23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a checking account on Chase, and on the day of XX/XX/, I checked my account received an alert saying my accounts will be closed shortly. And I immediately called the customer service, the agent said I will receive my check within 10 business days of my account closure. But today XXXX XXXX, XXXX, I called Chase customer service again to confirm when will I receive my funds, the agent says she couldnt confirm when can I receive it, the funds is on hold for authorize but didnt ask me for any proof. I would need it for normal living and paying the rent and paying the credit card. I understand Chase decided to close my account, but why couldnt I having my money back while its only about XXXX from my employers direct deposit and my personal used items sales also currency exchange. I need to pay the debt I have and my rent and my credit card or my credit would also be affected. I saved these funds in last 3 years since I started working.
Product: Credit reporting or other personal consumer reports

I have identified discrepancies in my credit report across XXXX, XXXX, and TransUnion, as detailed in the attached documents. 

Discrepancies Found : Payment History : Inconsistencies in reported on-time payments and late payment records across the three major credit bureaus, which misrepresent my payment behavior.

Account Status : Variations in how the account status is represented, which impacts my creditworthiness.

Relevant Legal References : Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) obligates credit reporting agencies to reinvestigate disputed information and correct or remove inaccuracies within 30 days.

Section 623 ( 15 U.S.C. 1681s-2 ) requires information providers to maintain the accuracy of reported data and promptly correct any identified inaccuracies.

Requested Resolution : Conduct a thorough investigation of the disputed account.

Correct or remove the inaccurate information from my credit report.

Provide me with an updated credit report reflecting the corrections made.

Enclosed are copies of my credit reports from XXXX, XXXX, and TransUnion that highlight the discrepancies, along with any supporting documentation relevant to this account. 

Thank you for your prompt attention to this matter. Please inform me in writing of your findings and any actions taken.
Product: Credit reporting or other personal consumer reports

Informed XXXX and Equifax to Remove listed Inquires. 
And produce P.O.A and Informed Them That the name XXXX XXXX XXXX and any variation of the name is attached to a Registerd Security Agrement
Product: Debt collection

I, The natural person and consumer initiated this consumer credit transaction in XXXX. At some point in XXXX i stopped using the card ; Shortly after that WELLS FARGO damaged my consumer report by reporting the account to collections claiming i had owed an alleged debt. I Sent the initial dispute requesting validation on XX/XX/XXXX as well as a cease and desist asking Wells Fargo to stop all illegal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. I also filed a CFPB report ( XXXX ) ; i then received correspondence back on XX/XX/XXXX stating that Wells Fargo provided information validating the account. However I never received the 5 things required for validation, nor did I receive anything proving they conducted a investigation. Ive since sent out another affidavit on XX/XX/XXXX stating facts about alleged debt.
Product: Money transfer, virtual currency, or money service

The Mobile wallet Im using is Cash App. Recently some people couldnt send me money and awhile back I had got scammed for money I would like at least {$100.00} or more for this and not getting information from cash app about it.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX XXXX XXXX XXXX-date open XXXX XXXX, account # XXXX, amount {$210.00} 2.XXXX account resolution-account # XXXX, date open XXXX XXXX, amount XXXX 3.XXXX XXXX XXXX XXXX-account # XXXX, date open XX/XX/XXXX  , amount- {$3000.00} 4.XXXX XXXX XXXX- account, date open XXXX, account number XXXX, amount {$1200.00} 5.XXXX XXXX XXXX XXXX, date open XXXX, account number XXXX, amount {$240.00} 6.XXXX XXXX XXXX XXXX , date open XXXX, account XXXX, amount {$860.00} 7.XXXX XXXX XXXX date open XXXX , account XXXX XXXX 8.XXXX XXXX, date open XXXX, account number XXXX, amount {$3000.00} 9.XXXX Account, date open XXXX, account number XXXX, amount {$3000.00} 10.XXXX, date open XXXX, account number XXXX, amount {$860.00} 11.XXXX, date open XXXX, account number XXXX, amount {$980.00} XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX : Inquiry date XXXX XXXX XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX  XXXX ; Inquiry date XXXX XXXX  ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX INQUIRY ; Inquiry date XXXX XXXX ; XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX-Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX  ; Inquiry date XX/XX/XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX-Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date ; XXXX XXXX ; Inquirydate XXXX XXXX ' XXXX  XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX
Product: Debt collection

On XX/XX/XXXX I received a notice from XX/XX/XXXX that 5 new accounts were reporting negatively on my credit report in the total amount of {$4100.00} and $ XX/XX/XXXXI saw 5 different collections from the same Collection agencyXX/XX/XXXX for outstanding medical bills from 6 years ago. I never ever received anything from the Original Creditor stating that I owed anything. I did have medical coverage and since I never received a bill I didn't even know I owed anything. I have disputed this several times via both XX/XX/XXXX and all three credit reporting agencies online and in writing only for them to send back a report stating " Account information disputed by consumer, meets FCRA requirements '' I have requested validation from the collection agency on XX/XX/XXXX for them to send me anything from the original creditor with my signature agreeing to pay this alleged debt. They sent back their version of a validation letter on XXXX XXXX XX/XX/XXXXXXXX the letterhead with various dates of service, but nothing really verifying that I agreed to paying this debt in writing with my signature on it. I have asked both the Credit reporting agencies and the collection agencies to send me something with MY signature on it to verify this debt and I keep getting the runaround.
Product: Money transfer, virtual currency, or money service

My. Name is XXXX XXXX and I am XXXX XXXX XXXX. I have invested over {$200000.00} in portfolio of various virtual currency with Coinbase Inc. I was last able to log inno the portfolio on XX/XX/XXXX. In the early morning of XX/XX/XXXX, I was denied log in and strayed the process of resetting my password. I was only getting automated emails with directions to wait for 24 hours. I have yet to receive the reset password link. Six or seven hours later, on XX/XX/XXXX, I called their automated line wirh requests and was not able to connect with anyone at all or recieve any answers. I locked the account acvitity via phone - only option available and am waiting for any sort of update until now. These were my life savings and since I used my institution to transfer the funds, I have proofs and can show the total amounts invested. I am looking for a resulution of this horrible situation, since this has driven me to suicidal thoughts. 

I appreciate your help.
Product: Student loan

My XXXX  loan payments are too high and I cant make them. I called Edfinancial and they recommended a different repayment plan that would lower my payments. They helped me apply and told me to wait 30 business days for approval. It has now been 50 business days with no approval. I am now two months behind on payments, I keep getting emails that my account is delinquent, and I am accruing interest every day. I call edfinancial weekly and they are so kind, but they just keep telling me to wait and that applications are taking longer due to a high volume of requests. I understand this is an issue, but there should be a way for me to get more information about my specific application ( where am I at in line? What is the expected CURRENT wait time? Is my application not being approved bc I need additional documentation? ) instead of a generic and unhelpful, albeit kind, response. I applied before the general forbearance was over and expected to be approved by the time my loans came due. A few days or even XXXX week extra is understandable, but this kind of delay while interest accrues in my account is unacceptable. It is especially unacceptable without information on how much longer I can expect to wait. I see information on the edfinancial website that concerns/confuses me, but the people I speak to on the phone dont seem to care or have any interest in listening to my whole story so that they can figure out if there is something I missed/need to do.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting if any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have a right to privacy. 

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions. 



I am requesting for the original copy of the agreement terms & conditions. Failure to comply will forfeit your claims and will require you to delete all of the items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting or other personal consumer reports

There is a collection account by the name of XXXX XXXXXXXX XXXX XXXX  thats on my credit thats not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Vehicle loan or lease

XX/XX/2023. I was looking at my bank statement and noticed that PenFed Credit Union was charging me late fees on automatic payments from my checking account. I called them today and was told by their customer service person the late fees were for unpaid charges related to not having auto insurance coverage for approximately one month. This issue of not having auto insurance had came up once before and I sent PenFed Credit Union proof of coverage, however, they say now that I was uninsured for one month and therefore they placed their coverage on my vehicle for this time period. I offered to pay for whatever this extra amount was but was told I could not pay for it separately, and the payment for this coverage would now have to extend over the life of the loan. My loan payments are automatically deducted monthly, however, this additional fee causes the regular payment to be short and the short payment incurs late fees. The representative wanted to increase my loan payment from ~ {$720.00}. to $ XXXX to account for this extra fee and late charge but I was not comfortable with this and told the representative I thought this was unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts remain un-verified and or innacurate ....
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX \nSubject : Notice of Dispute and Request for Debt Validation\nAccount Number XXXX XXXX/COMENITY/XXXX XXXX To Whom It May Concern : I am writing to formally dispute the alleged debt associated with the above-referenced account. I do not recognize this debt, and I deny owing any amount to XXXX XXXX XXXX. Prior to this letter, I requested debt validation from the original creditor, but they failed to provide it and instead referred me to XXXX XXXX XXXX Given these circumstances, I am requesting that you validate this debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

Please provide the following documentation : 1.Proof of Debt - A complete and itemized validation of the debt, detailing the amount allegedly owed and a breakdown of any associated fees, interest, and charges.

2.Proof of Ownership - A copy of the purchase agreement or assignment of the debt from the original creditor to XXXX XXXX XXXX to substantiate your authority to collect this debt.

3.Licensing and Bonding Information - Proof that XXXX XXXX XXXX is licensed and bonded to operate as a debt collector in [ Your State ]. 4.Full Disclosures - Any other documentation in your possession that supports your claim of this debt, including the name and address of the original creditor and any contract or agreement that establishes an obligation for me to pay.

5.Reporting Information - Confirmation of whether this alleged debt is currently being reported to the credit bureaus by XXXX XXXX XXXX or if the original creditor is still reporting it. I also believe my rights have been violated through misleading, false, and deceptive representations regarding this debt, which raises further concerns about the legitimacy of your claim.

Additionally, I would like to inform you that, to the best of my knowledge, the statute of limitations on collecting this debt has expired in [ North Carolina ]. If this is indeed the case, you are no longer legally permitted to attempt to collect or take legal action on this debt.

Until you provide the requested documentation validating this debt, I am requesting that you cease all collection activity related to this account, including communications with me, as well as any credit bureau reporting on this debt. If this alleged debt is currently being reported, you must notify the credit bureaus that it is in dispute.

Please respond within 30 days of receiving this letter. Failure to provide the requested information will be taken as confirmation that you can not validate this debt, and I will consider the matter a further violation of my federally protected consumer rights.
Product: Checking or savings account

I contacted my bank and informed them about transactions that needed to be charged back as the services were not rendered. The bank refused to handle the problem and in fact gave me the run around and several reps hung up on me. I even provided evidence and the bank did not care.
Product: Credit reporting

I did not apply for credit with XXXX on XXXX/2016. Also, I never lived at XXXX in XXXX GA XXXX at any time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX USA These companies are Violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my written consent for these accounts to be reported on my credit. These are not my accounts! I demand they get removed immediately!
Product: Credit reporting or other personal consumer reports

I asked TransUnion to block and remove all inaccurate/fraudulent accounts from my consumer report, they ignored my communication the first time, I tried to contact them again a second time they never responded. i recently made another dispute through the cfpb stating my rights i have and how they must obey them, or I'll be taking legal actions. they responded back to me basically dening my request. They basically said cfpb is a third party, that I didn't authorize to dispute through which is incorrect i did dispute through cfpb because i could get anybody to help me with my old communications and dispute going straight to TransUnion. They are still refusing to give me my fair credit reporting rights as a consumer by reporting inaccurate/fraudulent information on my credit report which is illegal. They are furnishing data monthly that is assinating my character i cant get a job I'm homeless I'm having mental break downs behind this. if my rights are not met i have other choice but to take legal actions towards TransUnion.
Product: Credit card

American Express is demanding payment of old annual fees on a dormant account otherwise with no balance or charges. 

I encountered severe problems affecting my health and my wife managed my business affairs. American Express insists on collecting annual card fees for that time despite the fact that they sent no notices and the account has been idle for at least 5 years. This is unconscionable as I received and asked for no services from them during that time.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted. Equifax, Please delete the following accounts XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX XXXX XXXX {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$26000.00} XX/XX/2019 XXXX XXXX XXXX XXXX {$9000.00} XX/XX/2019 2019
Product: Credit card or prepaid card

Ive had the Synchrony Bank/XXXX credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time. 

Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled. 

A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create. 

They lied, their business practices do not keep the consumer in mind, and something should be done to them!
Product: Credit reporting or other personal consumer reports

AMERICAN EXPRESS Account type - Credit card Date opened - XXXX. XXXXXXXX XXXX  Address AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX Above Account created under AMERICAN EXPRESS without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.