23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today, XX/XX/XXXX, I had contacted Procollect to pay off a debt of XXXX from an apartment back in XXXX. I was never notified of this debt via Procollect but decided to pay anyhow since their debt is preventing me from another lease. I had originally asked for a Pay to delete and was told that they are unable to perform that but would send me a payoff letter via email. I strongly advised that they pay to delete this debt but they continued to explain that this was not possible. After awhile of arguing I decided to pay anyhow and would contact a financial advisor later - the financial advisor told me that that Procollect could definitely do a pay to delete but that they refused. Why was I lied to? I have called back since and spoke to a very rude gentleman asking again if they would kindly delete the mark off of my credit so I could get a new lease since I had paid in full but he was extremely unpleasant and continued to tell me that they could not do that. Come to find out, they can definitely do this but just did not want to. I need this deleted in order to have a roof over my head and feel that I paid them for absolutely nothing. I have no idea what to do and wish they would have at least been honest. I need this shown deleted, not just paid in full. I am trying to do the right thing and repair my credit but this is one place I wish I would not have paid since I have nothing to show for it. Please help!
Product: Money transfer, virtual currency, or money service

Coinbase sold my bitcoin and didn't give me the proceeds. 
Coinbase 's records show for XX/XX/XXXX, a sale of XXXX bitcoin for {$49000.00} using my XXXX XXXX account. The transaction is marked as " completed '', but as of XX/XX/XXXX no funds have arrived at XXXX. Reference code XXXX. 
( Screenshot XX/XX/XXXX at XXXX.XXXX  ) .-.-.-. 

Previous sales of bitcoin resulted in successful transfers of funds to that same XXXX account on XX/XX/XXXX, XXXX, and XXXX, so a failure of the ACH transfer process is implausible. 
.-.-.-. 
My attempts to recover the missing {$49000.00} : .-.-.-. 
XX/XX/XXXX : I inquire through Coinbase 's online support system about the missing {$49000.00}. The case is assigned Case ID XXXX. 
( Screenshot XX/XX/XXXX at XXXX ) .-.-.-. 
XX/XX/XXXX : Coinbase email tells me someone is " working with a specialist '' to address the problem. 
.-.-.-. 
XX/XX/XXXX : I ask by email when I might expect to hear from Coinbase. 
.-.-.-. 
XX/XX/XXXX : I phone Coinbase 's support number, but can not get any concrete information about schedule. 
.-.-.-. 

Previous history that might be relevant : XXXX. 
A previous mixup on Coinbase 's part might have contributed to the present problem : .-.-.-. 
XX/XX/XXXX : I sell XXXX bitcoin from my Coinbase account, which should result in a deposit of {$49000.00} into my XXXX account. No money arrives. 
( Screenshot XX/XX/XXXX at XXXX ) .-.-.-. 
XX/XX/XXXX : Coinbase notifies me by email that " this transaction [ ... ] was canceled by your bank '', and restores the XXXX to my Coinbase account. I visit my bank, where energetic inquiries can not find any evidence that a deposit was attempted. Alarmingly, the email is phrased in a way that suggests that Coinbase thought I was purchasing, not selling, the XXXX bitcoin. 
.-.-.-. 
XX/XX/XXXX : I email Coinbase to point out, emphatically, the possibility that they had mixed up buying and selling. 
Case # XXXX. 
( Screenshot XX/XX/XXXX at XXXX ) .-.-.-. 
XX/XX/XXXX : I start moving bitcoin from Coinbase to a different bitcoin exchange, XXXX. My first tentative transfer is at XXXX PST. When I attempt to transfer the rest of my bitcoin, at XXXX PST, I notice that about 3 bitcoin are missing, and that a transaction has been recorded for the sale of XXXX bitcoin and the deposit of {$49000.00} to my XXXX account. This is the deposit that was never made. 

( ( Hey, CFPB webmaster : this would be much more readable if you gave us some formatting ability. ) )
Product: Credit reporting or other personal consumer reports

My morgage transitioned from XXXX XXXX who received my final mortgage payment before the transition to New Rez. This " XX/XX/XXXX '' payment was made late XXXX. So I did not send my XX/XX/XXXX payment to New Rez ( I did this under direction of XXXX XXXX ). XXXX XXXX did not account for this in the transition and they have stolen my mortage payment. Otherwise New Rez after numerous calls and a formal complaint submission by myself with banking transactions, continues to regard my automated timely payments as LATE. This has resulted in four credit report penalties and my score has dropped XXXX points. I have been promised this accounting will be resolved however they still keep ruining my credit score.
Product: Credit card or prepaid card

Hi I am reporting on Wells Fargos shady chargeback business practices. I am a landlord with a business that collects rent via XXXX  and XXXX. One of my tenants asked their bank ( Wells Fargo ) to chargeback the funds they sent to me for their rent payments falsely claiming they did not know this transaction ( chargeback fraud ). Now both XXXX  and XXXX are trying to collect these funds from me. I reached out to XXXX, XXXX and XXXX and all three said it was because a chargeback initiated by Wells Fargo through my tenant and that I need to contact Wells Fargo. I have email evidence of their responses. The issue I have is that Wells Fargo did not do any investigation before issuing these chargebacks against me as they are obligated as a bank. 

To make matters worse, every time I call Wells Fargos chargeback group they refuse to talk to me because I dont have an account with them and they are not willing to look into the reason or provide any reason as to why they sided with my tenant ( the Wells Fargo customer ). I am looking to sue Wells Fargo as they did not provide any investigation into the chargebacks they made nor are willing to cooperate in returning these rightfully owed rent payments to me even after this is marked as clear chargeback fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The accounts listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXXXXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX  {$720.00} XXXX XXXX {$740.00} XXXXXXXX XXXX  {$5300.00} XXXX {$10000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$3800.00} CXXXX XXXX  XXXX A {$2800.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX {$38000.00} XXXX {$8500.00} XXXX {$3000.00} XXXX {$2500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I have filed a police report. Here is that information : XXXX XXXX XXXX XXXX ( XXXX ) XXXX Deputy XXXX Unit XXXX Police Report : XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX : XX/XX/1984 XXXX : XXXX
Product: Debt collection

TCF NATIONAL BANK ( TCF BANK-ILLINOIS INSTALLMENT LOAN NO.XXXX THE FEDERAL AND STATE STATUES OF LIMITATIONS HAD EXPIRED. F.C.R.A. AND F.D.C.P.A.AND NOW MUST DISCHARGE DEBT VIA XXXX AND REMOVE ALL LIENS ON SAID PROPERTY.
Product: Credit card

I have XXXX credit cards with Chase Bank. XXXX is a Chase Freedom, the other a Chase Sapphire. I have had auto-pay set up on both cards for the majority of time I have had the accounts, several years at this point. Recently my credit card was turned off, and when I logged into my accounts it showed that both were past due. Moreover, the automatic payments system I had set up had been turned off, triggering the late fees and the card shut down. I never received any notification from Chase that they had turned off my auto-payments. When I called them they told me they were n't sure, but that the auto payments may have been turned off because one of my payments bounced a few months ago ( I was merging bank accounts with my husband, which caused the gap ). However, I have since made payments using that same account multiple times since, it is a good account, and at the time they turned off my credit cards had more than enough in it to cover my minimum payments. I want to be sure that they do n't do this to other customers - I do n't think a bank should be able to turn off auto-payments and trigger undeserved late fees without notifying a customer. They returned the late fees when I complained, but I could have totally missed it if I had n't been going through my charges.
Product: Debt collection

This was a debt that was originally owed to XXXX XXXX, which was sold to a debt buyer Jhpde finance  1 XXXX back in XXXXThat company filed a lawsuit against me in XXXX and due to a divorce I had to filed a chapter XXXX bankruptcy in XX/XX/XXXX which was discharged in XXXX XXXX debt was included in that bankruptcy. My credit since has been great and has allowed me to rebuild myself. Then on XX/XX/XXXX I received a notification that i had a collection acct negative placed on my credit from Jhpde finance for {$1600.00} from original creditor XXXX XXXX. I checked all my bankruptcy papers to make sure it was included and found a letter " Notice of discontinuing of action '' file no.XXXX  from the same Jhpde  finance  1 llc regarding the same debt. They used attorneys XXXX XXXX XXXX XXXX. I have since contacted Jhpde finance on XX/XX/XXXX and spoke with rep from Jhpde finance  and was advised that she saw that I did in fact file and wasn't sure why was placed now on credit and basically blew me off. I called back weds XX/XX/XXXX and spoke with another rep and was told the same thing and nothing they could do. I tried to dispute it with XXXX  credit bureau, and after their investigation, Jhpde claimed was valid. So this will destroy my credit if this is allowed to stay on it. Please help me resolve this issue.
Product: Debt collection

the collection company summonsed me to come to the court in XXXX  county court. and judge dismissed there claim and did charge the summon. the collection company still holding me hostage on this account in consumer credit reporting agency. i sent the copies of court decision to all three buraus but they are still keeping that account in my file. I want this to be removed from report
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX, is not responding
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXX, XXXX XXXX, DEPTEDXXXX XXXXXXXX, ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX I received a email from BOK Financial stating Please contact us as soon as possible to verify transactions and to discuss any further action necessary. As a safety precaution, we have deactivated your debit card ending in XXXX. 

You may contact us through one of the following means : - Call our card services Department at XXXX - Call our XXXX using the number on the back of your card- Visit us at any of our convenient banking centers I first called card services and spoke with a representative. I verified all the suspicious transactions and I was told by the representative, whom was a Fraud Department employee for Card services, that I successfully verified all activity and that my card would be reactivated and my account would be unrestricted in a couple of mins. After attempting to get gas, I learned my card and account was still restricted. I then called the XXXX number and went to the branch as well. I was told that card services never unrestricted my account even though I was told they were doing so. Furthermore I was told the Card services/fraud department was now closed and I would have to wait until Monday ( XX/XX/XXXX ) to access my funds. I was denied from withdrawing {$6000.00} of funds that I own due to a representative lying and not fulfilling her duty. This caused me to lose out on a lucrative business opportunity and also to have to survive off {$15.00} for 3 days. I also have accumulated fees on my bills due to this and was unable to book a flight that I needed to schedule. I have a job that I commute to daily and XXXX XXXX that needs support daily. Me and XXXX XXXX have completely suffered behind this, we barely have even eaten over this period of time. I asked BOK Financial for assistance or a credit to help and they denied me by saying I must wait for card services/fraud department until Monday even though I was told the situation was cleared and I was good to use my card/account. I did my job and verified the transactions but I am left to suffer for a grave mistake committed by a BOK Financial employee. The fact that they wouldnt even help me even though they see the money I have in the bank account is despicable and a violation of my consumer rights. Please help immediately.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My file number is  XXXX . I have requested numerous times from Transunion to update my credit report with the correct file and I have not been successful. I keep getting the run around. I have provided documents showing a name change and they have not updated any of those information. My old name is   XXXX   XXXX   and it has been changed to   XXXX   XXXX   XXXX   XXXX  . I have also requested for any old addresses to be deleted in vain. Please see attached a copy of my passport, a copy of my driver license with the correct address, a copy of my Social Security Card and a bill showing my current and only address that should be showing in my credit report. I have also attached a copy of the court order showing my name changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to a number of hard inquiries that appear on my credit report. These inquiries have a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of these hard inquiries is inaccurate and unjust, as they were not authorized by me and do not represent actual credit applications made by myself or my business. 

I have made diligent efforts to rectify this situation on my own by disputing the hard inquiries with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed hard inquiries are clearly visible. Additionally, I have included any supporting documentation that confirms my claims of non-authorization for these inquiries. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing these inaccurate hard inquiries from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

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

The FCRA states that the credit bureaus must verify all information that they get from the banks, credit card companies, etc., before putting it on your credit report. 

What the CRAs must have is the ORIGINAL SIGNED DOCUMENT from when I opened the business account that is posted on my credit report. 

Section 609 of the Fair Credit Reporting Act states that I should be sent the ORIGINAL SIGNED DOCUMENTS in order to verify if the accounts are valid.

Since they have not sent me such documents they are obligated under the Fair Credit Reporting Act to delete those unverified accounts. 

Therefore, I am requesting that these accounts be deleted from my Credit Report Agencies. 
-XXXX XXXX -XXXX XXXX related to this complaint : Account # 1 : Collector : WAKEFIELD & ASSOCIATES XXXX Last reported XX/XX/2019 {$630.00} Open balance UNIV OF XXXX XXXX Original creditor Account # 2 : Collector : XXXX XXXX XXXX Last reported XX/XX/2019 {$450.00} Open balance 12 XXXX XXXX N A Original creditor Account # 3 : Collector : XXXX XXXX XXXX Last reported XX/XX/2019 {$170.00} Open balance 11 XXXX XXXX Original creditor
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report with all 3 credit bureaus and noticed inaccurate personal information and addresses. I have requested to all 3 credit bureaus in writing verify through certified mail received request over 60 days ago ( XX/XX/2024)
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus by having them remove these inquiries immediately off my credit! Names of the companies and dates are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

The collection agency has engaged in false misleading practices violating FDCPA 807, and providing misleading forms violating FDCPA 812.
Product: Debt collection

I contacted this company back in 2014 explaining they needed to bill my insurance and they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am A VICTIM OF IDENTITY FRAUD, My information was used to open accounts fraudulently without my consent or authorization. Last XX/XX/XXXX, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my police report and a letter requesting them to remove its fraudulent account from my credit report. On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent account, with required documentation, MUST be removed within 4 business days upon receipt ''. First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company responded by saying the account I had disputed was no longer in the file but its still there, and even confirmed that the account belonged to me. For yet another time, my FTC report attached clearly shows this fraudulent account which I need to be deleted asap : BANK OF AMERICA Account Number : XXXX, Opened Date XX/XX/XXXX, Balance {$20000.00} Am looking at legal proceedings if this company does not delete this fraudulent account from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with XXXX XXXX or Navy Federal Credit Union, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

XXXX XXXX
Product: Student loan

i have never sign a contract with sallie mae i want to see their contract with my name on it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I XXXX XXXX, sent a letter requesting that Experian reinvestigate some inaccurate and unknown accounts on my credit report to this day over 45 days later I have yet to receive an response from Experian. I feel as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately " REMOVE '' those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach, and XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  XXXX / XXXX XXXX Account # XXXX 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 a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.