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

I am writing to inform you that I have been a victim of a data breach, which has resulted in the unauthorized use of my personal information. Fraudulent accounts and credit inquiries have been reported on my credit file without my knowledge or consent. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all the fraudulent accounts and inquiries listed below be blocked and permanently deleted from my credit report. 
List of Fraudulent Accounts : 1. XXXX XXXX Bank o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$670.00} 2. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 3. XXXX XXXX Bank o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} 4. Unauthorized Collection o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1300.00} 5. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1400.00} 6. XXXX XXXX Services o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 7. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$360.00} 8. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} 9. XXXX XXXX ( formerly XXXX  Finance ) o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3300.00} Fraudulent Credit Inquiry : XXXX  Financial - Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am filing a formal dispute regarding inaccurate information reported on my credit file concerning late payments for account # XXXX. Despite multiple attempts to resolve this issue ( letters sent on XX/XX/XXXX and XX/XX/XXXX ), no corrective action has been taken. 
The reported XXXX late payment for XX/XX/XXXX is inaccurate. I have verified with my records and provided supporting evidence showing payments were made on time, and yet this error persists. 
Details of the Account : Account Number : XXXX High Balance : {$420.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Credit Limit : {$3500.00} FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are obligated to ensure the accuracy of information. This has not been upheld. Additionally, 15 U.S. Code 1666b requires creditors to send statements at least XXXX days prior to the due date, which has been violated as evidenced by the late reporting. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The incorrect reporting of a late payment has harmed my creditworthiness and caused undue stress. 
Desired Resolution : Immediate removal of the inaccurate XXXX late payment notation for XX/XX/XXXX. 
Written confirmation of the correction within XXXX business days. 
Please consider this letter as formal notice under the FCRA and provide the requested corrections promptly. If this issue remains unresolved, I am prepared to escalate the matter, including filing additional complaints with relevant agencies and pursuing legal action. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 You are reporting inaccurately without proper verification or validation of this alleged debt.
Product: Mortgage

I have had this mortgage since about XXXX and therefore have made over 120 mortgage payments on this account to M+T Bank and its predecessor. I have never been thirty days past due on this or any other mortgage, ever. 
In XXXX of XXXX I had approximately {$200000.00} in my checking account and so there is no financial hardship. I have complete ability to pay a {$2800.00} mortgage. 
On or about XX/XX/XXXX, I attempted a payment by phone of the mortgage payment at the phone number identified on the XXXX mortgage statement. I have done this routinely over the years without an issue. The payment was noted to be completed and I was then instructed to hang up by the voice system. And so I did, I never received any call, letter or email from M+T Bank that my XXXX payment was missing or that it did not process correctly. 
I received an alert in early XXXX from XXXX on a weekend that my M+T account had gone 30 days past due. I was shocked, and I immediately called M+T when business reopened the next Monday. They advised that they had no record of my XXXX payment. They also said they tried to contact me at XXXX which is an old employer phone number. I found that surprising since they had my cell number at XXXX.. 
M+T was completely unhelpful to me as a customer and failed to take responsibility for the failure of their phone system, despite my exemplary record of payment. 
I immediately paid the so called missing payment and the account was brought current no later than XX/XX/XXXX, the first business day after I learned of the problem with the phone system.. 
M+T is responsible for this payment issue, not me. My past record of payments with them and my checking account funds support the notion that there was no reason for me not to make the payment and it was due to their error that it did not complete.
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 that was notarized. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with or their affiliates west the are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. Now they sent me another letter saying for me to send in and dispute it in 30 day when i have proof i already did. let this complain service as proof in court that i tired multiple times to resolve this fraud
Product: Debt collection

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, Non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

Hi, sir. My name is XXXX XXXX XXXX. I'm XXXX XXXX XXXX and United States Rasident. Paypal closed my account for no reason and i don't know how to fix the problem. I believe something i did was wrong but without any reason or without any warning they closed my account with XXXX XXXX dollars in this Pandemic. I don't know how to reach them and release my account but i know CFPB can help me. Because they aren't doing the right thing by closing my account Without any reason and holding my money for XXXX XXXX. And i need this account badly. Please help me Out. I know something i assume was wrong but please i beg pardon and mercy for my account. My Paypal account name is XXXX XXXX XXXX and Email of the Paypal is XXXX. Thank you so much..
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration. This marks my second attempt to rectify this issue, and it is essential to address this matter promptly and effectively. 

I initially reported the fraudulent items and followed the prescribed procedures outlined by your company for reporting and removing such items. Unfortunately, despite my initial efforts and your assurances of prompt resolution, the issue persists. 

I want to stress that the persistence of these fraudulent items is causing me significant distress and financial hardship. It has also eroded my trust in Credit Bureaus, which I had previously regarded highly. As a loyal customer, I expected a higher level of service and security, which has been lacking in this situation. 

I kindly request that you take immediate and comprehensive action to investigate and rectify this matter. I expect a prompt response, detailing the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I urge you to strengthen your security measures to prevent such incidents from happening in the future. 
If my concerns are not addressed satisfactorily and promptly, I may have no choice but to escalate this matter further, which may involve seeking legal remedies and notifying relevant authorities about the fraudulent activities associated. Please assist me to removed the following fraudulent items in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} 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 Balance XXXX {$480.00} XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ARXXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since XXXX, I found out that someone used my name and personal information to obtain an auto loan with XXXX, I have never applied for a loan with them nor have I ever done business with them. 

I contacted XXXX, the XXXX major credit bureaus and it was found that the loan was part of identity theft and that it should be removed from the reporting agencies, unfortunately XXXX has refused to remove the account from reporting to Equifax.
Product: Student loan

Over the course of XX/XX/XXXX, I have directed two seperate over payment s on student loan accounts handled through Navient. One payment was made on XX/XX/XXXX, and the other on XX/XX/XXXX. 

Payment Confirmation # : XXXX Amount : {$400.00} Scheduled for : XX/XX/XXXX Payment Confirmation # : XXXX Amount : {$300.00} Scheduled for : XX/XX/XXXX I recieved confirmation emails confirming the payments have posted, and can see the funds have been removed from my bank account. However, these payments are not reflected on my navient account at all. The Navient website states the information is up to date on the for the day the information is accessed, and that it my take up to two days for payments to reflect on the account. It is now XX/XX/XXXX, XXXX payments are not reflected, and the one of the payments is almost a month old. I would call navient, however my work hours make it difficult to find time as I work a lot of overtime, and they have failed to provide an email address or other contact method. I would like to know why my payments have not been reflected on my student loan accounts and weather or not further interest has built up as a result. I am a current student and do not currently have monthly payments due.
Product: Money transfer, virtual currency, or money service

Complaint about company - Coinbase Coinbase is a digital currency exchange, headquartered in  XXXX XXXX. It is one of the biggest digital currency exchanges, which registers 40,000 new users everyday. 

I made a SEPA deposit of XXXX EUR to my Coinbase account on the XX/XX/XXXX. This is approximately {$1300.00}. The intention was to make an international deposit to my Coinbase account, to purchase crypto-currencies. 

On XX/XX/XXXX, coinbase sent an email to me, saying that they were unable to clear my accounts ability to receive deposits at this point of time. For this reason, the funds will be returned back to me within 1-2 business days. 

On top of that, my account was temporarily disabled for no apparent reason from date of the SEPA deposit payment. So I was not able able to login. 

Due to this money not being returned to me, I have financially struggled in making ends meet and living on a minimum. I have also lost out on huge potential trading profits. 

I have emailed XXXX, XXXX, which supposedly worked at one point but do not anymore as the emails bounced back on me I have emailed on the coinbase customer portal - https : //support.coinbase.comXXXX. Here is says that priority is given to people with payment issue and account lock-outs. Two problems which I have had. All I get is an automated useless email with ticket numbers. The automated emails say that due to high volume, it will take several days to respond to the issue. 

In addition I have tried calling them, resulting in phone bills which costing me hundreds of pounds. I dont even get to speak to someone. I get automatically hung up on due to high volume calls even if I call within the first second of opening times. 

In addition I emailed XXXXXXXXXXXX, XXXXXXXXXXXX and XXXXXXXXXXXX CEO of Coinbase ). These emails seem to work as I have not had an emails bounce back to me. But I have got no reply. 

In all my emails I have tried to be polite and patient. But now I feel, enough is enough and it has become a ridiculous, not acceptable, pathethic situation. 

I am tired of reading that coinbase will reply within several days due to high volume. Coinbase need to block the thousands of new people joining everyday and focus on supporting their existing customers. Why should existing customers suffer for the new. No other digital currency exchange is providing this exceptionally poor service that Coinbase is providing. 

You can not hold and not return customers money for such long periods of time for no reason Stay away from Coinbase. Customer service is non existent. There is no way you can reach someone and talk to them. the best you will get is automated emails. Thousands of people are in the same situation as me.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block, lnc. ) due to inadequate customer service & unfair practices, which which violate the Consumer Finacial Protection Act ( CFPA. ) Specifically, Cash App failed to take timely & effective measures to prevent an address fraud on their platform, leaving my account vulnerable & unprotected. Furthermore, their despite resolution process was unfair & deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) & Regulation E. These actions have caused significant inconvenience and financial loss, & I seek appropriate redress for these violations
Product: Debt collection

A {$79.00} dollar debt was placed on my credit profile however, I was not given any information regarding this debt nor was I ever admitted to this hospital. This information is false. No debt verification information was sent to me to verify this debt, it was just placed on my credit report without proper knowledge.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presumed that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists
Product: Credit reporting or other personal consumer reports

I am writing to formally raise a dispute with TransUnion concerning inaccuracies present on my credit report. I initially reached out to TransUnion on XX/XX/XXXX, and as of the present date, I have not received any response regarding the issues I brought to their attention. The following is a comprehensive overview of the inaccuracies that require prompt resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

They have not paid the real estate necessary taxes that were due. They are overdue {$13000.00} approx in payments
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of inaccurate information from my consumer file with Experian. The information in question pertains to late payments attributed to accounts listed on my consumer report. Pursuant to relevant federal statutes, including 15 U.S. Code 1666b, 5 U.S. Code 552a, 20 U.S. Code 1232g, and 15 U.S. Code 1681b, I assert that these late payments are in violation of my rights and federal regulations, and therefore, should be expunged from my consumer report without delay.

Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the necessary information required by law, is mailed or delivered to the consumer at least 21 days before the payment due date. Failure to comply with this requirement renders any late payment designation invalid. 

Moreover, the Privacy Act of 1974 ( 5 U.S. Code 552a ) stipulates strict conditions for the disclosure of records contained in a system of records, including the requirement for prior written consent from the individual to whom the record pertains. This extends to information related to a student 's application for or receipt of financial aid, as outlined in 20 U.S. Code 1232g.

Additionally, under 15 U.S. Code 1681b, any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. Without such authorization, any addition to the consumer report constitutes a violation of the Fair Credit Reporting Act.

Therefore, I demand the immediate removal of late payments attributed to the following account : Dept of Education/XXXX [ Account Number : XXXX ] Late payments in XXXX : XXXX, XXXX, XXXX, XXXX Late payments in XXXX : XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX REFUSES TO BLOCK FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, PER FCRA 605B ( 15 U.S.C. & 1681c-2 ) CIVIL CODE STATES THAT ONCE THE FTC REPORT HAS BEEN RECEIVED AFTER 4 BUSINESS DAYS THE FRAUDULENT ACCOUNT NEEDS TO BE BLOCKED FROM CONSUMERS CREDIT REPORT. MY FTC REPOT HAS BEEN SUBMITTED NUMEROUS TIMES TO EQUIFAX CREDIT REPORTING BUREAU. I AM A VICTIM OF AN IDENTITY THEFT.