX ON REFERENCE # XXXX FOR XXXX XXXX XXXX XXXX FOR SOMETHING I DO NOT OWED. HAVING NEVER DEALT WITH XXXX TO BEGIN WITH. I AM ON SSXXXX, AND MY INCOME IS FEDERALLY PROTECTED FROM SCAMMERS LIKE THIS. I WISH TO HAVE THESE COMPANIES STOP THEIR ATTEMPTS TO CONTACT ME, BECAUSE I OWE THEM NOTHING, AND THE LAW IS ON MY SIDE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open an account with Capital One on XX/XX/XXXX I paid for account in XXXX and account showing charge off which is a tax write off otherwise known as income also reach the statue of limitations. Which mean that it should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Equifax security breach and most likely have had most, if not all, of my personal financial information stolen as a result. This includes date of birth, social security number, full address, and possibly more. This information was leaked due to their security failure, and as such they should be held fully accountable for any fraud resulting from it.
Product: Credit reporting or other personal consumer reports

My information was breached and solicited by the XXXX XXXX and XXXX on XX/XX/XXXX for {$940.00}, Transworld systems XXXX on XX/XX/XXXX for {$140.00}, XXXX Money on XX/XX/XXXX for {$2900.00}. No action has been taken to remove these payments from my credit report, nor was I contacted or received any documentation by either company, why this is reflecting on my credit report. 15 US code 645 states that this is false information and needs to be removed immediately from my account.
Product: Debt collection

Company responded that the two companies, Credit Bureau of the South and Delenquent Recovery, was the same company with a name change that the credit bureau failed to update. Whether valid or not, it is not at the expense of the consumer to ensure the information is reported accurately. Therefore, there are inaccuracies reporting on my credit report which is unlawful. 

As a veteran, I possess adequate medical coverage to ensure medical bills are not left lingering. Furthermore, proof of the validity of this debt has yet to be received as the address provided is NOT my address. Please provide the following for this collection : proof of ownership, the original credit agreement, account statements, an itemized list of charges, verification of the debt amount along with the statute of limitations if the debt is expired. 

I request to have this information provided either on this site, emailed to XXXX, or both since the information keeps inadvertently being mailed to the incorrect address which should be indicative of the error being made here. If this info can not be provided for any reason, I request this debt be removed from all credit platforms immediately.
Product: Checking or savings account

Im reporting fraud on my debit cars and the information was stolen and used to send {$1000.00} on XXXX. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.
Product: Credit card or prepaid card

I have 2 charges that were made on my account early morning for XXXX and the other was for XXXX that was not made by me. I had to work that day I work of XX/XX/2019. I have recently sent information to the cfbp to informed them that my account was now closed due to the multiple times trying to recover the amounts on the account. Attached is a copy of my schedule in which I was working when the transactions took place and also in the previous case XXXX I had sent a police report showing the events that took place. 

please review my old case as well because both of them go together
Product: Credit reporting or other personal consumer reports

I appreciate XXXX 's efforts in removing some fraudulent items from my file resulting from alleged identity theft. However, there are still accounts left that need to be removed from my Experian Credit Report, indicating a compromise in my credit information. It has come to my attention that files sent with an FTC fraud report # XXXX are not being removed, as required by law under Section 605b of the FCRA for accounts opened due to identity theft. The dispute accounts do not belong to me, and I have attached the necessary FTC Report for your reference. For the 19th time, I request the removal of these accounts in accordance with the law within 30 days : EXPERIAN : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX Account Balance {$15000.00}
Product: Payday loan, title loan, or personal loan

The mobiloans website will not allow you to make additional payments. Its set up fraudulently to make it appear as if you can but is actually an endless loop of not being able to choose a date for your intended payment even choosing right now is not an option. I have screen shots of this payment processing inability for several attempts for weeks leading up to my due date of XX/XX/2019 in order to save from additional fees my intention was to apply a larger pymt so that my loan balance would reach a lower tier so i could possibly catch up and pay off this loan without the almost 500 % interest rate. For weeks when i attempt to access the website via my cell or computer the website conveniently has maintenance so you can not schedule or make payments or their is system issues or even when u call their ivr system doesn't prompt or ask if you want to make a pymt only prompts are directed and clear when it comes to extending this line of credit that will surely be your livelihoods demise as it will take your everything you have left unguarded. When i called i was given vague answers that did not allow me to full fill my intention of paying off this absurd loan. This type of predatory lending i thought my government was protecting me from is still alive and well and profiting off the backs of us lower income hourly tax paying workers. Shame on this company and shame on the government that allows it to operate freely.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Failure to Reinvestigate and Remove Late Payment under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( 4/0 ) Account XXXX Dear Sir/Madam, I am writing to formally file a complaint against [ Credit Bureau Name : XXXX/Experian/XXXX  ] for failing XXXX properly reinvestigate and remove a late payment that has been inaccurately reported on my credit report, in violation of federal law. 
Details of the Issue : Account Name : ** XXXX Account Number : ** XXXX Date of Incorrect Late Payment Reported : ( XXXX XXXX XXXX EXPERIAN Date of Incorrect Late Payment Reported : ( XXXXXXXX XXXX ) XXXX Credit Bureaus Involved XXXX ** XXXX, Experian Under the Fair Credit Billing Act ( XXXX5 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4/0 ) ), I am entitled to have any erroneous information removed from my credit report following a proper reinvestigation. I disputed the reported late payment with XXXX and Experian on XX/XX/year>, providing all necessary supporting documentation to prove that the payment was not late. Despite this, the late payment remains on my credit report, negatively impacting my credit score. 
Steps Taken : 1. I submitted a formal dispute to XXXX and Experian on XX/XX/year>, requesting a reinvestigation into the erroneous late payment reporting. 
2. I provided evidence, including bank statements and payment confirmations, showing that the payment was made on time. 
XXXX. I received a response from XXXX and Experian in XXXX XXXX, indicating that the late payment would not be removed without a satisfactory explanation or evidence for their decision. 
XXXX. Adjunto una carta que demuestra que el acreedor no me respondi dentro del plazo de XXXX das, en la cual solicito formalmente que se me proporcione una prueba detallada sobre este artculo especfico. '' [ segn 15 USC 1666 ( b ) ] que ha adoptado para garantizar que cada estado de cuenta peridico se me enva por correo a m ( el consumidor ) a ms tardar XXXX das antes de la fecha de vencimiento del pago. Incluya tambin toda la informacin requerida por la seccin 1637 ( b ) del Ttulo 15.

5.Additionally, I want to inform you that no information about this account appears on XXXX, which constitutes a violation of my rights, since the account must be reported uniformly in the three credit bureaus.
Product: Credit card

I messaged Express Credit Card XXXX today, XX/XX/year>, about an overpayment. I was attempting to request for Express Credit Card XXXX to refund the partial payment back my credit card but no response as of yet. I send too much money, to pay off my Express card balance. I wanted to send Express Credit Card {$50.00}, instead of {$86.00}. Thank you for your concern.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized hard pull inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in section 1681b ( f ), consumers are entitled to the protection of their credit information from unauthorized access and inquiries.

Upon reviewing my credit report, I discovered [ number of unauthorized hard pull inquiries ] unauthorized hard pull inquiries listed on my report. These inquiries were made without my consent or authorization, which is a direct violation of the FCRA.

As per the FCRA, section 1681b ( f ), it is unlawful for any entity to access a consumer 's credit report without a valid permissible purpose, or without the consumer 's express consent. The unauthorized inquiries listed on my credit report not only compromise my privacy but also have the potential to negatively impact my credit score and financial standing.

I hereby request the immediate removal of all unauthorized hard pull inquiries from my credit report, as mandated by the FCRA. Additionally, I request an investigation into the circumstances surrounding these unauthorized inquiries and measures to prevent such occurrences in the future. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation deemed necessary to assist in the resolution of this matter. 

I expect a prompt response to this complaint and the resolution of the unauthorized inquiries in accordance with the FCRA guidelines. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear CFPB, My name is XXXX XXXX XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from PORTFOLIO RECOVERY and XXXX XXXX XXXX. and it is showing on my credit report without my consent. I have no contract with PORTFOLIO RECOVERY nor XXXX XXXX XXXX. and have given no consent for them to use my name, likeness, or credit data. 
Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( XXXX ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C.

1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Follow Up to COMPLAINT ID XXXX The bank has been calling me every two to three hours from XXXX XXXX until XXXX EST, ( my time ). I am writing to request that the bank stop calling
Product: Checking or savings account

Wells Fargo incorrectly entered a wrong Social Security digit on my savings account two  years ago and despite having a mortgage loan and other accounts with the correct social security number on file, will not correct their error. Wells Fargo was provided correct social security documentation to correct the error in person and in the branch, but still illegally withholds funds from the account after being contacted several times in person, calls and written correspondence. I was told by Wells Fargo, they dont know who the CFPB is and told several times that they will correct their mistake but never do after several months and spending over 100  hours on calls and personal branch visits. My last contact was inXX/XX/2021 after several minutes holding and being transferred around calling the Wells Fargo premier customer service line. I have wasted over 100 hours trying to correct Wells Fargo mistakes and illegal withholding.
Product: Checking or savings account

Back on XX/XX/2022 in my Capital One Checking Account, I have burrowed a personal loan from a Company known as XXXX as they allowed me in total of {$1300.00} to help me pay my rent at the time. Unfortunately, Capital One have taken out the amount XXXX has paid me in my checking account without my permission. I have a huge problem with that. Furthermore, Capital One have refused to help me in person at the XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Moreover, I have called them a few times to try to resolve the issue by helping me get my loan money back and etc but, they refused to resolve the issue with me. Additionally, Capital One didn't secure my checking account as many fraudulent companies such as XXXX XXXX and many others have constantly taken money from out of my checking account with Capital One. Fortunately, Capital One has given me some of my back in return such as {$1.00} with XXXX etc. Unfortunately, Capital One haven't given me my loan money and other money back to me. Capital One 's customer service was very terrible. Lastly, even to this day Capital One still haven't given me my full amount of money back.
Product: Credit card or prepaid card

I have called multiple times and even went into the local branch. This bank not only closed my account but they also did not address my problems with fraud. I am a victim. someone used my card to make fraudulent charges and I notified them multiple times. This account is in direct violation with the 15 U.S CODE 1681. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
Product: Credit card or prepaid card

A hard inquiry and a new line of credit appeared on my credit report within the last few days for a store card with Lowes and was maxed out. I did not open this line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT IN MY INFORMATION TO THE CREDIT REPORTING COMPANIES ( EXPERIAN, XXXX, XXXX ) NO ONE HAS DONE ANY UPDATES OR SENT OUT ANY LETTERS IVE CALL THE COMPANIES THAT ARE SAYING I OWE THESE DEBTS AND ASKED FOR MORE INFORMATION AND NO ONE HAS GIVEN ME A STRIGHT ANSWER ON HOW I OWE THIS MONEY ANY THE WHAT TO TAKE IT OUT MY ACCOUNT BUT I WONT GIVE THEM THE NUMBER OVER THE PHONE I DONT NO IF THEY ARE RAL OR NOT OR IF THEY ARE THE PEOPLE WHO STOLE MY IDENTITY.
Product: Debt collection

Upon closure of my company in 2016 I was offered a position in XXXX Fl in which at the time I contact XXXX to cancel service because they were not available in XXXX. Ive called convergent outsourcing to find out that XXXX paces on my credit report for services cancelled with them Ive tried to contact XXXX with no luck to get this fixed and just keep getting hung up on.. theres no way they can charge me for services and place it in my credit if they dont service an area.
Product: Credit card

I am disputing the collection account with WSTLAKESVC, account number XXXX, dated XX/XX/year>, with a balance of {$14000.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that WSTLAKESVC, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial Inquiry on XX/XX/2017. unauthorized inquiry had been made on my credit report, I did not authorize this company to run my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached documents prove that TransUnion incorrectly reports an XXXX XXXX XXXX account as late for the month of XXXX, when payments were made early/on time. XXXX XXXX violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from XXXX XXXX, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the XXXX XXXX XXXX generated technical errors, initiating a series of events - all caused by XXXX XXXX - that were immediately rectified by the consumer ( myself ). Attached documents prove that payments were made to the account on time/early every month, with the month of XXXX being no exception, but the account was reported as " past due '' to credit bureaus due to their technical errors. Though there were no late payments in this case, Attached documents prove that XXXX XXXX violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Attached documents prove that XXXX XXXX and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by XXXX stating that my bank ( XXXX XXXX ) or myself initiated returns for past month 's payments is WRONG. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by XXXX XXXX associates that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing XXXX XXXX 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the XXXX XXXX Statement. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the XXXX XXXX statement ) show that these transactions were never present for myself or XXXX XXXX to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from XXXX XXXX was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the XXXX XXXX  app. Supervisors could not/would not confirm that these documents were even posted to the case or my profile.
Product: Money transfer, virtual currency, or money service

I am a guy from XXXX who started investing into XXXX 6 months ago into Coinbase, what happens its that my account is restricted and I can not withdraw my money and its everything I have. I have been without using my Coinbase wallet since XXXX of XXXX and still can not use it to invest and retire money. I would like to get a compensation because nowadays that bitcoin is getting in its highest numbers again and casually Coinbase restricts my account.