23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collection recently showed up on my report for {$250.00}, for what looks like an apartment management company as the original creditor. I Googled the original company, and while I 've lived in XXXX of the states where they have complexes, never in those cities ( e.g. lived in CO, but not XXXX ). I even looked up the old complexes that I did live in, and they have n't changed management. I wrote a letter to the collection agency stating that I need proof that the account is mine, and I stated everything I stated above. I went on to say that if I found that I was responsible for the debt, I would pay it promptly ( I have moved 5+ times in 2 years, so I 'm not trying to skip out on a debt, I may have just missed it ). I also disputed it across XXXX, XXXX and XXXX, but it comes back saying " Updated : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' The collection agency has not responded to my letter, however, on my most recent credit report update, the collection is now reflecting as " closed ''. But it is still there as a negative mark. I do not understand. Are they unable to validate and instead of telling me that and removing it, they just mark it closed? This is negatively impacting my credit score at a time when I am trying to rebuild.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - Account number # XXXX XXXX XXXXXXXX - Account number # XXXX XXXX - Account number # XXXX XXXX - Account number # XXXX XXXX - Account number # XXXX XXXX - Account number # XXXX XXXX - Account number # XXXX, has violated my rights. 

15 U.S.C 1681 section 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

This payment was received XX/XX/XXXX of 2021. This was a Monday following the weekend of a 28 day month. 
The payment was listed as 30 days past due when it was not 30 days. Typically a payment received on the first day of the month following the weekend is considered on time because the bank is not open Sunday despite the fact that it was not 30 days late as reported. This account and all my accounts have an impeccable payment history is current and should be deleted from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO HAVE AN ACCOUNT BLOCKED ON MY REPORT WITH   XXXX    SEVERAL TIMES NOW AND HAVE SUPPLIED ALL THE DOCUMENTS THEY REQUESTED TO HAVE IT REMOVED. UNDER THE FRC A 605B  XXXX  AND TRANS UNION HAVE REMOVED THE FRAUD ACCOUNTS BUT  XXXX  HAS NOT AND SAYING IT NEEDS TO DO A FULL INVESTIGATION  EVEN THOUGH ITS FROM IDENTITY THEFT SO THEY KEEP VERIFYING IT. I HAVE SUPPLIED MY DL, ID AFFIDAVIT FORM AND A POLICE REPORT AND STILL WONT HELP
Product: Credit reporting or other personal consumer reports

Equifax is keeping me from restoring my life as a victim, I have consulted with an advocacy group who helped me submit documents in order to help with my situation. I am very displeased that Equifax has failed to correct this information. I attest that I am a victim of in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This are unauthorized inquiries along with incorrect addresses and phone numbers. 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
Product: Debt collection

This XXXX has been placed on my credit report I requested the collection agency portfolio recovery to validate the debt The only thing I received was two letters with the same id numbers on the bottom left corner Also the collection agency is not licensed I. The state of New York
Product: Credit reporting or other personal consumer reports

For years now am having problems with identity theft. I have summit disputes to the credit bureaus but got no help.with 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 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 IS REPORTING ME LATE BUT UNDER THE FTCA NO LATE PAYMENTS SHOULD BE REPORTED undr sections 15USC 1666B
Product: Credit card or prepaid card

Disputed Credit Card Transaction on XX/XX/XXXX - XXXX Hotel Reservation {$180.00} Case # XXXX XXXX. I booked a hotel reservation for one night at the XXXX XXXX XXXX XXXX in XXXX, Kentucky for the night of XX/XX/XXXX checking out on XX/XX/XXXX. My company, XXXX, then changed the date of the business travel to the following week for the night of XX/XX/XXXX checking out on XX/XX/XXXX about a week to ten days after the original booking. 
2. I contacted the booking hotel reservation service about a week later on XX/XX/XXXX in an attempt to revise the hotel reservation for the same hotel, same location to the XX/XX/XXXX which my company changed as soon as I received notice. This notice and contact was still at least a month to 6 weeks out from the hotel stay that I was attempting to book/change. 
3. I requested a change at that time on XX/XX/XXXX and when they declined to make the change to the new reservation date, I then requested a full refund speaking to both the call center representative as well as several supervisors to voice my displeasure, the poor customer service, and deceptive practices. 
4. I do not have a documentation to support the terms of the agreement. This was not provided by the vendor. I only received an email with the original reservation details.

5. Provided as available. 
6. I do not have a cancellation confirmation number since they declined during the phone conversation to reimburse me for the charge or change the reservation to the new date. 
7. I do not have a supporting documentation that a credit is due since they declined during the phone conversation to reimburse me for the charge or change the reservation to the new date as per my original and preferred request.
Product: Checking or savings account

XX/XX/2024 is the latest interaction with XXXX XXXX even though I have spoken with a robot on several occasions questioning them as to why XXXX XXXX closed my account with my funds on there and their was never no legitimate reason just saying that I was in violation of the terms of service to why my account was closed which is a lie I never violated any terms, I never could speak with an agent because there are no XXXX number to get in contact with so I lost a {$1000.00} due to me giving my information out and to who knows over this app I have pictures of XXXX XXXX  and I correspondence...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 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.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a letter disputing account ; XXXX XXXX XXXX XXXX and XXXX hard inquiries from XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX  on XX/XX/2021. In the dispute letter I demanded that Equifax comply with Federal Law 15 USC 1681C-2 ( A ) 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, not later than 4 business days after the date of receipt. Equifax received my letter on XX/XX/2021. Today is XX/XX/2021, according to this law Equifax was suppose to block/delete this fraudulent account and inquiries 4 days after the date of receipt. Therefore, Equifax is in violation of Federal Law 15 USC 1681C-2 ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a small business owner, information was reported to the IRS that was inaccurate. When I reached out to cash app/the company to have the info corrected they have not been able to assist me in the matter, they have not been able to verify my identification. Ive asked them to pull my information using my SSN, but they said they cant do that, but they reported something to the IRS under my SSN that was inaccurate. Ive contacted the company on many occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been in contact with someone over the phone as well as support through the app, they are not able to talk to me about my account. Prior to this they closed my account for no reason. I believe they have mishandled my information, and thats why my account was closed. As a result of the information that they provided to the IRS I now have to pay the IRS {$11000.00}. They reported this for the year XXXX which was the pandemic and my business was forced to be shut down for over half that year. I didnt have any income from XXXX XXXX. Cash app reported I made earnings totaling {$27000.00} for that year. Cash app is saying that they can not verify me, the information XXXX giving them doesnt match their records. The info they asked for to verify me is my legal first and last name, last XXXX of SSN number and birthday. Even had to send in a pic of my ID front and back and a selfie of me holding my ID, they are still saying that they can not verify me. I even pulled my bank statements and all the cash app payments for that year did not add up to the number they reported. I believe someone has mishandled my information at cash app and I need someone to speak with them on my behalf, because I am not getting anywhere with them.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries and have no connection to the mentioned creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to respond to my dispute letter sent on XX/XX/2018 within 30 days. I have a copy of the return receipt they signed on XX/XX/2018. The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing the investigation.
Product: Debt collection

Questionable business practices. No statements and no receipt of payment. Excessive amount of interest and fees accessed. 
Attitude and a high level of insolence from the person that I dealt with. Never sent statements and recipient of the payment made. Excessive amount of charges and interest. 
In addition, when I called in for the receipt which they claim was sent on XX/XX/27 from XXXX XXXX to rapid city was not received by XXXX. They mockingly stated they arent responsible for the post office, to which I replied I wasnt claiming that but it only takes 2 bdays to get anything from XXXX XXXX. When I asked for a sup the person audibly laughed at me. I have acr recorder on my phone and have a copy of this conversation and the one I had with sup XXXX who proceeded to tell me received a receipt of payment is a courtesy. I informed her I have a legal right to documentation showing proof of payment she insisted I use my bank statement and I again informed her I shouldnt have to do that and that not everyone that needs the receipt will accept that as proof of payment. She gave me no inclination that she cared one bit about the attitude of her rep. She did state her director is XXXX XXXX. I would like this forwarded to XXXX XXXX. I think its unprofessional and ridiculous that we dont have a way to get a receipt either online or a screen shot at least emailed to us. This is egregious. 
Desired Outcome Fair and equitable treatment from business and complete clarity on the issues of the poor billing practices. I WANT A RECEIPT IMMEDIATELY AND A CALL FROM XXXX XXXX OR WHOEVER THE DIRECTOR IS
Product: Vehicle loan or lease

I purchased a vehicle in XXXX and financed it with XXXX XXXX XXXX. Due to high interest I decided to immediately refinance through XXXX XXXX XXXX XXXX. I received the refinance check from XXXX XXXX XXXX XXXX and due to a lack of knowledge on refinancing, I endorsed the check and deposited it into my personal checking account with Chase Bank thinking I would then pay off the XXXX  XXXX auto loan. I deposited the check in the amount of {$21000.00} on XX/XX/2022. 

The following week my checking account with Chase bank was frozen and I could not access the loan amount nor my personal funds. After speaking with Chase bank I was told the check was not properly endorsed, the account was marked as fraudulent and the check would be declined in 2 weeks and XXXX XXXX could issue another check that I could properly endorse. After 2 weeks of not having access to my personal money the check processed into the account and did not decline as they said it would. My account remained frozen and I could not pay bills, buy groceries, etc.I went to a branch 45 minutes away and they were able to manually withdraw my personal money but the $ XXXX could not be touched. 

I have spent countless hours on the phone with all three banks. XXXX XXXX has washed their hands of the mess and will not verbally endorse the check nor will they accept a form to endorse the check. I have been told by XXXX XXXX I need to resolve the issue with Chase Bank and XXXX XXXX. 

XXXX XXXX has submitted a claim with Chase Bank and has called multiple times requesting they send their money back to them so they can reissue this check but Chase Bank refuses and declines their requests. 

I spoke with a supervisor with Chase Bank for 2 hours today exploring every option and they said the only thing they would accept is verbal consent or written consent from XXXX XXXX which XXXX one will not give. Chase Bank tells me they will sit on the money and not send it back to XXXX XXXX nor will they send it directly to XXXX XXXX and they will not unfreeze the account for me to access the funds. 

All that being said, this has been going on for two months and I am currently paying two car payments a month that I can not afford. Not to mention the amount of debt in my name for the vehicle double loans totals more than I make in a year. My credit score has dropped substantially the last couple months, I've taken a lot of time off work trying to resolve this, the emotional stress has me exhausted, and I am in quite a bind financially trying to pay over {$700.00} a month to two different banks for the same vehicle. I can not go on much longer like this and desperately need a resolution but there is nothing I can do at this point as no one at any of the banks can help resolve the issue.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires on my credit report that I would like removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
BK OF AMER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is regarding Dispute XXXX. I returned the merchandise using the merchant 's XXXX  prepaid return label. XXXX misdelivered/mishandled my return to the merchant and the merchant is refusing to refund despite it being their prepaid return label, they should have to file a claim with their return carrier XXXX and refund me. I submitted photos of the merchandise still sealed in the original box and i re-taped it and attached the prepaid return label exactly as i received it, and i took photos of all that too, showing proof that i did in fact return the merchandise. I also kept the XXXX  drop off receipt and provided that too showing the package weight etc. American Express sided with the merchant I think for discriminatory purposes because I am XXXX they somehow believe the merchant 's story that they received a different item and its somehow my fault. I literally provided photo evidence I returned and sealed the box with the original items from the order inside the return shipping box. The merchant has not provided us a photo of the original box i shipped the items back in, because they or their return carrier have mixed up my return package with another one their warehouse received. The merchants return carrier mishandlig or mixing up or misdelivering my return to them is not my problem, they need to file a claim with their return carrier and issue my refund. American Express has not asked me for any additional evidence and there is not much else I can provide except for photos i already provided proving the items were in fact inside the box that i returned. the disputed amount is {$3700.00}, on Amex account XXXX, transaction date XXXX XXXX XXXX merchant XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Transunion closed CFPB Complaint number XXXX without providing documentation of verification of the inaccurate information.
Product: Debt collection

I am formally requesting an investigation into specific items on my credit report that I believe to be inaccurately reported. This account is causing both financial and emotional distress due to their derogatory nature. The details requiring removal are as follows : XXXX XXXX. This listed item is entirely incorrect and demand correction. According to my understanding of the law, I expect your thorough investigation within a thirty-day timeframe. I anticipate your prompt response. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Product: Debt collection

schlee & stillman a debt collection company by and through XXXX XXXX XXXX, who claims to be representing XXXX XXXX, and put a action in JUDICIAL DISTRICT OF XXXX, which is not the proper venue, and it appears that this " complaint '' was brought by a " third party " for a " alleged debt '' that was not validated or verified, by the alleged " creditor '' or a affidavit of debt, was submitted, after numerous notices of dispute was sent to the third party and XXXX, which was not validated in accord with 15 usc 1692g, or GAAP, as a consumer i never gave consent to contact " the consumer '' as i third party has no authority to do so 15 USC 1692C, XXXX XXXX is claiming to be a attorney without proper Power of Attorney form ( form XXXX ) or a license for a debt collecting company in the STATE of Connecticut, and is using the JUDICIAL DISTRICT OF XXXX, to send abuse communicating in a attempt to get the consumer to default and for the consumer to file for bankruptcy, case number XXXX JUDICIAL DISTRICT OF XXXX
Product: Checking or savings account

I opened my Ally bank in late XXXX. Ally has locked my bank since XX/XX/XXXX, since I tried using XXXX. The agent I first spoke to said it was probably because I have a new account I'm like ok no big deal it will be fixed, it ends up being worse. The first agent claims she can't help me and to wait and restricted my withdrawals. I then called again to speak to a different agent to see if someone else can help, instead, I get met with an absolutely rude and sarcastic guy that went by the name '' XXXX '' from what he told me his name was. He then starts pestering me with a bunch of irrelevant weird questions on why i chose to use Ally Bank XXXX XXXX, like that's a problem, its a bank.I have the RIGHT to use any bank and the features they have all that I WANT. HE then, started asking me questions about who sent me money, and where are they from, and it was just so bizarre and weird because that's not the topic of why I called. He then told me that It seemed like another device accessed my account which ( was my XXXX ) then he proceeded to have this sarcastic voice on and tells me " well we cant close your account the review is going to take 3-5 days. '' Because I told them I want my account closed. This experience has been the actual worst. I call today for an update, and this agent asks me if anyone told me to make an AlLy bank. Like what? NO! These people are treating me like I am XXXX XXXX or something! I also tell her why cant my account be unlocked..? The agent last week said it would take 3-5 days ''. She tells me " I don't know why someone told you that, we cant give you an estimate. '' No bank has ever been this messed up and not true to their word. I have money tied up in here.! Ally 's customer service has been so terrible, and disgusting, agents are sarcastic and weird, and make you seem like you're being questioned by the police. What a joke.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/2017 +/- 1 day ( near XXXX eastern US time ) I logged into my Coinbase account after about 18 months of dormancy. I was surprised to see a message that Coinbase was in the process of closing my account and that I needed to transfer any remaining funds to an offsite wallet. I noted that I had the amount of XXXX Bitcoin in my account. There was no explation as to why the account was closing so I assumed it was because I had n't used it for some time. 

I went to XXXX where I have an account and obtained a Bitcoin deposit address that I copied and pasted to the send to box where I wanted the residual Bitcoin funds sent to. I pushed the transfer button and got a message saying the transfer was successful and then another immediately after saying my account was now closed. 

To date, the funds have not been received into my XXXX account. I tried numerous times to contact Coinbase. In one case I was able to speak to a customer support person who told me they would escalate the matter to an accounts payable analyst and confirm that with an email to me. I never received an email or any contact with Coinbase. I also contacted XXXX customer support who said it did n't appear Coinbase ever tranmitted the exchange.

I have screenshots of the address where it was to be sent to. I tried calling Coinbase many times, opened numerous support tickets, all to no avail.