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

I incurred three overdraft fees after Wells Fargo advised and extra day grace period to cover transactions and I was unaware of going over this date for each fee, I repeatedly made deposits to try and avoid. Total amor of fees {$95.00}, Date of overdraft fees and amounts are ; XX/XX/XXXX for fee of {$35.00} due to a {$20.00} charge, XX/XX/XXXX for fee {$35.00} due to a {$15.00} charge and XX/XX/XXXX for {$35.00} due to a {$13.00} charge. One of my fees was due to acct being overdrawn only by {$1.00} as they state no minimum. My power was shut off due to wildfires while incurring one of the fees and I have had a fee reversal from Wells Fargo back in XX/XX/XXXX. They denied reversal of all three fees and including the fee when my power was out for 2 days, I had no access to internet or my online banking. Well 's Fargo denied to escalate to supervisor and declined my request the last 4 times I've called to ask. One rep stated they no longer escalate so whatever fake supervisor I was routed to lied to me. I also offered proof for the XXXX  power shutoff and my office building closure for the one fee I was charged during my outage. Nobody has helped me with this matter. I am told I'm allowed one fee per 12 month rolling period. The process changed and I was unaware. I have so many life stressors going on and this is something Wells Fargo can help me with so that I may have some relief.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX  Account Number : XXXX .... 

This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681. 

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests.

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification.

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you provide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor.

- Documentation showing that your agency is authorized to collect this debt.

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA.

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency. 

WHY IS THE BALANCE {$1200.00} WHY IS THERE A DATE OPENED OF XX/XX/year>? BUT YOU ARE BARELY REPORTING THIS ACCOUNT ON MY CONSUMER REPORT? 
THIS HAS ALREADY BEEN DISPUTED AND REMOVED YOU ARE NOW REAGGING THIS ACCOUNT BY RE INSERTING THIS ON MY CONSUMER REPORTS WITHOUT NOTIFYING ME OF SUCH ACTION. DELETE IMMEDIATELY AND PAY MONETARY RELIEF FOR YOUR VIOLATIONS UNDER THE FCRA AND FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney nor am I a third party. I am filing on my own behalf because it is my legal right to do so. I have a 30 and 60 Late pay the is showing on my credit report from XXXX XXXXXXXX XXXX USA N XXXX. My income was affected due to the Pandemic Shutdown. I am seeking some accommodations under the CARES ACT FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, XXXX XXXX I am trying to protect the integrity of my credit profile as much as I can. I am current on all the accounts I was told that I have to write and request the late pays to be removed.
Product: Debt collection

I received a letter on XX/XX/XXXX form ARS National Services Inc they are collecting a debt on behalf XXXX XXXX. The letter is in Spanish but is a settlement offer to resolve a my debt with XXXX. The offer is good until XX/XX/2020. 
I contacted all my family members to get all the money together and pay the offer. Today XX/XX/XXXX I called to this collection agency to take the offer -remember the offer is good until XX/XX/2020- but I was informed that the account was recalled from XXXX. 
This is a unfair communication tactic from the Bank and form the collector since they made an offer and later decline it. For me sounds like XXXX is just playing and do not understand cases like mine where customers are making the best to resolve debt problems. 
I called XXXX to try to get the same offer and pay it, but I was informed that they could not locate my account since the account was recalled and I will receive a call from a Law Office in the following days.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have attached an FTC report with a fraudulent account and fraudulent unauthorized inquires
Product: Credit reporting or other personal consumer reports

CEASE & Desist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX RE : Cease and Desist Request for Collection Accounts [ XXXX ] Dear XXXX XXXX XXXX, I am writing to formally request that you cease all communication with me regarding the collection account referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to demand that you stop contacting me, and I am exercising that right with this letter. 

Please take notice that this is a request for you to cease all communication with me in relation to the collection of the debt listed on my credit report. I also demand that you stop reporting this collection account to the credit reporting agencies, as I dispute its validity. You are hereby instructed to provide written verification of this debt, as required by law, and remove this information from my credit report if the debt can not be verified. 

Failure to comply with this request will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursue legal action for any violations of the FDCPA, including the continued reporting of disputed information on my credit report. 

Thank you for your immediate attention to this matter. I expect written confirmation that you have complied with my requests within 30 days. 

Sincerely, XXXX XXXX
Product: Credit reporting

Hi there, it really frustrates me that the credit bureaus report information on our creditbut they are unwilling to take responsibility and accountability for theiractions. I just called Experian and spoke with a rep named XXXX atXXXX. I am a victim of Id theft. Originally Experian list XXXX different socialsecurity numbers on my credit, addresses and a host of collection accounts. 
They ( Experian ) had XXXX collection accounts from a company calledXXXX XXXX XXXX XXXX on my credit. I supplied them with a valid police reportand the accounts were removed then a totally different account from this company appeared witha new account number. I have tried to have the fraudulent/unknownaccount removed and I felt as if I was being ignored so I called and spoke toXXXX today. I am not sure where they found XXXX or what type of trainingshe has but she seems to be very incompetent. 
She advised me that Experian just stores information on our credit and is not responsible for the information being reported the creditor is. She further advised me thatthe original creditor advised Experian to keep the fraudulent account on mycredit. I asked XXXX to provide me with the information of the person orpersons that they spoke to at XXXX XXXX. She said she did not have thatinformation. She said that the information on my credit is being reportedcorrectly. I asked her if that was the case why were there still incorrectspellings of my name on my credit. She said oh those spellings havebeen on your credit since 2007!!! 
She also told me that the fax number I used has not worked in over 2years when that is the same number I used to send over my informationthat she said they had received in XXXX!!! 
XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

chase let someone use my card still refuse to return my money after many attempts they have violated my consumer rights and i want my money back
Product: Debt collection

XXXX XXXX has reported a debt belonging to XXXX XXXX originating in XX/XX/2018. I have not had any business with XXXX/ XXXX XXXX  in the last 8 years. I have reported this account as fraud if it falls in the timeline they have provided. Additionally I did have my wallet stolen and charges were pressed against a women who had been representing be me. That have not provided any proof that I accrued this debt. I have not subscribed to any cable or satellite services in 8 years and I have been an exclusive XXXX customer for 15 years. 

I believe they may have purchased very old debt that has passed the statute of limitations and are representing it as a new debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is believed that Capital one has opened an account for someone with a a similar name or possibly one without my consent. This company reported an address to my credit profile in XXXX, NY ( XXXX XXXX ) I have NEVER lived in NEW YORK! Also, I will need this company to delete any negative credit reporting information ( if any ) and delete this unknown address from my credit profile as this could be used to open credit under my name without my knowledge. I will also need capital one to furnish me with proof that it has deleted the address and any reporting information. If capital one can not comply, I will be forced to escalate this up to the full extent permitted by law.
Product: Debt collection

XXXXX16 Under {$300.00} The company is threatening to summons me for debt owed while i was on Military duty and going through family issues.
Product: Credit reporting or other personal consumer reports

I am formally disputing and demanding the immediate deletion of the following accounts and unauthorized hard inquiries from my credit report due to your willful and negligent violations of my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the criminal penalties outlined in 15 U.S.C. 1611 ( 1 ).

You ( transunion ) have failed to properly investigate the disputed items, removed and added accounts arbitrarily, failed to disclose the findings of an actual investigation, and provided my personal financial information to third parties without my written consent. As such, you have knowingly and willfully violated my consumer rights, entitling me to statutory damages.
Product: Debt collection

I need some help, my car loan is through Capital One and I have an open good standing small credit card with Capital one however there is an account reporting on my credit stating in collections with this same company listed stating I owe XXXX BACK IN 2019 WHICH is NOT correct. Please help this must be someone else 's account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Money transfer, virtual currency, or money service

I am writing to express my concern about Zelles handling of disputes. I can get more information from my bank on the date this occurred and I just heard about a lawsuit regarding Zelle. I filed a claim through my bank and through Zelle and Im dissatisfied with the out come. They failed to investigate my claim properly. They informed me that it would not be possible to get my money back and tracking these transactions would not be possible. Zelle has neglected to protect customers and information that would have been important to the police when I reported this. Had there been a hold on the money with such an amount it would have saved me a lot of heartache.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX XXXX Balance : {$600.00} XXXX  XXXX XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed dispute with Experian, XXXX and XXXX, but i have only heard from Experian and XXXX. Its been over 60 days and I haven't heard anything from XXXX. Experian an XXXX reported that the information was verified and accurate but I have proof that that is not true or accurate. 

XXXX XXXX has deleted the bankruptcy off my consumer report and the US bankruptcy court verified that they do not report the the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just discovered that I have been charged for a monthly subscription ( {$24.00} ) from Transunion that I never signed up for! This has been going on for months, every XXXX of the month.
Product: Debt collection

I am writing to formally dispute inaccurate information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). IQ DATA INT Account Number : XXXX Total fraudulent amount : {$4900.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I was alerted that 2 charges in the amounts of XXXX and XXXX had posted to my XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX  These charges were not authorized by me and no permission was given for XXXX XXXX XXXX XXXX to charge my card for these additional amounts. In XX/XX/2020, I placed 2 orders on XXXX XXXX XXXX XXXX website in the amounts of XXXX and XXXX which were processed and paid in full. I have bank records to confirm these transactions were paid in full. No additional charges were made or authorized by me. I have attempted to contact XXXX XXXX XXXX XXXX Fraud Department and after contacting them numerous times during business hours have not been able to reach anyone to report this. There is only a recording that no representative is available to speak with at this time. I am also getting the sams message when attempting to contact XXXX XXXX and report fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. For over 3 years now I have been sending paperwork over and over and over and over and over to these stupid bureaus and they keep disregarding it. I understand that the creditor is saying it belongs to me BECAUSE THAT IS WHAT XXXX XXXX XXXX XXXX, A PERSON IMITATING ME. I did not say it was a strangers information, I said it was FRAUD. I have provided a police report, identity theft affidavits and several FTC reports. My information was exposed in the XXXX data breach. They are violating my federal rights. I am trying one more time to reason with them or I really have no choice but to sue them. No one seems to be doing anything to investigate the fraud or the theft of my identity and I am being harmed by this. Please help me! My drivers license and social card are attached here so that you have my information available.
Product: Credit reporting, credit repair services, or other personal consumer reports

WRONG NAME REPORTED ON CREDIT FILE - XXXX XXXX and XXXX XXXX WRONG ADDRESS REPORTED ON CREDIT FILE - XXXX XXXX XXXX XXXX, NJ XXXX AND ( XXXX XXXX XXXX, GA XXXX ) ALSO ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )
Product: Debt collection

I have received collecting letters from Convergent on behalf of XXXX for an apparent $ 5,000+ debt that is not mine. 
I have never been a XXXX customer. 
When I called both ( XXXX & Convergent ) they indicated that the account on their end had my name and social security information although the address was from Ohio. I live in XXXX XXXX and this is the only residence I have ( and always have had ). 
This debt, on collection, is not mine plus negatively impacts my credit report/score.
Product: Credit reporting or other personal consumer reports

Credit Karma improperly or misused their platform to deceive me for gainful practices. 

Misleading me by providing false XXXX XXXX data so I would apply for credit cards, when the data offered to me was purposely misleading causing my credit to decrease, and caused other financial disparities to occur that hindered my financial status
Product: Credit card or prepaid card

Last month around XX/XX/2019, I had filed a report for fraudalent charges against my Citi Visa Card. After resolution of these charges, they credited my account and then dropped my credit limit by {$2000.00}. I called them and protested. I asked why I was being punished for filing a fraud claim and your company immediately dropped my available credit limit. They said they didn't have an answer. 

I have been an excellent customer and Always paid my card on time. I am now being punished for no reason. They are trying to blame the credit reporting bureaus now which is nonsense. 

I could only see this happening if I didn't pay above and beyond on my card payments and pay well in advance. But I did. I did Not deserve this kind of treatment. I told them I would not shop at Costco anymore because of what they did. They did not care. 

My account number is XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

In short I 'm locked out of my Coinbase account and I 've tried many things to re-gain access to it. Here 's the context : On XX/XX/XXXX, I broke my cell phone. 

On XX/XX/XXXX, I purchased a new cell phone. And activated it with the same phone number as the previous, now broken, phone. This phone number is also the one tied to my Coinbase account. 

On XX/XX/XXXX, I tried to login to my Coinbase account. But I learned I was locked out my account because I lost access to my XXXX 2factor authenticator app due to the broken phone. Meaning, I still have my Coinbase password, but I no longer have 2fa codes needed for 2factor authentication because the XXXX authenticator app codes were on the broken phone. 

Coinbase offers an Account Recovery Process for such a scenario, i.e., when you do n't have access to your 2fa codes. The Recovery Process requires entering your phone number in order to receive Verification code via SMS, which in turn allows you to proceed to further steps like uploading your ID. 

There seems to be a glitch in the Coinbase Account Recovery Process because I do n't receive the SMS Verification code in order to proceed to the later steps. 

I tried the Coinbase Account Recovery Process several times, in different browsers and after clearing my browsing history and cache. And nothing I did worked. I still do n't receive the SMS verification code and I can confirm that I rcan eceive SMS messages from many other sources. The problem is on Coinbase 's end. 

On XX/XX/XXXX, I submitted a Support request. And I received an automated response email from Coinbase in return. 

On XX/XX/XXXX, I then received a follow-up note from a Coinbase representative. And the representative 's note showed a complete lack of digging into my issue because it did n't speak to my specific problem, but rather general talking points. 

On XX/XX/XXXX, I responded and reiterated what the exact problem was ( of not receiving the SMS verification code ). 

On XX/XX/XXXX, I called Coinbase 's Support telephone number two times. In total I waited over 2 hours without ever having spoken with a human agent.

On XX/XX/XXXX, I emailed the Coinbase Support in the email thread and notified the representative that I could n't get through to a human agent. And soon thereafter, I received email from the Support rep saying : " Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as  soon as we have an update. '' It 's now XX/XX/XXXXover a week of being locked out of my accountand my issue is still unresolved. In the interim, I 've reached out to XXXX XXXX on XXXX, I 've continued to try to communicate with the Support representative in the email thread but I have n't received any updates, and I 've sent a separate email to the CEO, XXXX XXXX. 

Which means I 'm still locked out of my Coinbase account and thus can not access my money. 

And I 'm feeling helpless.