23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chime closed my account suddenly without notice saying that my transactions seemed suspicious. As a XXXX XXXX I get electronic deposits and pay bills all the time for payroll and re-imbursements, expenses, etc. The the items in question were no different than any other that Chime processed in the past so I was quite shocked. They told me on several occasions and repeatedly over several months, that a check would be mailed for the balance in the account which if I recall, was over {$6000.00}. I never received call backs, emails, or mail as promised by them and I finally gave up after about 6 months of attempting to resolve this. They would never put me in touch with a supervisor or manager, only that one would contact me. At the time, I had to borrow money just to pay my bills until my next pay arrived to a new account I set up. I even tried going to Chimes top level bank that owns them which I forge the name now but it was one of the big ones like XXXX or XXXX.
Product: Debt collection

I recieved a notice of pending lien sale from XXXX XXXX XXXX for a car that i had almost a year ago. i sold that car and i am recieving this now in the month of XX/XX/2018 and then i recieved a call on XX/XX/2018 from Nationwide Debt Management Solutions an debt collector. When i wa son the phone the lady ( XXXX ) told me about what ahe was calling for and i told her that i had sold that car and that i didnt underatand what she was saying and she just threantened me to sue me and to take me to court if i didn't pay XXXX for the debt for that car. After i told her again i don't understand what do i have to do she hung up. Once my daugther got home she called and asked what they called and i got all the information we needed we urged ro the DMV and they told us that the car is not under my name and the lady at the DMV told me to ignore the calls and to tell them to leave us alone. They stopped calling for a week but they just called my daugther yesturday while being at work and my daugther repeated what the DMV told us and they keep saying if we had proof to send it to them ans my daugther told them that they need no proof from the DMV because the lady at the DMV had already told them they need no.proof of nothing to stop calling as well which they have not been doing. They called me again as well and left a voice message telling me that it is a short period of time that i have to call back if not i will run out of time. I Recieved a notice to intent to file suit and incur costs from Law Office of XXXX XXXX  that was retained by NWDMS, LLC. I recieved that letter on XX/XX/2018.
Product: Credit card

In XXXX of 2015 we were offered an American Express Preferred Cash card which included an offer to give us a statement credit of {$150.00} if we spent more than {$1000.00} in the first three months. We spent well over that amount. We are now two months past the first three months and have not received the statement credit that was promised. We contacted American Express multiple times and have always been told that we will receive the credit the following month. This last time, we asked to talk to a supervisor who told us that they saw no evidence of us being offered the {$150.00} statement credit. They told us they would investigate it but it would take months for them to get back to us. 
American Express is clearly committing Fraud by offering a promotion to get consumers to pay {$75.00} upfront for a card, ( like we did ) and then not honoring the offer. We have filed a formal complaint with the XXXX and the Florida State 's Attorney General 's offic. 
We will never again do business with American Express and feel they should be investigated for fraudulent consumer practices.
Product: Credit card or prepaid card

XX/XX/18 I applied to a web page that pop up on XXXX that if I applied for this credit card I would get {$100.00} of a flight that I was booking. I applied and was approved with a credit limit of {$6800.00}. than the screen went black. I called the company and asked how will I know that the XXXX went through the representative said it will show up on your first bill. A few days later I call the company again Barclay and was asking about the charge for the tickets and about the {$100.00} credit. The rep said there wasnt any charges on this account. I said well I received confirmation of the flight how did I get the tickets if it isnt on the charge. Rep said he didnt know. I hung up and was trying to figured out what happened and thought maybe they charged my XXXX XXXX Card. Sure enough when I called the charge was put on my XXXX XXXX Card. When I called Barclay about the XXXX that I was suppose to get on the tickets he said I need to make a purchase again and they would apply the XXXX. I told him the whole purpose of me applying for the card was to get the {$100.00} off the tickets that I purchased on XX/XX/18. He said there wasnt anything he could do.
Product: Debt collection

I was reviewing my credit file and saw Portfolio recovery had a collection on my account for {$590.00} or so. I reached out to see what the charge was and if I could dispute/resolve if needed. The company stated they have no record of any account in their office for me. I then requested for it to be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act SYNCBCARE CREDIT XXXX XXXX XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency cannnt furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was notified that I had an account in collections. When I looked at it. It said through CCS Collection for XXXX XXXX. I do not have any policy through this company and I have spoken with XXXX  and CCS collections who told me that the policy was not even under my name it is under my father XXXX XXXX. This is not the first time XXXX  has allowed information for this man to be placed on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I request for wrong spelled names and inaccurate addresses to be removed for my credit. I never heard a response back. I sent a follow up letter via certified mail on XX/XX/2023 and have yet to hear back or see miss spelling of name in correct address even last 4 of social inaccurate removed. I would like to know when this can be fixed I even tried calling and unable to get through
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries that are reporting on my reports that I did not authorize, I have no idea where they came from! When I contacted the creditors they told me it was all electronic and I needed to dispute with the bureaus, so I did starting in XXXX of XXXX. When I found out they were supposed to respond within 30-45 days but I never got an answer, I sent another letter on XX/XX/XXXX, Still nothing so I sent them in XX/XX/XXXX and XX/XX/XXXX through certified mail so I could track it. They were delivered but I have never received any mail from them showing that they were investigating or anything! This is not acceptable or legal.
Product: Credit reporting or other personal consumer reports

Did a credit report and there were at least XXXX cards that weren't mine XXXX that were kohls and XXXX credit cards totaling about XXXX or less XXXX or lower .and there were student loans XXXX mine the rest not also XXXX XXXX cars in my name vacation hotels XXXX even XXXX XXXX on credit here I am homeless needing some food I got my own XXXX XXXX XXXX probably don't want mine no more lol well can u please look into this for me. Also doctors and veteran benefits insurance anything really XXXX bless u XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is 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? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Checking or savings account

My business account had XXXX transactions from fraudulent withdrawals. On XX/XX/21 XXXX XXXX made XXXX deposits into my account for a total ofXXXX then XXXX withdrawal ofXXXX then on XX/XX/21 XXXX XXXX withdrew {$790.00} I filed a complaint with Citizens Bank and this was resolved. Then onXX/XX/XXXX XXXX deposited XXXX deposits totaling XXXX then on XX/XX/21 while I was on the phone with Citizens Banks XXXX department XXXX XXXX him about the XXXX deposits and I stated I dont have any accounts with XXXX and the representative informed me XXXX had just withdrawn {$10000.00} from my account. I told him it was fraudulent and requested he stop it immediately. He instead filed a claim. XXXX Banks XXXX Department doesnt return your calls. And they are fully aware the transaction is fraudulent! They also know the money was transferred to XXXX XXXX. They claim I have to waitXX/XX/XXXX days before any money will be returned if they can recover it, if not their XXXX Department says that maybe my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried countless times to have all three bureaus understand two items. XXXX XXXX XXXX charge off was 7 yrs ago and I paid the account In Full as the check noted. Over XXXX XXXX.

Second I have one student loan payment. They are reporting late payments as x10 for each loan that the payment is disbursed across. This is absolutely ridiculous and unfair and no one seems to care at all.
Product: Debt collection

I received chiropractic care from XXXX XXXX XXXX XXXX XXXX XXXX in 2019 after being XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I chose this healthcare provider because they were IN NETWORK with my medical insurance, XXXX XXXX XXXX XXXX. They are still listed as an IN-NETWORK provider with XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX XXXX XXXX Then last week, after receiving ZERO invoices or any sort of communications from this healthcare provider, I learned they turn over this alleged debt to a debt collection agency and thus reported me to the credit bureaus causing major damage to my credit profiles. 
This healthcare provider, XXXX XXXX XXXX XXXX XXXX XXXX was provided with my insurance card and billing information at the time of providing me services and they were supposed to bill my medical insurance, XXXX XXXX XXXX XXXX. However, after 5 years since receiving services from XXXX XXXX XXXX XXXX XXXX XXXX, they never billed my insurance as they were supposed to do. 
Per my medical insurance policy, the provider has 180 days to submit claims for payment from the date of service, which they did not do. I contacted my medical insurance company, XXXX XXXX XXXX XXXX where they sent me the entire 2019 claim history to verify that no claims were ever submitted. Further, per my policy, if the provider does not submit claims 180 days from the date of service, the member is not responsible for any charges. A copy of the 2019 claim history is being included as documentation with this dispute, as well as the email from XXXX XXXX ( Parent company of XXXX XXXX XXXX XXXX ) that states that if the provider does not submit claims within 180 days, that I am not responsible for any charges. 
Further, this facility pushed me to sign up with an attorney that they said specializes in auto accidents, stating that this attorney could get me additional compensation. I did sign up with that attorney, however, this attorney was horrible and after trying to work with him for nearly 2 years, I fired him. There was no settlement. I was in regular communication with XXXX XXXX XXXX XXXX XXXX XXXX  the entire time and have the emails that are being submitted with this dispute as further documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX have never sent me any statements or made any efforts to communicate with me about any alleged debt that I may owe them and simply have turned over a debt that is not valid to a credit collection company, which is fraud on their part. 
I am requesting that this negative reporting be removed from my credit file immediately. You can see from the history of my credit file that I have had excellent credit for numerous years. 
Please let me know if any further information is needed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX, XX/XX/XXXX. I have read enough to understand my rights. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me and are appearing on my credit report without my authorization : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX, Phone : ( XXXX ) XXXX ) - This is a collection account that I never opened, yet it appears on my report. 
It is negatively impacting my credit, and I demand its removal as it is not my debt. 

XXXX Bank XXXX. ( XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone : ( XXXX ) XXXX ) - This account has been paid off, yet it still shows an outstanding balance. 

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, Phone : ( XXXX ) XXXX ) - I have never had any accounts with this lender, yet it is being reported on my credit file. 

XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX, Phone : ( XXXX ) XXXX ) - Late payments are incorrectly reported, despite my payment history being on time. I have provided proof of timely payments, but the issue has not been corrected. 

XXXX Bank XXXX. ( XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone : ( XXXX ) XXXX ) - The account was fully paid, yet the credit bureau continues to report an outstanding balance. 

There are hard inquiries on my report that I did not authorize, and they must be removed : XXXX XXXX ( XXXX XXXX XXXX, XXXX, OR XXXX, Phone : ( XXXX ) XXXX ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, Phone : ( XXXX ) XXXX ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone : ( XXXX ) XXXX ) Inquiry Date : XX/XX/XXXX Incorrect Public Records A foreclosure is listed on my credit report, but I have never had a foreclosure in my name. 
A financial judgment appears on my credit report, yet I was never notified or involved in any legal proceedings.
Product: Money transfer, virtual currency, or money service

The company is Gemini Trust LLC and I had cryptocurrency in the account ( Ethereum, Bitcoin and Doge coin ). 


I received and email at XXXX XXXX  on XX/XX/XXXX XXXX XXXX, Your withdrawal of XXXX ETH has been confirmed by the Ethereum network. 


Destination address : XXXX XXXX hash : XXXX Sign in If you did not initiate this action, click here to freeze your account and please contact customer support immediately. 

Team Gemini I froze the account, attempted to fill out a form on their website asking for support, sent emails and even replied to their email... .see below : Re : Gemini is Built on Trust, Safety, and Compliance. 

Sat, XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) To : XXXX Details I loved the letter, unfortunately, my account has been hacked and I have {$15.00} left in my account. {$650.00} was taken. How was this possible? Are you going to refund my money? 

XXXX XXXX At the bottom of XXXX of their emails ( in light gray print ) was : Gemini Trust Company , LLC ( XXXX Gemini XXXX, XXXX XXXX AZ, CA, DE, FL, HI, ID, IL, KS, KY, MA, MI, MN, NC, ND, NM, OH, OR, SC, SD, UT, and VA XXXX XXXX Gemini XXXX in AK and WA ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX I called the number, but all it does is tells me how to email them!!!!!! 

Please help me!
Product: Debt collection

A judgment was levied against me after credit card debt was sold from MBNA to Bank of America, and I was XXXX XXXX and on XXXX XXXX XXXX. I did not even know there was a judgment against me until I began to look for apartments and realized that suddenly no one agreed to rent to me unless I paid a year 's rent upfront, which was and has been impossible. The law firm that rendered the judgment will not remove it and I can not afford to pay it. My understanding has been that because I have been XXXX   XXXX, this judgment should not have been rendered in the first place. 
This judgment occurred sometime in late XXXX. It is for {$12000.00}. ( I desperately need to move from a dangerous living situation, but no one will rent to me as long as this judgment remains. ) Apparently, this occurred with many individuals and a class action suit was filed against MBNA and Bank of America. But the attorney, XXXX XXXX, who issued these judgment has refused in general to remove them.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER XXXX USC XXXX C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account was compromised & with that being known by the financial institution & my account is still locked. I dont understand this. I have no transportation to go to the bank but they have no reason to not fix ny account and give me access to it if its comprised and the rightful owner is here with proof. The fact that I told them it was compromised the situation shouldve been handled as in my account fixed & returned in good standing now I have no account to receive deposits or do normal things!