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

Discover Bank XXXX XXXX XXXX XXXX DE XXXX  Account : XXXX Date Opened : XX/XX/XXXX Amount : {$1.00}, XXXX   TERMS AND CONDITIONS OF DISPUTE 1 ) These accounts, opened in XX/XX/XXXX andXX/XX/XXXX commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, aXX/XX/XXXX thru XX/XX/XXXXtimeframe.

2 ) The address provided to and reported by Discover Bank is one that XXXX XXXX  has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) Discover Bank failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of Discover Bank to comply with : 31 CFR, Part 1020, Rules for Banks, Subpart D 1020.410Records to be made and retained by banks and Opening Account Procedures.

The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) XXXX XXXX  was living abroad at the time this account was created. It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
Product: Money transfer, virtual currency, or money service

This complaint is towards Coinbase.com My account email is : XXXX Issue : On XXXX XXXX XXXX 2018, I sent aaproximately XXXX BTC to my USD Wallet address. It then showed that it was received but pending. I read online that it requires 6 confirmations. It has now been 14 days and the transaction has aproximately XXXX confirmations now. 

XXXX XXXX   XXXX I am requesting my transaction to be fixed. This is such a inconviencence to the standard consumer. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2020, during COVID, I was unemployed and my Bank of America Credit Card offered a COVID pause on the payment due. I applied for the COVID pause and received notice it was approved. So I didn't make the payment in XXXX and they reported me 30-days late for the month of XXXX. Once I applied and received word it was approved, I thought the payment wasn't due. 

I have a customer of Bank of America for almost 30-years and not ever been 30-days late before and haven't been since. 

Because I did not receive anything saying specifically my XX/XX/2020 payment was due, I was reported 30-days late.

I just want the one 30-day late payment removed please.
Product: Credit reporting or other personal consumer reports

In my recent review of my credit reports, I noticed several accounts that I do not recognize and appear to be fraudulent. Below, I describe each of these accounts : XXXX  XXXX XXXX : Account Number : XXXX Date : XXXX Type of Account : Credit Card Description : This credit card account was neither opened nor authorized by me. I am unaware of any transactions or activities related to this account. 

XXXX XXXX XXXX : Account Number : XXXX Date : XXXX Description : I have not applied for or opened any account with XXXX XXXX. This account appears on my credit report without my knowledge or authorization. 

XXXX XXXX XXXX : Account Number : XXXX Description : I do not recognize this collection account and have had no debt or interaction with XXXX XXXX XXXX that would justify this entry on my credit report. 

XXXX XXXX XXXX : Account Number : XXXX Date : XXXX Description : This is another collection account that was neither opened nor authorized by me. I have no outstanding debt that could be related to XXXX XXXX XXXX. 
These fraudulent accounts are negatively impacting my credit score and my ability to obtain new credit. I request a thorough investigation and the removal of these fraudulent accounts from my credit reports. Thank you for your prompt attention to this matter. 

If you need any adjustments or additional information, please let me know.
Product: Checking or savings account

On or about XX/XX/XXXX, I XXXX XXXX XXXX noticed that approximately {$2600.00} had been electronically taken from my checking account ending in XXXX. These XXXX transactions started XX/XX/XXXX until XX/XX/XXXX. The transaction was taken fraudulently via XXXX. The XXXX name of the individual was XXXX XXXX ( XXXX XXXX ). I do not know this individual and do did not approve these transaction. I reported this to the Suntrust Fraud Department on or about XX/XX/XXXX. As this far, Suntrust has refused to reimbursement me.
Product: Student loan

I recently read AES has the second highest complaints of all loan companies, namley charging more in interest. This article prompted me in scrutinize my own arrangement to which I discovered that more often than not the majority of my monthly payment is put toward accrued interest. In total, I've paid XXXX toward my loan but only XXXX has gone toward principal. How have I paid this much money and have only paid off XXXX? 

Very few times was there more applied to principal than interest, I was often charged $ 20-50 or more in interest. There was even one payment that only applied {$9.00} to principal out of a {$170.00} payment. These monthly payment minimums are misleading as it doesn't say how much gets put in each month, the amounts are always different, and you can't edit to pay different amount. Who's to stop an extra payment from going totally to interest when you're not given the opportunity to express this? 

I believe my account needs to be fully audited and I demand some action be taken, this is criminal.
Product: Credit card

Capital One took my payment made on XXXX XXXX, 2016 and did n't apply the payment to my credit card account thereby leaving an outstanding balance of {$430.00}. I should have Zero Balance with a credit of {$38.00} Dollars. 
Because Capital One stole my payment of {$470.00} and did n't apply it to my account they messed up my Credit Score and brought it down to XXXX. I use to have a Credit Score of XXXX or higher. 
I went to purchase a car and because of Capital One my interest Rate was XXXX per cent and I had pay {$2000.00} Down Payment. I want Capital One to apply my payment of {$470.00} and Close the account in good standing stating the account was paid in full with no missed or late payments every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Complaint Against TransUnion for FCRA Violations To Whom It May Concern : I am writing to file a complaint against TransUnion, a credit reporting agency, for violating the Fair Credit Reporting Act ( FCRA ) by reporting false personal information and information not related to my legal identity. This complaint is being filed in accordance with the FCRA, which requires credit reporting agencies to maintain accurate and complete information about consumers. 

On XX/XX/2023, I obtained a copy of my credit report from TransUnion and discovered that my personal information was incorrect. Specifically, my name was completely incorrect. Additionally, because of this error, TransUnion is reporting information not related to my legal identity, including credit accounts and delinquencies that do not belong to me. This false information has caused harm to my credit score and has led to denials of credit and better financial opportunities. To verify my identity, I have attached a copy of my government-issued driver 's license. 

TransUnion 's reporting of false personal information and information not related to my legal identity is a clear violation of the FCRA. Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), mandates that credit reporting agencies use reasonable procedures to ensure maximum possible accuracy of the information they report. Furthermore, section 610 ( b ) of the FCRA requires credit reporting agencies to investigate any disputed information and make necessary corrections or deletions. Finally, section 609 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( a ) ( 1 ), requires that credit reporting agencies provide consumers with access to their credit reports and investigate disputed information within a reasonable period. 

I am requesting that the CFPB take immediate action and require TransUnion to investigate this inaccuracy in my name and personal information and remove all incorrect personal information and any information related to the incorrect personal information from my credit report. I am also requesting that TransUnion conduct a thorough investigation into the accuracy of my credit report and provide me with a copy of the results of this investigation within 30 days. Finally, I am requesting that appropriate enforcement action be taken against TransUnion for its failure to comply with the FCRA. 

Thank you for your time and attention to this matter. Please let me know if you require any additional information from me. 

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

I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... )
Product: Debt collection

I received a notification about a negative collection item on my credit report. I tried contacting the provided email and phone number but got no response.
Product: Debt collection

Merchants Credit Guide Company is representing themselves as a debt collection company but is not disclosing information regarding this information and is using gorilla and scare tactics to collect debt that is not in collections and to acquire information on a consumer. I pulled my three credit reports and there is no collections and no new initiated lines of credit. They have called up to 6 times a day and left robot voice messages representing themselves as a debt collector. The phone number XXXX and they attempt to collect personal information without disclosing information regarding the reason of the communication or providing written communication regarding balances or the collecting agency. This is an attempt to transfer the crediting companies debt to allow them to collect interest on other parties credit.
Product: Mortgage

We have actually, recently paid off a mortgage serviced by NewRez/Shellpoint. Account number : XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX, CO XXXX. They acquired our mortgage for XXXX around the first of the year. In the transition, some automatic payments from our bank went to the old account at XXXX. In XXXX we became aware of the problem. We began a series of calls that has led to two of the errant payments being properly credited. We are still dealing with the third. 

On XX/XX/2020, in response to a request from them, we sent unredacted bank statements for XXXX ( the month in question ) and XXXX, to show that a ) the payment was made and b ) that it was not refused and credited back to our account ( as their records indicate ). I called again today and was told that I could not even talk with someone in the department that is now dealing with this issue. We re-emailed the requested documents today and then came here to, after almost four months of frustration, file a complaint. 

We are providing documentation below, which has been sent to Shellpoint ( multiple times ). Here we only want to add that we have never experienced a company where the employees have been uniformly not merely professional and polite but seemed to genuinely want to help but the entire system seems to be set up to make that impossible. You can not speak to the person you previously spoke to making the process both much slower and deadeningly repetitive. And once it is confirmed that you may indeed have a real problem with their service, you can't even talk to a person in the department that is dealing with you issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is illegally reporting on my credit report.
Product: Debt collection

I have reason to believe and do so believe the statement received on XX/XX/XXXX ( and all statements prior ) have been interest dividends or credit issued to me in the form of coupons or bonds. The evidence of this belief is due to my statements Ive received reflects as a positive balance on the account in reference to the full balance of {$6700.00}. If this was a debt owed this would be in a negative balance or this is a computational error. 
I have reason to believe and do so believe there has been a failure or mismanagement to properly apply credit issued to me in the form of coupons due to the misrepresentation of this account. I have been made aware of what an instrument is and at the date of this accounts conception I have issued instrument ( s ) which should have paid and tendered payment for services rendered from this account. 
The evidence of the credit being issued to me is my monthly statement which comes to me in a positive balance as an investor who funded this account with the securities and instruments given from the date of consummation. If I were to have owed a debt, this statement should be in a negative balance. I believe this is credit being issued to me and my endorsement has been needed in order to authorize how the credit should be applied to my account. 
In order to clarify that such credits on the account have not been misapplied, or any false claims of securities causing a tax liability has occurred due to this error, illegal securitizations, trades, hypothecations, interest, and proceeds fraudulently misapplied in my name, as beneficiary of the account, I require the documentary evidence which includes tax records, recordkeeping of both the journal and ledger entries in accordance with IRS publication 583 and other supporting financial records. 

My billing error notice has been mailed to your registered agent and the address found on my statement via certified on XX/XX/XXXX. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

These debts were removed previously from another company, about a year ago, then Commonwealth refilled all of them again after purchasing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX hack I tried to freeze credit at the XXXX major agencies. 
I was able to quickly freeze at XXXX and XXXX but not at Experian. 
I used the online links I was given for the XXXX agencies. I tried multiple times but was unable to freeze credit. What should I do now? it is my credit and I can not freeze it? 
-XXXX XXXX XXXXXXXXXXXX
Product: Checking or savings account

My wife and I had approx {$2100.00} in fraudulent debit card transactions come out of our checking account. XXXX XXXX was notified of the transactions, they originally denied the claim without a full investigation. Apparently Chase Bank merely called XXXX XXXX without doing a full investigation and denied our debit card fraud claim. We contested XXXX XXXX denial, now they have reopened their investigation, to include our recommendation to look at ip addresses and states/addresses of the fraudulent activity. Chase has not followed the Debit Card laws in not only denying our request for reimbursement, but also failing to do a full investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please produce Original contract for said debt {$760.00}. XXXX XXXX XXXX XXXX XXXX XXXX is a fraudulent company on my credit report please remove immediately acct opened XXXX I have googled to call and settle debt its complete fraud. Please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled my credit report on XX/XX/XXXX through Experian. XXXX may have pulled this inquiry to the other credit reporting agencies as well. XXXX has fraudulently done this before back in XX/XX/XXXX and I spoke with the manager and he told me even though XXXX was included in my bankruptcy filing they are deem to pull my credit report when ever they choose to do so. My lawyer called XXXX lawyer and since XXXX was included in my bankruptcy, XXXX was demanded to delete the three credit inquiries and they did. I recently checked my credit report and XXXX did it again, they pulled my credit report on XX/XX/XXXX. They probable did the other credit reporting agencies as well. I am sending a copy of the bankruptcy file were XXXX is listed on page 11 and a copy of my credit report with Experian. Sacor address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas -- this is the lawyer address. XXXX 's physical address is XXXX XXXX XXXX, XXXX, CA XXXX. There number is XXXX their email address is XXXXXXXXXXXX. My account is XXXX. I as asking XXXX to remove any and all inquiries from all three credit reporting agencies and to quit bothering my accounts and me. I am done with them. They were included in the bankruptcy filing and if I can I want to sue them for character and credit damage.
Product: Debt collection

My phone had previously been through XXXX. In XXXX, 2021 I went to XXXX and had to purchase a prepaid phone. XXXX had problems porting my phone and everyday for XXXX weeks I would go in and try to work with XXXX XXXX, the manager. I was then told to give them a month to fix the problems yet the continued to bill me for a prepaid service. The store manager XXXX XXXX even paid a phone bill for me. Nonetheless they continued to have problems getting my account straight. I would go in the store every other day until I decided to discontinue business with them. They would even keep me on the phone for hours promising to fix the problem to no avail. I am requesting all the notes on my account from XXXX with XXXX XXXX, their manager and myself. I will never do business with this company again. I am on XXXX and should have stayed with my government issued XXXX. 

Have XXXX submit records, notes of phone calls and billing statements. Also reach out to Manager XXXX XXXX. 


XXXX put my account with The XXXX XXXX, XXXX see attached CFPB Complaint XXXX copy attached
Product: Credit reporting or other personal consumer reports

I spoke to a representative from XXXX XXXX  end of XXXX to make a payment. I advised her I would pay the XXXX XX/XX/24 that was due. She asked if I wanted to settle because the amount I was paying would do so. I advised her no I dont want to settle the account because I want it to reflect paid in full on my credit report. I will follow up with you next month to make another payment. I did not advise her I wanted to settle. I received an alert from XXXX XXXX stating an account closed recently and a letter in the mail dated XX/XX/24 stamped stating SETTLED IN FULL XX/XX/24. So I follow up with XXXX XXXX spoke with a young lady she stated that representative that took my call and payment was gone for the day so I requested to speak with a Supervisor. She stated no one was available she took my information and stated that a Supervisor will listen to my call then follow up. One month goes by I called back and spoke to Supervisor by the name of XXXX XXXX at XXXX. He stated because he wasnt at the location that representative that took my call he cant listen but he can contact someone who can. He stated that he will follow up with me the next day still no follow up til this day. I called him today XX/XX/24 left voicemail because Ive received a statement from XXXX XXXX stating Im past due with remaining balance if XXXX. No one has called to give me an update on the call and credit reporting. This is bad business practices. There shouldnt been a follow up call explaining to me the resolution but instead they send out a new bill statement stating Im past due and you guys never followed up with any or even to say we will be sending out new statement. Shame on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Unauthorized Fraudulent Inquiries This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEPT that you did not varify as required by law on my consumer report. 

1S USC 51681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 1681g/a/5 ) of this title, a consumer reporting agency shali not furnish to any person a record of inquines in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am not liable for this debt with SEQUIUM ASSET SOLUTIONS LLC. I do not have a contract with SEQUIUM XXXX XXXX XXXX ; They DID NOT provide me with the ORIGINAL contract with my hand signature agreeing to this account listed as I requested. They are also reporting them as being the ORIGINAL CREDITOR which is false. Thank You
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable rein investigation of disputed information on credit report, leaving an accurate or unverifiable accounts unresolved the consumer financial protection bureau has recently filed a lawsuit against Experian alleging systemic issues, such as failing to forward consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where experience has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, XXXX, federal law, and my rights as a consumer.
Product: Prepaid card

XXXX issued a prepaid reward card valued at {$120.00} through American Express. CFPB guidelines say these cards never expire, and can be reinstated if they do pass a printed expiration date. I contacted American Express and they say the card can not be reinstated. The expiration date listed is XXXX 2016. 
These financial companies make the majority of their profits on lost, unclaimed, or the " past due '' feature.