23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally request your assistance regarding a significant inaccurate error on my credit report maintained by TransUnion. I have discovered that TransUnion is inaccurately reporting a late payment from my XXXX  company, despite having consistently made all payments on time since XXXX. Notably, both XXXX and XXXX Credit Reporting Agency do not reflect this erroneous late payment in their reports. I have reached out to TransUnion multiple times and provided documentation, including receipts of my timely mortgage payments ; however, they continue to refuse to correct this mistake. This false information is adversely affecting my credit score and overall financial standing. I kindly ask for your intervention in resolving this matter and ensuring that TransUnion rectifies this error promptly. Below, I have attached my on-time receipt payment between XX/XX/XXXX and XX/XX/XXXX for my monthly mortgage regarding the month Transunion is reporting falsely and inaccurately ; documents of on-time payment from the other XXXX credit reporting agencies and my driver 's license are also attached. 

Thank you for your attention to this urgent issue.
Product: Debt collection

On XXXX XXXX, XXXX at XXXX XXXX Portfolio Recovery called my wife and I at home in attempt to try to make contact regarding a debt. The problem is our number is listed on the Do Not Call Registry. They  were calling late, while we are in bed trying to get our rest. We have had this happen several times before and are getting tired of this.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles 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 list funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has 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: Prepaid card

I have received two gift cards valued at USD {$100.00} each as gifts. 

I have tried to work things out with merchants online, tried to utilize it in store and it did not work at all! 

In fact, when I use it online and it got declined, there was a transaction fee of {$0.00} that was charged each time I have called customer service at the merchants and they have attempted to work out the matter with me, even advise the platform like XXXX which they use to process payment ; to no avail did it work. 

I have checked the card online and see the balance are available and active to use. 

I have called American Express Customer service and they told me only select store accepts the card and made poor excuse saying its because these store did not require security measure and/or because this is anonymous card and require informationwhat? 

They just said try at other stores and i rather not lose faith and continue deduct my balance because of the lack of its capability to function as its supposed to! 

If necessary I can provide the two cards I have information and show its active
Product: Checking or savings account

I already filed a complaint with FTC and they referred me. I have banked with BB & T for over a year and realize nobody is perfect! I noticed outrageous fees in my account, and contacted my branch in XX/XX/2019. No resolution and no assistance! On XX/XX/2019 opened a new account stating that I wanted fees fixed! Spoke to a representative at bank stated someone would call me back, no response! On XX/XX/19 they initially started transferring from my savings and abruptly stopped reversed all transactions and started charging OUTRAGEOUS FEES ON ANOTHER ACCONT WITH FUNDS IN SAVINGS! Are required to follow and obey LAWS??? ( as all complaints seem to address similar situation, excluding funds available in savings account ) 2 emails sent on XX/XX/19 and a response from same rep as the initial call ( CLEARLY SHOWING SHE WAS ABLE TO ASSIST ) but no sort of resolution. On XX/XX/19 sent very nice email stating I was seeking resolution and forward progression, auto reply of out of office till XX/XX/2019.  Benefit given to BB & T and only received auto reply of out of office till the XXXX. Again assuming the best waited again no response! On XXXX filled complaint with FTC, and they referred me to CFPD. Waited till today XX/XX/19 and no response! Now based on all outstanding facts I AM REQUESTING THE {$5000.00} IN FEES AND {$2500.00} IN HELD FUNDS ( Dollar amount within {$200.00}, not able to provide exacts as they online account I have been disabled in viewing. ) In conclusion they quoted FDIC and was a false quote ( FRAUD ) as to quote one is " verbatim ''. In conclusion my damages are being accessed presently and will be perused! I am now requesting CFPD to assist with the minimum of funds held on undisclosed time frame and have been verified BB & T have received funds, and fees. Damages to seek counsel for. Now over 30 days of cleared funds HELD!
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Synchrony bank wants me to contact some sketchy XXXX party associate of theirs instead of them fixing an account access problem relating to my phone number. The XXXX is on synchrony and it is incumbent on them to not deprive customers of account access. 

I am not a XXXX customer as far as I am concerned and I have no business calling them or divulging protected information to them.
Product: Debt collection

I have been dealing with this company ( AMCA ) since XXXX when I had a medical bill that fell into collections due to the fact that I moved and never received the bill. I set up a payment plan with the collector and paid off my balance and I even received a case number stating that it was paid in XXXX. I recently discovered a derogatory mark on my credit from them so I called to find out why and apparently they have no record of my automatic payments that were set up or that I paid in full, theyre stating I had bounced checks, Ive never written them any checks what-so-ever, I have asked for verification and validation of my payments multiple times and never received anything from them. I printed out proof of my payments via bank statements and they still have not removed my balance and also have not removed it from my credit report. I do n't know what to do to take care of this situation, theyre extremely unorganized I receive different information every time I call them and they never have a clue what is going on. I can provide you with my bank statements via fax as well to show that this has been paid, however I am unable to attach them to this complaint because they are not saved to my computer,. I just want to solve this matter as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a valid debt. yet it is showing on my credit report from XXXX, XXXX, and Experian. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. I have also signed up with XXXX XXXX XXXX for internet and was required to go through a credit check with XXXX XXXX XXXX and other XXXX XXXX XXXX companies. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor.
Product: Debt collection

So I lived at XXXX XXXX and gave them my protection order legally rem, moving me from the lease. They told me I was removed. I got tagged on my credit report for rent owed etc. for the year XXXX I tried explaining to the genesis agents this was incorrect and they said id have to give them the evidence I sent it to them via email this week and have tried to reach back out to the debt representative, but they said he'd call me back. I remember in one conversation the rep discouraged me from talking to the property when I was talking to him saying that companies sign an agreement or something with the property saying they wont talk to the person who owes debt and I can only talk to genesis.

I first reached out to Genesis on Friday XX/XX/2022 I sent them all the evidence I had from me and haven't heard anything back at all.
Product: Checking or savings account

Point of Sale system closed on XX/XX/2019, but still getting charged monthly for merchant service. I contacted bank and case was opened last year. I still have not received funds back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 XXXXXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> my car payment to Wells Fargo Auto was scheduled and I believed it was paid. Fast forward to XXXX I receive a late payment notice. I called and rectified the situation ( bank error ) and was told they would remove the late fee. They never did. I called this last week and was told Wells Fargo could not remove the late payment from my credit report, but to file a dispute and it would be removed however it was not removed. This was simply a banking error, and I have never had a late payment with them before or since I would like this removed as it was inaccurate and was due to a banking error, not a nonpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Sir / Ma'am, Please be advised that this is my SECOND attempt, seeking your assistance in this matter. I sent you certified mail back on XX/XX/XXXX regarding no correspondence from the credit bureaus dealing with a complaint about accounts that haven't been verified. I simply requested that the bureaus show proof that the debt belonged to me. All 3 bureaus had already exceeded the 30 day allotted period when I reached out to your company on XX/XX/XXXX. On XX/XX/XXXX, I received a response from XXXX  and XXXX  stating that the debt had been verified. The response letters from 2 of the bureaus, which I will upload were dated : XXXX  XX/XX/2021 XXXX  : XX/XX/2021 Experian : No response as of the date of this writing As previously stated the date of XX/XX/XXXX was in excess of the 30 day mandate by at least a week.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XX/XX/2019 Resurgent Capital ServicesXXXX XXXX confirmed their understanding that I wished them to cease communication with me and to immediately stop emailing me at my share work email address where other people have access to my emails. I made it very clear in my complaint that they were disclosing my debts to other people and that I was requesting for them cease all communication on any accounts held currently and prohibit future contact on any future accounts. For a very brief time after they responded to my complaint acknowledging my request to discontinue communication, all correspondence stopped. A short time after, the aggressive emails began again on XX/XX/2019. Resurgent Capital Services/XXXX XXXX has made a conscious decision to ignore my request and the Fair Debt Collection Practices Act ( FDCPA ) by continuing to harass me and disclose the debt to 3rd parties. Emails come in every week. Im requesting escalation of my complaint to the FTC. Previously, Resurgent Capital ServicesXXXX XXXX falsified their contact records in order to claim no wrongdoing on their part. I have attached evidence of their continued contact and FDCPA violations. I am confident that a review by the FTC will show that Resurgent Capital ServicesXXXX XXXX has been dishonest and continues to break the law.
Product: Debt collection

A credit line of {$300.00}, XXXX credit card was opened in my name on XX/XX/XXXX. However, amount owed is {$610.00}. A company Debt Recovery Solutions , LLC sent me a copy of the statement XX/XX/XXXX. I have tried repeatedly to contact them via phone and email to resolve this. Wanted to know what where the spending habits to see if maybe someone close to me did this. I was unsuccessful. No one ever answers or returns phone calls. Tried reaching XXXX as well, by phone and internet, they won't do anything for me. Opened an account with identitytheft.gov to see if I could resolve this. I was instructed through identitytheft.gov to send letters which I have to both XXXX XXXX XXXX and Debt Recovery Solutions , LLC .Letters were sent out XX/XX/XXXX. I received letter from debt collection XX/XX/XXXX. I am just learning about this. I'm curious as to why this collections company is now reaching out to me four years later. I shouldn't have to pay for credit I never used. My credit is not the best but I am very aware of what I truly owe.
Product: Debt collection

This company has harassed myself, my family, employers and inexcusably my XXXX daughter by threatening her recently that if I don't pay the debt, she will lose everything. I don't agree with the debt amount, and I attempted to settle in XXXX of XXXX for what was the original credit amount of {$850.00}. I explained to them the card was used fraudulently they had zero interest in working with me and wanted full amount of some inflated number. Since that date they have called me numerous times from numerous of numbers and consecutively. They have impaired my ability to get employment and have exasperated my mental and physical health. I filed an answer to their fraudulent claims earlier this year and requested details on how the balance was able to exceed my initial credit limit of {$850.00}, which was never provided. They ignored it and the harassment has continued. I have been on XXXX since XX/XX/XXXX with XXXX and XXXX XXXX in addition to an array of additional symptoms. They refuse to be reasonable, and again the harassment has continued. For example, on XX/XX/XXXX, they called me from a Michigan number 5 consecutive times within a minute. On XX/XX/XXXX, they called 6 times within XXXX minutes. Finally, they had me served today, XX/XX/XXXXXXXX XXXX XXXX, with the latest of their inflated amount and yet no information on how it got to that balance. What makes matters worse is they did it in a way as if they were delivering a XXXX 's XXXX gift to me, which all I have been through these past XXXX years health wise would have been uplifting. As mentioned, I am dealing with XXXX and XXXX and this latest antic crossed the line in my opinion. I understand they are a business, and a difficult one in that, but that does not excuse them to be unprofessional, manipulative and dishonest. The debt is supposedly to me, but they want to manipulate and harass my daughter, family and references of mine that somehow have procured and then mislead me on a very important day for me. Of course, I am not expecting them to know my health status but to deliver it on XXXX XXXX  which they know I have a daughter as they have already harassed her multiple times! Luckily, I happen to have family at my residence when they served me today as I went into a dark place emotionally for a brief period but having family and this avenue to make a complaint helps as it is somewhat therapeutic. Thank you for taking the time to listen and hopefully this can help prevent another individual or family from having to experience their manipulative tactics.
Product: Credit reporting or other personal consumer reports

DeaR SIRS : WAS REVIEWING MY CREDIT REPORT AND FOUND NUMEROUS INQUIRIES WHICH WERE NOT AUTHORIZED BY ME, AND DID NOT APPLY TO THEM! 
LIST AS FOLLOWS : 1.XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX 3XXXX XXXX XXXX 4XXXX XXXX XXXX 5.XXXX XXXX XXXX 6XXXX XXXX 7XXXX XXXX XXXX 8XXXX 9XXXX XXXX 10XXXX XXXX-REPORTED AS FRAUDULENT ACCOUNT ON FTC REPORT # XXXX. 
11. ONLY APPLIED TO XXXX XXXX XXXX FOR AUTO LOAN! AND ALL THE REST OF THESE INQUIRIES SHOWED UP, PLS REMOVE UNAUTHORIZED INQUIRIES!
Product: Credit card or prepaid card

I filed a complaint with the Consumer Financial Protection Bureau against Capital One and then in retaliation, they shut down my credit card account. This account I've had for over 3-4 years, always paid on time with no issues. After I filed the complaint, they sent me a letter shutting me down.
Product: Debt collection

Ive made several attempts to dispute debts on my credit due to inconsistencies with the collectors. Specifically, 3 debts were suppose to be discharged or removed as they were previously settled.
Product: Credit card or prepaid card

I was looking for a new credit card on chase.com ( where I have 2 other cards ). I clicked to learn more details about the chase sapphire preferred card and was automatically signed up ( 1 click ) for a much higher APR than I was expecting.

The link I clicked was for a preapproved card and I assumed that it was going to show me more details about the offer, but instead it just signed me up for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... WFC XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX  XXXX XXXX Account Number XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Debt collection

I pay all of my medical bills via XXXX XXXX and I paid the medical bills for my XXXX XXXX  in full in XXXX of this year. I have reviewed all of the bills I receive in XXXX and all are paid in full. 

I have received an attempt to collect a debt of XXXX now from a debt collection agency. I have never received a bill for this amount, and have done nothing with this XXXX XXXX XXXX of XXXX since XXXX of this year -- and that debt was paid in full at the time of service. 

Attempts to request information both from the XXXX XXXX XXXX of XXXX and the debt collection agency have gone unanswered.
Product: Money transfer, virtual currency, or money service

Dear CFPB, My Name : XXXX XXXX XXXX I'm From : XXXX XXXX My email account Coinbase : XXXX My balance : XXXX ETH My account temporarily disabled since XX/XX/XXXX. I have been waiting for more than 2 year. 

I have been submitting support for the past 2 year but still have not received a response from Coinase. 

I trust coinbase wallet service and all my assets were deposited into the Coinbase wallet however it was locked even though I have shown many evidences that I have not violated your policies. Since I only used wallet storage eth. 

The year XXXX has been a year of the Covid pandemic and my account still be locked, it is making me stand on the brink of being unable to pay for the living expenses and care for my family. 

I hope the support team will help me out of it soon so that I can take care of my family. 

Please help me send my balance to the external wallet address. 

Thank you very much