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

Last year I was the victim of Identity Theft due to a burglary that occured. My laptop was stolen with all my personal identifying information being compromised. I told all banks when this occurred. I also informed XXXX of this and each of the other 2 Credit Bureaus. I've informed The FTC. I've made several complaints to the CFPB this year. I filed a report with the local Police Dept. I've disputed this again and again and nothing is being done. I signed up for their " Identity Protection '' program that is {$24.00} a month for the last " XXXX '' months. XXXX has absolutely done nothing whatsoever to get the fraudulent information off my report. I still see these fraudulent accounts on my consumer credit file. Nobody has verbally asked my permission to provide ANY of my information as I have instructed XXXX to do. I've had my bank accounts compromised. They did not properly do an actual investigation as the FCRA states they have to by law. XXXX has violated my rights as a consumer again and again according to 15 USC 1692 ( b ) ( 2 ), 15 USC 1692 ( b ), and 15 USC 1692 ( d ) for the last 13 months. I've tried to be reasonable and give them every opportunity to resolve this issue. I shouldn't have to continuously have to have my rights as a consumer violated by a company so I have no other choice but to seek damages in court for every violation and for damages because of their blatant disregard for the laws that they should abide by. I wanted to be sure that I properly notified this Department of their incompetence once again as I have several times this year. Rental Research Inc, XXXX XXXX are included in this as well and made the same violations against me.
Product: Checking or savings account

On XXXX/XXXX/19 my checking account was overdrawn by approximately {$6.00} resulting in a {$36.00} charge. I have an alert system with the bank in place that warns me when my balance drops below {$500.00}. On that date I was notified that I had a positive balance and knowing that electronic regular deposits would arrive on XX/XX/XXXX or XXXX I did not transfer additional funds relying on the bank 's notification that I had a positive balance. 
On the morning of XXXX I learned that a small outstanding check had caused a very modest overdraft ; I called the bank expecting a reversal of the {$36.00} charge but the clerk refused taking no notice of the fact the bank had formally informed me by email on XX/XX/XXXX that there were funds in the account. I asked for a supervisor who subsequently called me on XXXX still refusing to reverse the charge. 
I feel this is a deceptive practice as I relied of the Bank 's confirmation of positive funds on the same day as the overdraft had occurred.
Product: Checking or savings account

On XX/XX/XXXX I authorized Bank of America to pay my son 's college tuition payment to be paid to XXXX XXXX using XXXX. The funds were removed from my account, but never made it to the university. On XX/XX/XXXX, I asked Bank of America to look into it, they mailed me a copy of the check on XX/XX/XXXX. The mailing showed that I requested that the check go to the right location, address, account, as it was not the first payment made to this university, but the check was not sent there. The funds were removed from my account. The copy of the check sent to me showed that it went to an alternate payee and address. I reported the claim on XX/XX/XXXX ( Claim # XXXX ). I called in XX/XX/XXXX, to check on the status I was told I would have to wait 90 calendar days. I called again on XX/XX/XXXX, finding it hard to believe that my side wouldn't be resolved immediately - i.e. I requested the funds get paid to XXXX and they were not paid by Bank of America 's service, only to be told it takes XXXX calendar days. I then patiently waited until XX/XX/XXXX when I found out my claim had been closed out b/c the Bank of America Rep filed the report incorrectly ( New Claim # XXXX ). I would like my money returned since I did nothing wrong in this situation and need to pay my son 's tuition bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and noticed a lot of inaccuracies and inconsistencies. I sent in certified letters to the credit reporting agencies to get the reported information verified and they said all the information on the report was accurate. 

After the verification process I checked my credit report again and noticed the same inaccuracies as before after a new thorough research Below are the accounts I asked to be validated Name of Account Account Number Verification XXXX XXXX Validate Acc XXXX XXXX XXXXXXXX Validate Acc XXXX XXXXXXXX Validate Acc XXXX XXXXXXXX XXXX Validate Acc XXXX XXXX XXXXXXXX Validate Acc XXXX XXXX XXXX Validate Acc XXXX XXXX XXXXXXXX Validate Ac XXXX XXXX XXXXXXXX Validate Acc XXXXXXXX XXXX XXXX XXXXXXXX Validate Acc XXXX XXXX Validate Ac In accordance with the Fair Credit Reporting act the above accounts has violated my rights.

15 U.S.C 1681 sectjon 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. Sec. 1681i ( a ) : States that if a consumer reporting agency can not provide proof, these accounts must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 sent letter for disputes, and called each company for unauthorized inquiries
Product: Debt collection

I have been paying on a debt that Portfolio Recovery said that I owed I have asked for confirmation of the debt. I have been paying for 8 months and they have still not provided me with proof of the debt. I know XXXX credit card only had a credit limit of XXXX and by the time I finish paying for the 12 months I will have paid more. I live on a limited income and this month it will be hard to pay and they threaten to make me pay more. They are also trying to collect on a XXXX card which they again have not sent proof. I have been holding up to my agreement and they have not held up their part by sending proof. They have only harassed me and threaten legal action. XXXX credit card is for XXXX which I have been paying last 8 months and only had a credit limit of XXXX. The other card is a XXXX XXXX which I have been paying {$150.00} a month for by the time I am done will be almost {$2000.00}. Then they are saying there is another XXXX XXXX credit card which they are saying is around {$3000.00} I never had a card with that big of a limit. None of these cards have they sent me any proof of what is owed and paying this is becoming financially difficult and I believe I should have proof.
Product: Debt collection

The previous dispute was closed without any attempted action whatsoever. I'm not seeking a contact from the company I'm seeking resolution. 
This medical debt was not properly charged to the insurance and should not have been sent to collections. The hospital made a billing error, sent that to collections, and sent it to the wrong address. XXXX has continuously lied about their contact efforts having never called me and never made an attempt to collect this debt. When they placed it on my credit report I contacted them to make a payment arrangement only to be told I must pay the entire balance or don't even bother paying. At the time of the hospitalization I had dual insurance companies- Friday ( XXXX ) and XXXX. Friday had a fully met deductible and covered hospital stays at 100 %. The hospital -only- billed XXXX for this. By the time XXXX attempted to collect this, the time period from Friday had waited so long the hospital could no longer attempt to charge it. This is a billing error.
Product: Credit card

At the beginning of XXXX, I received a email from XXXX XXXX  saying that no minimum payment was required at this time, therefore I didn't make a payment. 
I then received an email and text on XX/XX/year> saying my payment was past due and now I own a late fee. I don't understand. I was sent conflicting information. If I hadn't received the email saying no min payment was due, I would have made my payment as usual. I only owe {$XXXX} on this account and plan on paying this full balance within the next month ( XXXX ). 
This company should be waving my late fee since they are ones that made a mistake. 
Thanks XXXX
Product: Checking or savings account

On XX/XX/2019 I open a checking account online with Iberiabank. At the beginning of the application process their website states : This account opening process will only take a few minutes to complete. You can also save and retrieve the application later if you need to. We welcome all applicants who reside in Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Tennessee, and Texas states to apply online. You must also be a United States Citizen to apply for an account online. For all non-U.S. Citizens, please go to your nearest branch to apply for an account. 
I applied, made a deposit, got information for online checking and was able to log in with my new account number. I received several emails welcoming me. I found out a day later that my application was refused because I didnt live within 60 miles of a branch. This was standard policy. No where on their website or during the application process did they mention this fact. You would think their application process could easily determine if you live within 60 miles of a branch. If this was the policy then why not simply state that we take applications in these states as long as you live within 60 miles of one of our branches. The way it sounds as long as you live in one of these states you can open an online checking account.I had already set up direct deposit from work. Thankfully I was able to cancel this before my next check came out. Can you imagine the trouble I could have incurred with my pay check going to a closed account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 my entire Coinbase account was hacked of approximately XXXX USD. On that day I saw that thieves transferred my entire coin wallet into their wallet and stole my entire contents. I contacted Coinbase immediately after seeing my account drained.Supposedly there was supposed to be a 2 step process to initiate the process BUT this did not occur because they never asked me for the 2-step code. Coinbase responded by telling me to close my account.They assured me by email that I would have 72 hours to have the funds reversed. They then locked ME OUT so I could not reverse this transfer. I have taken screenshots of proof. I have reported this event to the police department as a case of grand larceny as well as my insurance company. I have called and emailed Coinbase incessantly since the occurrence and they have not responded. Because they sent me an email that funds had 72 hours to reverse and I alerted them within hours I feel that Coinbase breached my contract
Product: Debt collection

I sent credit collections a letter asking them to verify 2 medical bills that were on my credit report on XXXX XXXX, 2017. As of today, I have not received anything back from them in reference to the debt. The two amounts are for XXXX dollars and the other is for XXXX dollars. I was not aware of these bills and do not have recollection of the days they claim I went to the doctor.
Product: Student loan

Transworld Systems Inc claim they are the record keepers for XXXX but per XXXX state law, they are a trust not a lender like XXXX XXXX XXXX claim. In order for any servicer or collection agency to collect on this, they will need to show the dates of delinquency, how much is owed, when the loan was sold, proof that XXXX still owns the loan because is a known fact that XXXX sells debts into investment vehicles which means the loan could be anywhere. XXXX must have all of the correct documentation before anyone could collect on it per XXXX law. This is showing as 180 days past due but I have never received actual where my loan is, a promissory note is not enough information since debts are bought and sold all of the time. I spoke with a consumer rights attorney XXXX and they XXXX say the same thing, that the servicer and the collection agency must have proof they are suppose to collect on the loans. XXXX is a XXXX trust, not a lender or guarantor. I was also notified that XXXX used XXXX XXXX to finance which means they are not a lender because they are not a bank or credit union. It is illegal to collect on this debt without the proper documentation. I want the loans completely removed from my credit report because what XXXX must have possession of the loan to collect on it which is hard to prove since they sell loans as investment vehicles to shareholders.
Product: Credit reporting or other personal consumer reports

I was denied a line of credit from XXXX XXXX My credit score is in the XXXX on all three bureaus to the best of my knowledge. The fact that I was declined entitles me to a free report. I tried to get them online and was successful at XXXX and XXXX XXXX. Unfortunately, Experian has not been very cooperative. It is impossible to get a hold of a human being. The recording I get keeps me in a constant circle. They have reset my password 12 times in the last three weeks and I am still unable to get through. The frustration is amazing.
Product: Checking or savings account

On XX/XX/XXXX a check was written out to XXXX XXXX XXXX XXXXXXXX for {$1400.00} it was put through as a mobile deposit by XXXX on XX/XX/XXXX. Then on XX/XX/XXXX the customer put the same check through as a mobile deposit with XXXX. Neither bank caught that it had already been deposited. Our Accountant noticed then during an audit and in XX/XX/XXXX I contacted Northwest Bank. It has now been 2 months and still have not received my money
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent XXXX ( US Dollar Coin ) valued in the amount of approximately {$500.00} to Crypto.com on the XXXX XXXX. The transaction ID for the XXXX XXXX was XXXX and the transaction can be viewed on the blockchain at the website snowtrace.io. The company uses a common wallet address for customer deposits on several Ethereum-based networks, including XXXX. Regardless of the currency type or irrespective of the Ethereum-based network used, the wallet address for this transaction would have been XXXX. 

The deposit did not show as received into my account, so I contacted XXXX XXXX advised me that I had not sent the correct version of XXXX, and to return the funds to my wallet they would charge me a fee of {$100.00}. A " send '' transaction currently costs approximately {$0.00} on the XXXX XXXX, so I found this exorbitant fee to be arbitrary and exploitative. 

XXXX attempted to justify the fee by stating that they would need to " dedicate engineering resources to retrieve the funds from the blockchain. '' This statement does not even make sense technically speaking if one understands how the technology works. The funds were sent to a wallet address owned by the company. It's not like they're " stuck '' somewhere on the blockchain. 

Furthermore, in all my dealings with this company, never before have I seen any language stating that there is a {$100.00} fee to return funds. So there was a complete lack of transparency from my perspective.
Product: Credit card or prepaid card

It started with myself looking at my finances as a whole. I called the credit card company and found out that there was a promotional balance transfer offer - and I took it. I transfered my balance from another card to this new card. I'd like to note the reasoning behind this action : My goal was to show a lower credit card utilization percentage. The card I transferred from was almost 100 % and the card I was transferring to had such a high credit limit ( mind you, I haven't use this card in a while! ) so after I transfer to this new card, the utilization percentage would be roughly around 50 % and the prior card would now be at 0 % - this action would improve my credit score as I continue to pay off my debt. 

About 1-2 weeks later I received an email saying that my credit limit decreased after a review of my credit reporting. ( attached ) This was alarming so I called the credit card company to try and rectify this. I was pretty upset of course because this now defeated the purpose of me transfering my money to this new credit card banking company. My question was - why, after I recently transfer money does the company want to 'review my account ' and lower my limit. If my credit reporting history has been the same for a while now, then why didn't they want to lower it beforehand. Also - why would they approve the balance transfer offer to me? 

I don't find this action professional from this company at all. 

When I spoke to the representative over the phone, I was able to get transferred to a supervisor ( they told me this person was anyways ) and they put a request in to 'raise my credit limit '. I didn't think this was the correct procedure to do honestly. I new it would go through as a normal request - not a special case request as my phone call into them was pertaining to. I feel this was on a whole different level where it should have been handled differently. So of course, I received a denial letter ( attached ). 

I don't feel this was right or handled properly. This action did worse to my credit report. I honestly wish I just never did the transfer. I am looking into any options that I have to get this rectified. The very least, I want to pull my money back out from them and move it to another credit card banking company. They do not deserve my money for what took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from XXXX and a robot left a VM stating that it was from XXXX in the under writing department from Capitol One. I do not have any credit cards, I never have and I have never made enquiries for one.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$82.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX - XX/XX/XXXX - {$160.00} XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$22000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$870.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$00.00}
Product: Debt collection

My personal consumer information is being distributed without my consent. This company is harrasing and alleging I owe Them a Debt.ERS and agent XXXX XXXX are in violation of title 15 of the FDCPA, CFR, and FCC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX, I was railroaded by an identity theft attack that has resulted in the destruction of my credit file. I first noticed a problem when I was denied for credit and when my credit card was cancelled. Shortly after I began receiving notices from debt collectors. 

My first attempt to address the matter was to hire a company known as a credit repair service. Months went by and little was done to improve my situation. I began researching how to recover from identity theft which is when I filled out my FTC identity theft report. My FTC report number is XXXX. I printed out all the letters, reports, disclosures, proof of identity and followed every instruction. I mailed out letters to every debt collector, original creditor and all 3 credit bureaus reporting the identity theft to them. 

My second attempt was to file a police report with XXXX County Sheriff 's Office. My police report case number is XXXX. 

The results were that most creditors complied with my requests and removed the fraudulent accounts from my report. The credit bureau 's also blocked several accounts such as Navy Federal Credit Union and Discover Financial. Over the course of these past 2 years, these accounts have popped up on my credit file multiple times which results in me spending more time printing and organizing letters, postage costs, trips to the post office, etc. They've also reported multiple account numbers at times, multiple entries and sometimes no account numbers at all. 

After 2 years of this nightmare, I am ready to have peace restored in my life. I recently went for a HELOC loan from XXXX XXXX  and was denied because on my XXXX, Navy FCU is reporting an account. The underwriter understood my situation but was unable to approve me due to this fraudulent and delinquent account reporting. 

XXXX XXXX account number XXXX is reporting on my XXXX credit file. This account was opened in XX/XX/XXXX. They are claiming the balance due as {$21000.00}. No matter how many times I have mailed XXXX XXXX asking for all documents regarding the account, all receipts, all statements and removal of the account they have ignored me and refused to comply. They sent me 1 packet that had 1 page cover sheet showing a statement balance. That is all I ever received from them. At this point they are interfering and violating my rights under the Fair Credit Reporting Act. 

Navy Federal Credit Union is reporting 2 accounts for me, Account numbers XXXX and XXXX according to what is reported with XXXX. These accounts were opened in XXXX and XXXX of XXXX. They are claiming my balances as {$27000.00} and {$30000.00}. They are also reporting XXXX of these accounts with XXXX. I have never had any account with navy federal credit union and I have never been in the military. I have mailed Navy Federal over a dozen times in the past 2 years asking for documentation, receipts, statements and to remove these accounts and they have refused to comply. I have never even received a response. At this point they are interfering and violating my rights under the Fair Credit Reporting Act.