23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( FRANKLIN COLLECTION SERVICES, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ; XX/XX/2009, XXXX, ACCOUNT NUMBER : XXXX, INDIVIDUAL ACCOUNT, {$180.00} ) is inaccurate because Medicare-XXXX General Information : ( " XXXX. We are a doctor 's office and heard that we can not bill people with both Medicare and Medicaid, even if we do not participate in Medicaid. Is this true? 
XXXX. For services that are covered under Medicare, you can not bill a Qualified Medicare Beneficiary ( QMB ), even if your office does not accept XXXX. A QMB is someone whose income does not exceed 100 % of the XXXX XXXX XXXX and who is eligible for XXXX paying Medicare premiums, deductibles, and coinsurance for both Part A and B. 
Even if the person signs a document accepting liability for any treatment costs, you still can not bill them, as QMBs can not waive this right under XXXX. Providers who bill a QMB for costs above the Medicare and XXXX payments ( even when XXXX pays nothing ) are subject to sanctions '' ). ( XXXX ). I am requesting that the item be deleted to correct the information. 
Enclosed are copies of ( Partial XXXX Credit Report with item circled, ) supporting my position. Please reinvestigate this matter ( s ) and delete or correct the disputed item ( s ) as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into an unauthorized hard inquiry on my Experian credit report. I discovered this inquiry while reviewing my credit report and believe it was conducted without my knowledge or consent. 
The details of the inquiry are as follows : Date of inquiry : XX/XX/year> XXXX Company name : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/year> XXXX Company name : XXXX of XXXX Date of inquiry : XX/XX/year> XXXX Company name : XXXX of XXXX I did not authorize XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX or any affiliated party to access my credit report, nor did I initiate any transaction, application, or business relationship with this company that would warrant a hard inquiry. According to the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permissible. 
I have already contacted Experian and XXXX XXXX XXXX, XXXX of XXXX regarding this issue and have not received a satisfactory resolution. Therefore, I am seeking your assistance in removing this unauthorized inquiry from my credit report. 
I request your prompt attention to this matter, as unauthorized inquiries can negatively impact my credit score and financial standing. Please let me know if you require any additional information or documentation to assist in your investigation. 
Thank you for your time and assistance. I look forward to your response.
Product: Checking or savings account

In early XX/XX/XXXX my wife and I added our respective XXXXXXXX XXXX accounts for external transfers and manually verified ownership of both accounts through the small deposits that Ally sent. We don't use the XXXX accounts much so in order to avoid a monthly fee with them, we have {$2.00} automated ACH transfers scheduled every 2 weeks for each account. These have been successfully executed a dozen times. ON XX/XX/XXXX I received an email from Ally saying that my wife 's XXXX account could not be verified and was removed from our external bank transfer list. Again, ownership of this account was verified back in XXXX and Ally has sent transfers there many times. When I called Ally on XX/XX/XXXX, after a lengthy wait time as the rep contacted numerous departments to figure out what was going on, I was informed that the account was mistakenly removed as the result of a system error. The rep advised me to re-add the account. When I tried to do that, I got an error that the routing number was invalid ( it isn't ). The rep then tried to add the account for me and he got a different error. Consequently, he said that the account addition now had to be reviewed by " loss prevention. '' Later, I logged in and noticed that the XXXX account was now listed as " Denied '' as was my XXXX XXXX XXXX  account for which I had been waiting for Ally to send small deposits for manual verification. This is the second time in the last couple years that I have had a major issue with Ally 's external transfers. The customer service reps are powerless to help and the department tasked with fixing it and calling me in " XXXX hours '' ( as they promise ) never call or fix the issue. I was not able to get it resolved last time until a CFPB complaint was filed. I have been with Ally for over a decade and it's ridiculous that this even happens at all, let alone the fact that the mere mention of having this reviewed by " loss prevention '' is an assault on my and my wife 's character. I just want this resolved and further, I want Ally to take steps to fix whatever issue it is that continues to cause problems with getting my own money out of the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that on XX/XX/2022 FIRST INVESTORS FIN ran my credit. I did not authorize this. This inquiry has caused my score to decrease. I fear that my identity has been stolen.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 162XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Debt collection

May this letter find you in good health As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. I understand the importance of maintaining a positive payment history and take full responsibility for these oversights. I kindly request your understanding and assistance in removing the recorded late payments from my account history. 
XXXX, XXXXXXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX, XXXX. customer service representative. 
XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXXXXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed. 
I appreciate you taking the time to consider this request. I value your efforts in assisting me in keeping my account information accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an e-mail notification from XXXX that there had been a " Hard Inquiry '' on my transunion credit report dated XX/XX/2019. I contacted transunion and explained to them that I have never done business with a company called " XXXX XXXX " and that I want the Hard Inquiry deleted from my transunion credit report. Transunion told me I had to contact XXXX XXXX and get them a to write a letter to me, then I can take that letter and mail it to transunion. I have never done business with XXXX XXXX and thus have no account with them to write a letter from. I tried calling the number listed for XXXX XXXX ( XXXX ) and it just rang with no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with the CFPB ( XXXX-XXXX  ) on XX/XX/2021. I.C. Systems stated Our records indicate the account has been disputed but its still reporting on my accounts. 

I know my rights and I know I have to give permission for someone to obtain my credit report. I did not give I.C. Systems permission to obtain my credit report file. I do not have a transaction with I.C. Systems or an account. I have to provide I.C. Systems with legal power of attorney or a notarized consent letter giving authorization for them to act on someone behalf and I NEVER gave I.C. Systems permission. 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports, states In accordance with the written instructions of the consumer to whom it relates.
Product: Checking or savings account

I h ad PNC  only 3 months I had business accounts and personal accounts.  XXXX  the business banker opened  XXXX  accounts for my business then closed  XXXX  and gave me the closed accounts numbers with the debit cards to the open accounts my clients kept trying to send money only to have funds rejected and was told the account was closed i spoke repeatedly to t he manager and assistant manager at my PNC bra nch  XXXX  and  XXXX  and was told everything was fine but it wasnt I was using the debit cards thinking everything was ok then the actual active accounts became overdrawn and checks bounced and no payments from my customers was received  XXXX  told me last week i had the qrong business account numbers and he was sorry My personal account was in good standing and it was closed an d PNC never informed me they was closing them, I have a job and my check is direct deposit I asked them will I be able to get my deposit cus my rent is due and was told they have to hold it for 30 days I have been so stressed out over the fees and lies from PNC I feel lik e I have  XXXX  not only have I lost alot of vendors and clients for my business but now my personal life is in shambles  and I may get evicted I went to my doctor for   XXXX   XXXX   XXXX   XXXX   all due from dealing with PNC HOW CAN THEY DO THIS Its not fair how they are allowed to  XXXX  people over
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$1800.00} XXXX XXXX Balance Owed : {$5100.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Checking or savings account

On XX/XX/29 a person used my stolen license to withdrawal {$1400.00} from my account at a branch in XXXX, MI. We do not live near there. We called immediately when we received the alert but had to wait until it was no longer pending. On XXXX we started contacting claims for the fraudulent activity. Both my husband and I have called countless times. I have visited the branch. I have faxed both my drivers license and the police report multiple times. I have emailed my police report. They are still claiming, 10 days later that they do not have any of the things that both I and the branch have faxed and emailed. They will not allow me to contact anyone other than the people at the claims call center. There is no ONE person to speak to that can help us get our money back. We are now nearly 3 weeks after this thief stole our money and still do not have it back. Chase has made it nearly impossible to get it back and have treated us as criminals with the burden of proof being on us. Their system is broken. This is not okay.
Product: Credit card

SYNCHRONY BANK COMPLAINT I had a XXXX card serviced by Synchrony Bank. The servicing was then transferred to XXXX XXXX. I inadvertantly sent {$4300.00} to Synchrony Bank on XXXX XXXX. They received and cashed my check instead of forwarding the payment to the new XXXX, XXXX XXXX. I have called Synchrony Bank multiple times spending hours on the phone to no avail. I faxed a DISPUTE to them as per their request. I sent another copy via Certified Mail. I have never heard back from any of those DISPUTES. I called today and they can not anything in " their system '' connected to my name nor my payment of {$4300.00}. I want my money refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Care credit tacks on a card protection fee in the fine print. After a recent purchase, a fee was tacked on for card protection of around {$40.00}. They give the run around on cancelling this fee, stating it will take two business cycles to reverse. Its predatory, especially considering the nature of this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint involves XXXX and TransUnion. A few weeks ago in response to an email I received from XXXX suggesting I could save money if I insured my car through them I filled out the requested information and received a guote. I did not take further action. Today I received an email from XXXX indicating that my quote was higher due to reporting information they received from TransUnion that included 4 items that were on my report that would cause a higher quote.

I don't understand any of the points listed and they don't seem to have affected my overall credit score which is very high.

I'm not inclined to spend the effort to work with either company to correct this mis-information. I will just go to some other insurance provider in the future. 

But it does look to me like XXXX is just trying to find a reason to inflate the quote and either leveraging or partnering with the credit reporting agencies to justify it.

I do think there needs to be much more scrutiny and regulation of the credit reporting agencies. They seem to have a lot of influence on consumer affairs with very little oversight from people who are actually concerned about the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following account : XXXX XXXX XXXX XXXX  This account was opened without my knowledge.
Product: Credit reporting or other personal consumer reports

SUNRISE CREDIT SERVICE {$5400.00} Debt not mine at all, never seen it
Product: Student loan

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Fed loan Servicing on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.
Product: Debt collection

This company has called me constantly to collect a debt. I received a letter XXXX for debt validation they could not provide me legit documentation. I asked if a photo ID was given please provide it, the customer service rep tried speaking over me and begin to hang up the phone on me.
Product: Checking or savings account

I am XXXX and a victim of bank fraud. A fraud check was cashed in the amount of {$6700.00} to my account. i am seeking reimbursement due to pending bills. I have waited months for a refund and still nothing on both sides. I have contacted Bank of America claims unit by phone on XXXX and they claim that it is a XXXX XXXX problem. The fraud check was cashed at Bank of America on XXXX. I need my funds returned so i can cover my bills as i am on fixed income. Please contact both institutions to expediate this issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these item are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

On XX/XX/XXXX i received my receipt for paying off my debt from IQ Data systems. Since then i have repeatedly been harassed by the companies employees. They continue to contact me without investigating on their side where my money went, I have asked every single person that has called me to please get with their management to help them find the payment and all they do is continue to call me and harass me via phone with an entire new person on the line and all the employees claim that I end the call but they are the ones ending the call because i refuse to pay them a debt that has already been paid. 

This has been going on since XXXX and to be completely honest prior to paying the debt the employees yelled and talked in a very aggressive manner when i asked them for more time to pay. 

I would like to please have them stop calling me and harassing me please.
Product: Money transfer, virtual currency, or money service

XX/XX/2024, my Coinbase account was hacked, and over {$65000.00} was stolen. Despite having two-factor authentication ( 2FA ) and biometric security enabled, my account was compromised. I pay for a data monitoring service that confirmed my personal information was never leaked or found on the dark web, suggesting the breach occurred internally at Coinbasesomething local law enforcement also believes. Heres where it gets frustrating : I reported the incident to Coinbase just an hour after the theft, but their support team was unhelpful and lacked technical expertise. They told me they would " investigate, '' but all I received were generic responses. Their policy? They cant reverse or reimburse transactions confirmed on the blockchain, leaving me high and dry. Coinbase 's user agreements limit their liability, meaning you can't take them to court for breaches like this. Instead, you're stuck with small claims court or arbitrationhardly a fair solution for such a significant loss. As an institution, Coinbase does not stand by its users. The risks of investing on their platform far outweigh any potential rewards.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Fraudulent inquiry
Product: Credit card or prepaid card

I am a victim of Hurricane Michael, living directly in a federally declared natural disaster zone. Kohl 's is aware of this and I have been a card holder for nearly 10 years now with an impeccable payment history. On XX/XX/XXXX, Kohl 's emailed regarding the " Match-A-Pay '' solution offering to save me {$50.00} off of my balance. 

On XX/XX/XXXX, I called and spoke to the supervisor XXXX whom I informed I would be willing to submit a payment today and use the " Match-A-Pay '' solution provided that he waive the recent late fees as well. As of today, two of the late fees have been credit back to my account but I have not received the " Match-A-Pay '' solution as promissed.
Product: Payday loan, title loan, or personal loan

I am filing a complaint against Credit Fresh for operating a payroll loan service in the State of Arkansas and charging customers interest rates beyond the allowed limits in the State of Arkansas of 17 %. Also, under the Arkansas Law payday lenders are prohibited to loan money in state of Arkansas.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX and XXXX XXXX XXXX XXXX were both reported late. Neither should have. I was advised from XXXX XXXXXXXX because I was on a credit protection since XX/XX/XXXX that didnt go through successfully for good faith I should ask to be remove by a XXXX XXXXXXXX representative. I lost my job in XX/XX/XXXX and just got divorced I have been in a XXXX XXXXXXXX as I was left to care of my XXXX kids alone. I ask now I am on track and trying to move my family away to XXXX and start over please to remove the late payments. Both accounts are up to date. The balance of XXXX XXXXXXXX is XXXX not sure why its not updated. Please give me hope to move forward with my life as I have been the lowest and just now getting back to having reasons to live. I understand fully the importance of credit and will maintain a positive report moving forward this is a huge hurdle with doing so when I was registered to be protected.
Product: Mortgage

In 2010, my husband lost his job, as did so many others... we could NOT pay our mortgage. We tried to do the loan modification, but the mortgage company, Wells Fargo sold our mortgage to another company, DURING the modification process, which completely put our home modification is disarray. The 2nd mortgage company basically just evicted us and resold our house. Because of that we have never been able to purchase another home. They have ruined us financially. Our neighbor 's refused to leave and sued. I wish we would of followed suit but because we had young children we did not want someone to come and physically evict us.