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

XXXX student loan servicer has been claiming since XXXX  that i was 120 days late for two months, on two different loan. This is false. I was never late. I was on an income based payment plan before having my loans forgiven for being a100 % XXXX XXXX veteran. When my loans were paid they were even backdated prior to these alleged late payments but still they remain. I have disputed this every month for 2 years now and have received the exact same form letter answer from XXXX And the credit bureaus despite evidence to the contrary would not remove these errors. I have called customer service, emailed the military liaison and even went so far to email every single high ranking person I could find on their website - and still just stunning silence. I have asked to be furnished with evidence and explanations of their investigation and got nothing. These erroneously reported four late payments of over 120 late days has had a devastating effect. My credit score at one point was XXXX. I could rent anywhere, I couldnt get a job, I had trouble even getting a bank account. I was finally lucky enough to get 2 banks to open an accounts but suddenly these accounts were closed, my money frozen and I couldnt even by food for my XXXX XXXX XXXX. I even remember one representative said to me during a distraught conversation about what to do- they said, you can always go to a food bank and hung up. XXXX abused their power and stole years of my life and time with my son. And the credit bureaus are complicit. I also asked them for evidence in every dispute and every call, email, chat and phone call and their response every single time was - XXXX CONFIRMS THIS REPORT AS ACCURATE AND NO CHANGES WOLL BE MADE. After 15 years in the military, a devastating injury, forced retirement and all the XXXX I often wonder what my life would look like right now if those 4 lines of code on a stupid credit report had been accurate. Would I be healthy? Would my son have avoided trauma? Would my marriage have not fallen apart? XXXX should be held to account for a great deal more than they are and XXXX, XXXX Experian need to be held accountable as well.
Product: Credit card or prepaid card

This is a business card for which I have had disputed charges for either the purchase or disputes made of property damages. This is a corporate card, I have made many calls to Bank of America and now after hours of a phone conversation, they inform me that I can not get a list of the disputed charge and claim numbers of those disputed charges from XXXX XXXX XXXX to present. What Bank of America does if you do if you dispute a charge is they still pay the vendor instead of withholding payment as the consumer card does and after 90 days if the merchant does not respond to the dispute, they just don't charge you. 

Account number : last 4 digits XXXX I believe BOA is not returning the money to XXXX XXXX, XXXX but creating a deceptive practice of fraud against the consumer I will file a complaint with the Attorney General 's Office since I have the proof of Deceptive Practices.
Product: Credit reporting or other personal consumer reports

My social security number was found on the dark web. I am concerned that some entity will attempt to open up a checking account or a financial account in my name using my identity, and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

Purchase History : I made a {$420.00} transaction on XX/XX/XXXX on XXXX XXXX XXXX. However I was not satisfied with the purchase, and I returned the product on XX/XX/XXXX for a replacement. The merchant promised to ship the replacement the week of XX/XX/XXXX ( see the email thread attached ). But I never receive any replacement. 

Dispute History : I opened a dispute on XX/XX/XXXX with Chase since I purchased the item via a Chase credit card. Then, the merchant started to contact me and asked me to close the dispute. And they promised to process the refund if I close the dispute on XX/XX/XXXX. So I called Chase to close the dispute on XX/XX/XXXX. 
I closed the dispute but the merchant still refused to refund me. I called their service center on XX/XX/XXXX and they suggested mailing all the evidence to them for restarting the dispute. I sent the letter on XX/XX/XXXX. 

Dispute result from Chase : I checked the status on XX/XX/XXXX, it shows the dispute was closed. I contacted Chase on XX/XX/XXXX. The specialist said chase closed this dispute because it passed 60 days timeframe and the letter we sent was invalid because it passed the 60-day frame, which is not correct considering that the merchant promised to ship the replacement on XX/XX/XXXX, which I never received an item. Chase didn't even go through the evidence and simply closed my dispute. I haven't received any item nor refund from the merchant/Chase.
Product: Debt collection

Dear CFPB, I'm writing to dispute Lvnv Funding, Llc unlawful collection practices and request an investigation into their violations of federal law.

Violations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : No validation information provided.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : No opportunity to dispute account.

3. 15 USC 1681s-2 ( 7 ) ( A ) : Furnished information without required disclosures.

4. 12 CFR 1006.34 ( d ) : False, misleading and deceptive practices.

Revocation of Communication Rights : Pursuant to 15 USC 1692c ( c ), I revoke Lvnv Funding, Llc rights to communicate with me through : - Phone calls- Text messages- Mail - Email
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I used the Bill Pay service of Wells Fargo Bank to pay the HOA assessment to XXXX XXXX XXXX monthly. But I've been informed by the recipient, i.e. XXXX XXXX XXXX, that they have not received the payments from XX/XX/XXXX, to XX/XX/XXXX. The payment is $ 408 monthly and lasts for ten months. The total fund is {$4000.00}. 
I contacted Wells Fargo Bank many times by in-person visiting the bankers and by calling the related departments. I requested the bank to provide the proof to show the fund had been received by the recipient. But the bank refused to provide such proof documents and claimed the payments were remitted electronically without hard-copy records.

It is impossible that the payments were remitted electronically because the recipient information is its mailing address, not a bank account. I believe there may be an issue on the bank 's side. I demanded the prompt attention from Wells Fargo bank to investigate the fund flow and refund the fund. But my appeal was ignored by Wells Fargo bank.
Product: Credit reporting or other personal consumer reports

IM NOT ASKING THAT YOU PUT A BLOCK ON MY REPORTS IM ASKING YOU TO REMOVE UNAUTHORIZED ACCOUNTS! ACCORDANCE WITH TITLE 15 6801 ( a ) b ) 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NON-PUBLIC PERSONAL INFORMATION. ACCORDANCE WITH TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS TO BE FURNISHED ON MY XXXX XXXX EXPERIAN REPORTS ACCORDANCE WITH 15 6802 a ( b ) 1ABC OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ACCORDANCE WITH 18 USC 894 TO CONSPIRE TO COME TOGETHER TO COMMIT A CRIME. I DIDNT SIGN ANY DISCLOSURE FORMS I U FEEL I DID PLEASE SEND DOCUMENTS WITH MY WET SIGNATURE I ASKING THAT THESE UNAUTHORIZE ACCTS BE DELETE AND NEVER REAPPEAR
Product: Credit reporting or other personal consumer reports

Please note that this is my SECOND WRITTEN REQUEST. I SEND THE FIRST LETTER XX/XX/XXXX I DID I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account. 
The unverified items listed below remain on my credit report in violation of Federal Law. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you '' verified '' that these items are being " reported correctly. '' Who verified these accounts? 
You have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section511 ( 5 ) ( A ) of the FCRA- you are required to " ..immediately DELETE all information that can not be verified. " The law is very clear as to the civit liability and remedy available to me for " negligent default '' ( Section617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. 
I demand that the following accounts be verified or 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
Product: Debt collection

I am writing to formally dispute a fraudulent collection account that appears on my credit report. This account was reported without my authorization and violates both the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Disputed Collection Account Details : Collection Agency Name : First source advantage llc Original Creditor : XXXX XXXX Account Number : XXXX Date Reported : XX/XX/year>XXXX  Violations Under the FCRA & FDCPA : 1. Unauthorized Reporting of Fraudulent Information ( FCRA, 15 U.S.C. 1681b & 1681s-2 ) A collection account must be accurate, verifiable, and legally authorized before being reported. Since this debt is fraudulent, it does not meet these requirements and must be removed. 
2. Failure to Verify the Debt ( FDCPA, 15 U.S.C. 1692g ) If I did not receive proper validation of this debt upon request, the collection agency is in violation of federal law and can not legally report or collect on this account.

3. Unverifiable Information ( FCRA, 15 U.S.C. 1681i ) If the collection agency or credit bureau can not verify that I authorized or incurred this debt, it must be deleted immediately.

4. Fraudulent Collection & Identity Theft Protections ( FCRA, 15 U.S.C. 1681c-2 ) As a victim of fraud, I request that this account be blocked from my credit report and that a fraud alert be placed on my file to prevent further unauthorized activity.

Requested Actions : Immediately remove the fraudulent collection account from my credit report. 
Block the account under FCRA, 15 U.S.C. 1681c-2 as fraudulent activity.

Place a fraud alert on my credit file to prevent further unauthorized accounts. 
Provide a written response confirming the removal and an updated copy of my credit report.

I have attached several dispute letters a copy of my identity theft report, police report and supporting documents to verify my claim to the credit bureaus. Ive been trying to dispute this since last year of XXXX and they have ignored all attempts Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

They had FROZEn my credit report since XXXX XXXX credit monitoring had I had been TURNED DOWN for everything have been sick with XXXX since XXXX my kids and I had been homeless careless poor hungry and in dangerous living situations and XXXX problems because of this inaccurate that they caused me
Product: Money transfer, virtual currency, or money service

Gemini has frozen, locked, and restricted my Gemini Exchange account because I am currently XXXX  in XXXX, an area outside of their zone of operation. 

I have requested Gemini to move forward with a reverification process and have communicated my readiness to provide them with all of the information they need to comply with XXXX. Gemini insists that I must be present in their area of operation to complete the XXXX, this is not true and nothing in their terms of agreements and no law coroberates this. As a result of this hard headed insistance, Gemini requested that I drop my volunteer responsibilities in XXXX to travel to XXXX and wait for the next set of instructions. Obviously this is not a reasonable request. For the record I already attempted to do this back in XX/XX/year>, but Gemini 's customer support was too slow to resolve the issue. In the end I returned to XXXX to volunteer and now we are back to square XXXX. 

Therefore, I have repeatedly asked Gemini to provide me with a full sell of instructions as well as an estimated time line of completion. Gemini support refuses to provide me with this information. 

As an alternative Gemini support offered to convert and withdraw my assets for me. I agreed, but now after XXXX month of waiting they told me that they can not do this. Again, I've read their terms and agreements and it says that they actually have the power to do this. 

To make matters worse Gemini confirmed with me that if I don't log in to my account for a certain period of time then they will have the power to confiscate my assets and close my account. I asked for a time line on when this might happen. Again, they wouldn't provide a time line. 

Finally, a couple months ago I stopped filing complaints against Gemini on CFPB because after my last complaint, someone from Gemini support emailed me claiming I was a resident of XXXX and therefore they would be forced to close my account. Their claim was entirely inaccurate and I believe it was a veiled threat meant to scare me away from filing anymore complaints against Gemini. 

At this point, I am all out of options as Gemini support will only respond to me with copy and paste responses or they just won't respond at all.
Product: Debt collection

Received call from XXXX XXXX with XXXX, XXXX and XXXX at XXXX stating I owed money from an old account with XXXX this is over 8 years old. Threatened to serve me a summons at home and work and offered a " settlement amount ''. Were very threatening and caused fear that this was a legitimate debt. The debt does not show on my credit report and they could not provide anything other than a letter stating I owed this money. Called twice from a private and unknown number stating I had been told.
Product: Money transfer, virtual currency, or money service

I've attempted to withdraw my funds from paypal for weeks now, though they continue to tell me that the system is automated and that they're unable to allow me to withdraw my funds manually. 

They continue to tell me that the online system sometimes has a hard time ensuring that it is the right person access the account -- while I've verified my identity on the phones and am withdrawing to a bank account that has been allowed to work in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/2023 Re : Account Number XXXX To Whom It May Concern, I am writing this in response to your recent correspondence related to account number XXXX. I accept no responsibility for ownership of this debt ; however, XXXX willing to compromise. I can offer a settlement amount in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ). 

You agree to not list this debt as a paid collection or settled account. 

You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account. 

I am willing to pay {$350.00} as settlement for this debt in exchange for your agreement to the above terms within fifteen calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. 

Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay {$350.00} in a cashiers check/money order. 

If I do not receive your response to this offer within fifteen calendar days, I will rescind this offer and it will no longer be valid. 
I look forward to resolving this matter quickly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Here 's a description of what happened without including personal information : In XXXX, I went through a XXXX from my XXXX. Since XXXX, I have been XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX, XXXX, and currently, the XXXX XXXX XXXX XXXX XXXX ) XXXX I recently discovered that an account with XXXX was opened without my knowledge or consent. I believe that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX may have opened this account, along with several other credit accounts, using my personal information after our XXXX. My XXXX knows my Social Security number and birthdate, but she denies any involvement in opening these accounts. I have provided documentation multiple times to substantiate my claim that I have been living and working overseas since XXXX, making it impossible for me to have opened or used this account. I have not had any utility accounts in the XXXX since XXXX. I am currently undergoing a background check for a security clearance renewal, and this account has reappeared on my credit report last month. The collection agency, CBE, informed me that they are not licensed to collect overseas and refused to discuss the matter further since I am currently outside the XXXX as a XXXX. However, they did mention that the debt appears to be from XXXX XXXX. ( Not sure why they told me XXXX XXXX on my first call ). When I contacted XXXX, they said they had no account with me. I am requesting that this fraudulent account be removed from my credit report and that the companies involved investigate the matter thoroughly, as I have never had an account with XXXX XXXX and have been living abroad since XXXX. The last account I had XXXX  years ago was with XXXX XXXX. That's the only broadband account I ever had in XXXX and it was closed in XXXX.
Product: Credit card or prepaid card

I have had 2 Capital One for 3 years and 10 mths. I quite utilizing their cards for cards because they allowed a company to defraud me by {$1000.00} and forced me to pay the amounts after crediting and charging me back twice in 3 months. This is still in litigations due to Capital Ones actions.

I have requested credit line increases SEVERAL times over the past 2-3 years. Several times I got denied without written correspondence of reasons why. Last credit line increase I requested 3-6 months ago I was denied because I " do not utilize their credit line efficiently '' I then started utilizing their 2 cards. Last credit line increase I had was 2-3 years ago. I have no missed payments. I ha
ve utilized the card responsibly for almost 4 years. Capital One refuse to increase my credit limit from  XXXX and XXXX. I do not know why I am being penalized. I have attempting building my credit since XX/XX/XXXX when I filed bankruptcy and now Im not adequate or good enough consumer to increase my credit lines. Both cards started at XXXX credit limit and they did 2 credit line increases YEARS ago. I am requesting investigation as to why my credit lines increase requests are not being processed and/or denied without sufficient reasons. I believe I am being penalized because I have filed MULTIPLE complaints against Capital One for allowing XXXX XXXX XXXX XXXX to defraud {$1000.00} from me in XXXX these cards are my longest standing accounts and have been attempting to build credit and utilize these as debt to ratio reasons as well.