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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$3900.00}, {$2200.00}, {$1200.00}, {$700.00}, {$1100.00}, {$2800.00}, {$930.00}, {$18000.00}, {$4300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account. 

6. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

10. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with ACS/XXXX, XXXX XXXX   XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ACS/XXXX, XXXX XXXX   XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit card

Was not receiving my Am Ex bill from local PO, which has been another problem in itself. Called AM Ex XX/XX/XXXX - was told I would be billed minus extra fees and charges. Charges totaled {$99.00} w/o fees. Received the bill, plus fees and charges for {$290.00}. on XXXX - called again on that date, and told again I would receive a bill for actual fees only by XX/XX/XXXX. Today is XX/XX/XXXX and I have not received a bill, and can not reach the company : they hang up on you now after you input your info using the keypad, same is you follow voice cues. I find this is a new thing companies are doing now - just hang up after asking for manual or voice inputs. Essentially, can't get ahold of companies now. Nice! 

Anything you can do to expedite this problem I would very much appreciate. This has RUINED MY stellar CREDIT rating. 

Thank you for any help you can provide. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been attempting to resolve an issue with my Coinbase account since XX/XX/2024. My account, which holds a substantial balance, was restricted without a clear explanation or a timeline for resolution. Despite numerous follow-ups via emails and social media, I have not received any substantive guidance or updates on how to access my funds or transfer them to my bank accounts. 

Key dates and actions include : XX/XX/2024 : Reached out to Coinbase, explained my situation regarding the account restriction. Received a promise of follow-up. 
XX/XX/2024 : Provided my email address as requested for further investigation. 
XX/XX/2024 : Notified by Coinbase that my account no longer meets their service requirements and that they would follow up with information on how to reclaim my funds. 
XX/XX/XXXX & XXXX, 2024 : Sent follow-up emails requesting specific guidance on transferring my funds, without receiving any response. 
XXXX XXXX & XXXX, 2024 : Continued to seek updates due to the lack of response. 
XX/XX/2024 : After multiple unresponded outreach attempts, escalated the issue publicly through social media and directly to senior contacts within Coinbase. 

Throughout this process, I've emphasized the urgency of my situation and the impact on my financial planning. The lack of transparency and responsiveness from Coinbase has compounded the distress and inconvenience caused.
Product: Debt collection

My car was damaged severly, I made the decision not to repair car or report to my ins.co.the car was picked up less then 24hours after accident.when my towed truck went to pick up vehicle, the vehicle had been picked up by another towing company.Ally Fin. [ title holder ] contacted me around XXXX and asked me what was my intentions on picking up car, I advised them that I no longer wanted the car and I would continue to make ontime payments as agreed until paid off.I was advised by them that I would not be allowed to make online payments in the future and would have to XXXX XXXX payment.When I called on XXXX to get info on making XXXX.payment, I was advised that car had been repo from junkyard and I owed additional fees.At this point I did get a little upset and XXXX.payment was late maybe about 12 days.My complaint is I have a Repo on my credit report, also co-signer has repo on his report, I feel I didnot break agreement with Ally in any way, car was insured, not behind on payments ( I am still making ontime payments, If I was advised upon first phone call from Ally, that I would need to pick up car from towing company or I would face repo, I would gladly have done so, I would like to payoff original amount which is around $ XXXX.as of today and have repo removed from my and co signer credit report upon final payment.I am not behind on payments to this day.Your help in this matter is greatly appreciated.XXXX XXXX
Product: Mortgage

in a letter dated XX/XX/2020 you state details of your Forbearance Plan yet it fails to in " bold lettering '' identify the commencement date of this document, i have written two letters to your COO in reference to the inadequate information Bayview is sending to the mortgages it is servicing and the COO has refused to respond in violation of the law. Please make your Senior staff including but not limited to Bayviews president, " new '' COO and CFO send a proper letter that complies with the law with the correct required detailed information, if this inadequate format is being used please resend the proper formatting to all the customers you are servicing. 
As of XX/XX/2020, approximately 20,000 residential borrowers were on an active forbearance plan out of the 152,353 residential mortgage you are servicing why are only 13 % of the borrowers allowed forbearance? Are you Bayview proceeding with foreclosures? Are you continuing to post fee to borrowers during this time? Since XXXX is no longer with you i advise you verify the aforementioned information notify management and take it as notice that you Bayview are not complying with the current forbearance laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account for CAPITAL ONE AND XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

46.0K
Product: Debt collection

On XX/XX/2023 I was contacted by XXXX about a debt I had owed. They provided an option to pay for {$340.00} by XX/XX/2023. Upon verifying and logging into my account on XX/XX/2023, the only option was to pay {$550.00} as a bait and switch. No other amount options were available.
Product: Debt collection

I have 2 debts that should not be on my account. The first one is XXXX XXXX. Originally XXXX XXXX. Its 4 yrs old and was closed a year ago and is a charge off. This new debt company reopened it and it got deleted off XXXX  and XXXX. Now its back on XXXX and XXXX. The next one XXXX XXXX XXXX. That one needs to be deleted too. Its been deleted off my XXXX but not the other 2. ( XXXX and XXXX  ). I am trying to clean my credit up to buy a house and I cant when these people keep  adding them after theyve been closed and deleted! Please help!
Product: Student loan

To whom it may concern : I have student loans with XXXX ( lender : XXXX XXXX XXXX XXXX NELNET ( Nelnet Education XXXX XXXX XXXX Guarantor is XXXX XXXX XXXX ) the loan number is XXXX. 
I have been paying on my loan since XXXX, I have the following problems : 1 ) My balance remains almost the same. I have been trying to speak with a manager at XX/XX/XXXX which is almost impossible to discuss my problem. My full amount owing {$20000.00} give or take. I have been making payments since XXXX and there records show me making the following ( Payment / Principal / Interest 2 ) My Payments are due the XXXX of every month ; however I usually make my payments as soon as my statements become available usually 5 days before month end. I had signed up for automatically payments but if I did that by the time it got processes the whole payment would be applied to the interest and almost nothing to zero to the principal since I work in in financial institution this makes no sense to me. I tried to contact and have an amortization table but I had no luck getting it. 
3 ) When I make a payment the principal and interest rate which is 4.75 % is applied different each month.

4 ) I am also unsure of when my loan will be paid off since the balance does not change and I am unable to speak with someone.

5 ) There site is not user friendly, I am unable to locate a main person XXXX to assist. Customer service is very limited. 
6 ) ACS website allow me to see the total payment and before it was transferred to Nelnet I had requested to see all the payments onXX/XX/2017 but they had denied. 

In conclusion, I have being paying my student loans since XXXX but my balance is about the same. Since, I am in finance I wanted to see an amorization table where I can see how my payments are being applied to the principal and how much interest I am being charged each month. I have to get rid of the automatic payments or almost my whole payment will be applied to the interest so I always pay as soon as the new statement is available so my payment at least half of it or so it's applied to the principal of my debt. 

I had asked for the detailed statements to XXXX and Nelnet and received very vague answers. 

I hope someone can help.
Product: Debt collection

In XX/XX/XXXX, I received an alert from the credit bureaus that AssetCarellc flagged my account as collections. I have continually requested for this company to verify the debt to which they never have via mail in 2020. They would remove it then months later it would reappear. I'm disputing due to the fact that the hospital acknowledged that the charges were incorrect and processed my insurance XXXX XXXX XXXX. However a collection agency is trying to collect on an already paid account. I then dispute it with XXXX  requesting a detailed outline of billing to which they neglected to provide. They just updated the account within 36 hours with no proof or verification.
Product: Debt collection

Debt was satisfied with the original creditor in full for XXXX . Attached is verification of satisfied debt.
Product: Debt collection

A company called collection receivables inc. of XXXX Georgia called me for the first time on XX/XX/2023. They informed me of an outstanding debt and I simply told them that I do not agree and the woman insisted that she was right and I was wrong and she did so in an aggressive manner. I ended the call because I knew that I would have to deal with the issue another way. The next day, XX/XX/2023 I get a call from the same company but from a different number. Not wanting to deal with their aggressive attitudes I ignored the call. The same day since they were unable to reach me on my cell phone, they called my job asking for me. I told them that I did not agree with what they were calling about but they have continued to harass me not only on my cell phone but now calling my job. This is unacceptable.
Product: Mortgage

Wells Fargo stated that they sold the loan for my property effective XXXX/XXXX/2015. They claim the loan was transferred to XXXX Mortgage. I called XXXX Mortgage several times and they claim, the mortgage has not been transferred to them. XXXX Mortgage was the previous servicer of my loan. I did not receive any information regarding a loan transfer. Today, Wells Fargo confirmed that they have my correct address, in XXXX. The representative from Wells Fargo stated a letter regarding the transfer, to XXXX Mortgage was sent to a different address in XXXX. As of today neither company is accepting the XXXX 2015 payment for the loan. My primary concern is that no 30 day late payment is reported on my credit report.
Product: Credit card

I originally applied for a Chase credit card on XX/XX/year> because I received an email offering me XXXX points with XXXX XXXX. On XX/XX/year> I was asked to provided additional information which I did. After receiving no update for weeks, I reached back out the Chase and was told on XX/XX/XXXX that they needed additional information to provide my identity and my address. I advised them that I had already done this and was told because it was a black and white copy of my drivers license that was faxed it was not a good enough quality of a picture for them to use. On XX/XX/XXXX I took a colored snapshot of my license and uploaded it to an email back to Chase. On XX/XX/XXXX I called XXXX and spoke with XXXX and was told she was sorry but Chase was not able to verify my identity from the XXXX  State issued drivers license that included my picture and all the normal data on a drivers license. This was listed as one of the acceptable documents to provide. I have XXXX debt, a XXXX score over XXXX and an annual salary over {$100000.00} per year so there is no reason I was denied the card. I have one credit card that is paid to XXXX multiple times a month to ensure I never pay interest and have had this card for many years. I do not wish to reapply because the sole purpose of applying for this card was to receive the XXXX points with XXXX XXXX. My application reference number for the application is XXXX. If you need a copy of my passport, then please let me know but I feel I have done everything I have been asked to due and I would have never received any feedback unless I reached out the the company. I never received feedback until after each time I called to inquire what the delay is. I am insulted to be denied this card after receiving the offer and having the immaculate credit that I take pride in having and my debt to income ratio is excellent. I am asking you to pull my declined application and approve it. I am happy to provide any additional information you wish to receive all you have to do is let me know what else you wish to see. I am not interested in reapplying and not receiving the promotion of the XXXX XXXX XXXX points that would totally defeat the purpose.
Product: Money transfer, virtual currency, or money service

Zelle didnt provide a warning prior to sending money.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXXXXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX XXXXXXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my Account # XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX  XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax today to temporarily lift the freeze on my credit profile so I can open a new bank account. Their automated phone system denied me access, and then their XXXX call center refused to help. I have the 10-digit PIN issued to me at the time of the freeze, but that is no help.
Product: Debt collection

American anesthesiology of nj pc illegally provided my persona medical information to an entity claiming to be an attorney office, Schachter Portnoy, llc. When I got on the Phone to discuss a payment arrangement I found out that they 'd used a communication tactic and that I was actually speaking with a debt collector. The gentleman on the phone identified himself. I feel.violated by this and hence this complaint. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not.give permission to any of my current or prior medical providers to release any information to a third party. I am.aware that Hipaa does allow the release of limited information about me but anything more is only to be revealed with patients authorization.
Product: Debt collection

MCM CONTINUES TO REPORT A DEBT TO CREDIT REPORTING AGENCIES THAT HAS BEEN DISPUTED PER : Title IV of the Consumer Credit Protection Act. Section 401
Product: Checking or savings account

I had ordered XXXX  through their app and received the incorrect order. XXXX stated the store doesnt have access to the app and to reach out to make bank and dispute the charge. So I called Discover bank and they tell me due to regulation E they can not file a dispute. They said if I order something and its incorrect or i dont receive it Im just screwed out of my money. This doesnt sound correct and after reading regulation E it provides protection to the consumer not XXXX them over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB representative, According to my Experian, XXXX and XXXX Credit file I filed for bankruptcy. Before this FALSE INFORMATION was reported, my credit score was a 700+ and my balances were very low. I wasnt having credit issues and no need to file for bankruptcy. However, someone elses bankruptcy is being reported on my credit file. As you can imagine this has drastically impacted my credit score. After speaking with a representative from each company I was advised that the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is where they received this false information about a Bankruptcy. However, when I reached out to both of these agencies they either told me that they couldnt find my information or that the bankruptcy had been verified ( They never sent me any proof of verification ). Moreover, XXXX has completely ignored my request to tell me where they received this false information and to remove it. Even after I gave them proof ( letter from the bankruptcy court they have listed on my credit reports ) that they made a mistake and must remove it from my credit report. 

Frustrated, I decided to contact the Bankruptcy court, and they informed me that they do not provide anyone with a debtors full social security number, and they do not perform any activities with the credit bureaus. They also stated that they couldnt find the case name or number. I have attached documents of proof to this letter. CAN YOU PLEASE HELP ME RECTIFY THIS MATTER. My credit score means everything to me and this issue has really set me back. 
Sincerely, XXXX XXXX
Product: Checking or savings account

i have chime bank and i was hit with fraud from an outside source. after the first one they let me know they have secured my account and it would not happen again. it happened two more times within two days i let them know none of these charges are me that there is only one use on the account and these charges are not coming from me or any of my devices or phone number.. the crazy thing is if i try and get in my account it asks me all kinds of questions but it just lets other people right in to do as they please. now the bank came back and did they see no wrong doing and cancelled my claims i had to get a supervisor in it to re open the three claims.. pure stupid the whole company and the last charge i didn't eve have the funds and they still let it happen i just don't get it
Product: Credit reporting or other personal consumer reports

Westcreek dba koalafi Reporting incorrect information on my reports violation of FCRA Westcreek dates and account information are incorrect Social security number incorrect Address incorrect