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

I XXXX XXXX XXXX ( Married name ) opened a Credit Card with XXXX  XXXX XXXX with a credit line of {$800.00} on XX/XX/XXXX as XXXX XXXX ( Single Name ) because of lack of communication at the branch where i opened since i didn't speak English neither XXXX which the XXXX  XXXX XXXX associate spoke, i didn't make payments on time, so it went for collection. 
But i never refused to pay for my debt, i just refused to pay the outrageous bank over fees, so as it went for collection i negotiated with the collection agency and Settled the balance in Full. 
Also i want to report XXXX  XXXX XXXX for fraudulently using my married Name to report on my new social Security name that i obtained after my marriage privilege that gave me a status of obtaining a social security number which i didn't have any when i opened this account on XX/XX/XXXX as a Single Lady. 
My Social Security Number only got issued this year on XX/XX/XXXX. 
I am not neglecting to pay any legal amount that i owe, So only what i owed, i paid and settled in Full. 
The Representative at XXXX  XXXX XXXX told me that i didn't have to make any payment on this credit card till after 8 months of opening it. 
I invest my money oversees in Banks so i totally understand how horrible fees can be if not managed properly. 
I could even file a Consumer Law Action about this but i rather seek for my rights with Consumer Financial Protection Bureau. 
So i Hope this finds a good hearted person to help me dispute this from my credit correctly. 

Thank you so Much. 
Kind regards XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian has deliberately gone in to avoid my requests for information to be updated and other information to be removed from my account. They have sent multiple emails saying they dont believe this is me however both a copy of a utility bill and my drivers license and social.
Product: Debt collection

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated XXXX timeframe. 

How can it be that your bureau dares to dismiss my legitimate claim? Who are you to sit in judgment, claiming to know better than I whether I have been a victim of identity theft? Your refusal is not only maddening but an affront to decency and fairness. 

XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

It is paramount that we resolve this matter promptly, within the XXXX timeframe mandated by law. I demand immediate action and a written acknowledgment of this dispute letter. 

My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served.
Product: Money transfer, virtual currency, or money service

I am an XXXX citizen, and I have a complaint relating to Coinbase. 
The problem started when I decided to withdrew my money, XXXX euro. It was on XX/XX/XXXX. I paid a fee of XXXX euro, so I have to receive XXXX euro via XXXX transfer. On XX/XX/XXXX, they put my withdrawal on " Pending '', and I did n't received my money. I asked them information on XX/XX/XXXX, and I received only an helpless computer answer. I wrote again to ask information on XX/XX/XXXX and XX/XX/XXXX, without answers. Today XX/XX/XXXX, I fear I am loosing my money so I 'm searching for help
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 TransUnion 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 TransUnion disputing 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.

First-Time Issue : 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, TransUnion 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: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items on my credit report, which I believe are fraudulent and were not authorized by me. 

Fraudulent Account ( XXXX ) : I have noticed the following account ( XXXX ) listed on my credit report that I did not open, authorize, or benefit from : XXXX XXXX XXXX  account number : XXXX. 
Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX account number : XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  account number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  account number : XXXX Date Opened : XXXX XXXX, XXXX I believe these accounts are the result of identity theft or a mistake. Please investigate this matter and remove the account ( XXXX ) from my report as soon as possible. 

Hard Inquiries : I have also noticed the following hard inquiry on my credit report, which I do not recognize or authorize : Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Please investigate this inquiry and remove it from my report if it was made without my consent. 

In support of my claims, I have attached a copy of my government-issued ID, proof of address, and any other documentation that XXXX assist in the investigation.
Product: Money transfer, virtual currency, or money service

The section of the Bank XXXX XXXX and Privacy Notice entitled " Arbitration Procedures '' states, in part : " Either You or Truist may initiate arbitration by submitting a demand for arbitration to the arbitration administrator .... '' and " Any demand by You must be delivered to Truist Bank Legal Department, Attn : General Counsel - Arbitration Election, XXXX XXXX XXXX XXXX Mail XXXX : XXXX, XXXX XXXX NC XXXX, and our notice must be sent to the most recent address for You in our files. '' Based on the aforementioned verbiage, I am assuming that : ( i ) the usage of the term " may '' indicates that my submission of a demand for arbitration to the arbitration administer is optional ; ( ii ) the usage of the term " must '' indicates that a demand for arbitration submitted by me directly to Truist, and without submission by me to the AA, is a pre-dispute arbitration agreement; and ( iii ) the meaning of the term " address '' includes either : ( a ) the most recent account statement for my account; ( b ) my account itself; and ( c ) any other account statement for another account or the account itself.
Product: Checking or savings account

Bank of america closed my business and personal accounts for no reason and are holding my money XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15 U.S.C 1692C 26 U.S. Code 7529 I received a copy of my credit report with the intention of trying to mprove my credit and take care of my responsiBilities and noticed accounts that are suspicious and inaccurate. I havent received an update or response. I have an identity theft report that includes cyber attacks and attacks on my bank accounts as well as my credit card, loan attempts and attempts to apply for additional credit cards. 

TRANS UNION XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX Inquiry Type Individual XXXX XXXXXXXX Location XXXX XXXX XXXX XXXXXXXX, VA XXXX Phone ( XXXX ) XXXX ^ Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Request XX/XX/XXXX Individual ^ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX Inquiry Type XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone ( XXXX ) XXXX Permissible Purpose CREDIT TRANSACTION Requested On XX/XX/XXXX Inquiry Type Individual ^ XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX Inquiry Type Individual ^ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  SD XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Ave., XXXX, XXXX ND XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX Phone ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint With the cfpb because I have disputed with the credit bureau Equifax About a inaccurate account on my report that is being wrongfully reported. XXXX XXXX ( account # XXXX ) it has closed the account I had with them for no apparent reason. They stop deducting funds from my account in XXXX of XXXX with no apparent warning or explanation at all. I tried contacting XXXX XXXX on why they're not deducting the monthly payments from my account anymore and I have received no response from them in the last XXXX years that I have try to receive an answer. In XXXX of XXXX they closed my accountWhat 's charge offwith no warning and still have not responded to my request for reason of not accepting my funds or cancellation. I filed a dispute with the credit bureau Equifax To verify this account because they closed my account with them for no apparent reason and stop deducting money from my checking account. I still have the furniture and they haven't contacted me back upon numerous requests for an explanation or to come pick up the furniture to resolve this issue. I'm contacting you to have this account removed from my credit report immediately. because I filed a dispute with Equifax in XXXX of XXXX and have not received a response from them as of today XX/XX/XXXX Which is a violation of the Fair Credit Reporting Act for 30 days non-response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

County Searches : I don't understand why this is on my report Charge : XXXX XXXX XXXX ( STATUTE : XXXX ( A ) ) Explanation : This was a family oriented first offense moving into a new state and a new city, not XXXX related with passengers at risk. This offense was way before I started doing XXXX XXXX XXXX  from year XXXX until XXXX with tremendous ratings and passenger satisfaction. Their safety comes first much like I am a responsible father and driver to my kids and family. You can not ignore my XXXX XXXX  with complete satisfaction record. Please review this offense and have the report fixed so that I can be reinstated to drive for XXXX Thank you,
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 5 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Carmax Auto Finance Account Number XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Vehicle was paid off by the insurance company and the account is still being reported late on my credit report.
Product: Student loan

I want delinquent payments taken off my payment record. On XX/XX/2015 I payed 3x the payment amount ( {$240.00} ), then the record says no payment was made until XX/XX/2015. I have since made 39 consecutive monthly payments of the requested amount, and I have paid one loan off in full. The company said they did not have a resolution to the problem. Due to the duration of consistent payments and the inactivity of the company to resolve the problem, I am filing a complaint here.
Product: Debt collection

This stems from a medical bill for services never rendered. I have already beaten this repeatedly In the past years from other debt collectors. Consumer adjustment has flagged XXXX  three different times in the past two weeks with exactly the same fraudulent bill. They are bullying and harassing me for {$1900.00} and they have put it on my credit report three times for the exact same amount from the exact same bill.This is an absolute fraudulent bill thats why I have literally beaten it at least five different times from five different collection companies in the last four years. Consumer adjustment has flagged XXXX  on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX.They have also flagged XXXX  with the same fraudulent collection on XX/XX/2020. They are repeatedly hitting up my credit report to try to bully me into paying them money that is not owed.I do not owe this money, I will not pay this money no matter how many times they try to destroy my credit. This is absolute harassment and bullying on a collection I absolutely do not owe. These are horrible tactics to try to ruin someones credit on money that was never owed.I am baffled how these horrible companies can put whatever they want on your credit report with absolutely no proof that you owe any monies.
Product: Student loan

NaviRefi employs a bait and switch tactic that puts a hard inquiry on students looking for loan refinancing. The bait is that in the first window, you see MULTIPLE " Check Your Rate '' buttons on their homepage without any indication that this check will be a hard inquiry -- not a soft check. Then, when you click on the button, you get to this page : XXXX XXXX XXXXnavirefiXXXX XXXX  At the bottom of the page, you STILL see a notice that says " Continuing this step won't affect your credit. '' This is all part of the bait.

The SWITCH happens by the time you get to a third screen and they allege that the message changes suddenly to, " ah, but this will affect your credit, after all. '' They hide or delay a completely polar opposite message -- after LURING you into the screen for several steps, rather than clearly labeling that completion of the process is, in fact, a hard inquiry. 

NO reasonable person would think that several steps and windows stating that a soft check is needed, would suddenly change to a hard inquiry. 

The fact of the matter is, I input my information on XX/XX/year> -- from the XXXX XXXX at the time, and this location has been verified by Navient themselves. It was almost XXXX or XXXX XXXX. or so for me, not to mention insomnia/jet lag had weighed heavily on me, so I was very easily trusting their process. I didn't even notice that the checkbox had changed -- as they assert -- to a different message. 

The whole time, my assumption was that the same consistent message of a soft check would continue the whole way. 

I did not expect a bait and switch. 

They need to be admonished and they need to remove this hard inquiry I never asked for. It is a predatory move. 

They need to state that everywhere, and from beginning to end, that the COMPLETE process requires a hard inquiry. Don't first state that entering information that does not at all complete the process is a soft inquiry or a " no check. '' Obviously anybody entering anything anywhere will not receive a hard inquiry. Contrarily, everybody entering complete information on NaviRefi WILL receive a hard inquiry -- and that message needs to be communicated from START to FINISH, not at the very end after switching up the message.
Product: Debt collection

I am writing to formally dispute the reporting of certain collection account on my credit report that I did not authorize or contractually agree to RESURGENT/LVNV FUNDING my account number ( XXXX ) was reported without my consent, and I demand its immediate removal as they are inaccurate and damaging to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), furnishers and credit reporting agencies are required to ensure that all reported information is accurate and verifiable. Since I never entered into any contractual agreement with these collection agencies, I dispute the legitimacy of these accounts and request that they be deleted from my credit report immediately. 

Furthermore, I am issuing a formal cease and desist notice to any and all collection agencies attempting to collect on these disputed accounts. Under the FDCPA, I have the right to request that all collection efforts, including phone calls, letters, and reporting to credit bureaus, immediately cease. Any further attempts to collect on these unauthorized accounts will be considered a violation of my consumer rights and subject to legal action. I have already attempted to resolve this matter with the credit bureaus, but they have failed to provide sufficient verification proving the validity of these accounts. 

If these collection agencies can not provide a valid, signed contract demonstrating my authorization, they are in violation of federal law and must remove these accounts from my credit file. These inaccurate and unauthorized accounts are severely affecting my creditworthiness and financial opportunities. 

I request that the CFPB take immediate action to investigate this matter and ensure the removal of these accounts from my credit report. Please provide written confirmation of the actions taken in response to this dispute. I appreciate your prompt attention to this matter.
Product: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I never had any medical services with anyone.
Product: Payday loan

I did all the steps right they just di n't deal with my bank i was with
Product: Credit reporting

To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus Equifax, Transunion and Experian requesting them to close an investigation for disputed items on my credit. I requested them to remove the " DISPUTE REMARKS '' from my credit report since the investigation has taken over 90 days. 

I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.
Product: Debt collection

For months I have been harassed by this incredibly rude and unprofessional company. They have called and yelled at me, hung up on me and refused to give me any information.
Product: Checking or savings account

Chase has opened 2 checking accounts without my authorization the first debit card was received on XXXX which I called and was told on the phone that the account was fraudulently created and that they would flag my personal information and cancel the account. Then on XX/XX/12 another debit card was receieved ( different number ) calked to report after 36 minutes on hold call was disconnected and secind call placed. Very concerned that Chase is allowing creation if new accounts without customer approval or awareness. Also not alerting they have a fraud issue if that is the case causing this situation.