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

I went to XXXX XXXX XXXX  XXXX in XXXX NY on XX/XX/XXXX. They charged me 3 times of which XXXX charge has been resolved and XXXX of these charges is the legitimate cost of the income tax filing. Each charge is for {$230.00}. Currently, XXXX charges of {$230.00} each were charged on XX/XX/XXXX, an additional charge of {$230.00} was again charged on XX/XX/XXXX. XXXX of the XX/XX/XXXX charges is correct, the other XX/XX/XXXX charge has been issued a temporary credit from Bank of America. The XX/XX/XXXX charge of {$230.00} is still standing and Bank of America refuses to issue the credit. I have resolved the charges with XXXX XXXX XXXX XXXX ( both in person and over the phone ). Bank of America has advised the credits are inside the bank at this point but they just keep saying it will come through and it does not. I have spoken to XXXX representatives over the phone at Bank of America. The local bank advised they could not make an in person appointment. Now, Bank of America has advised that my dispute is resolved, but the additional {$230.00} charge from XX/XX/XXXX still stands. The bank has advised there is nothing more they can do. I feel taken advantage of and mislead.
Product: Debt collection

On XX/XX/2021 I received a debt collection letter from I.C. System, Inc. 

On XX/XX/2021 I wrote to I. C. System, Inc. not to call or mail me any further collection debt stuff, that it will be considered harasment. I mailed the letter on XX/XX/2021. 

On XX/XX/2021 at XXXX XXXX from the number XXXX, the male representative stated that he was trying to collect a debt for I.C, System, Inc. I told the guy that I wrote a letter to his company on XX/XX/2021 to not contact me further via, phone or by US Mail, that it would be considered harassment. He stated that his company doesn't have a letter in my file regarding this info. 

XX/XX/2021 after the phone call I wrote a letter telling I. C. System , Inc. not to contact me again via, phone or by US Mail. I will mail the letter via, Certified US Mail, Number XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was shocked to see unauthorized inquiries on my credit report this morning, which is something Ive never encountered before. Despite refreshing my browser to ensure it wasnt a glitch, the issues persisted. I am demanding that the documents I provided be thoroughly examined to put this unsettling issue to rest once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get my credit report from experian
Product: Debt collection

I just wrote paragraphs of everything tht has happened to me and is a little better but my tumors are rare XXXX in XXXX & XXXX in XXXX. I had XXXX XXXX ( emergency ) XXXX XXXX cuz I was goin XXXX again frm XXXX much fluid building on my brain a XXXX  XXXX  was placed but also it had FDA Class 2 recall on it thts made my life worse including both tumors. I was declared incompetent & my father was my payee for a while until I started to learn all over & was told I wld never work again. I have had home health agencies since then. I have a state brain waiver but now I'm not declared incompetent they just push for one of my family to be over me. All this is documented can be confirmed & I will now just wait to die. Another one of identity theft recovery just ended again last month. I have been scammed & not understood, I have been told & shown my info was on the Dark Web which I know nothing about except it's a bad place to be. I can barely handle one bank card let alone anything past tht. But i.didn do this but if it is still insisted I pay I can't pay more than XXXX $ a month due to my income of social security disability. U can get or have any document I have to explain my whole condition & I still have home health 5dys a week 8hrs a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and was also in the Experian Data breach. I recently printed a copy of my credit report was distressed of the inaccurate information that is reporting on my report. There were a few accounts on my report that I was unaware of and did not authorize as follows : XXXX XXXX XXXX acct : XXXX XXXX  XXXX XXXX  XXXX acct : XXXX XXXX XXXX  acct : XXXX XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX This company also has my name as XXXX XXXX when that is not what is on my identification. 

These companies have nothing barring my signature for accounts. I have attached FTC report pertaining to these false accounts.
Product: Money transfer, virtual currency, or money service

After opening my trading account with Coinbase , Inc online inXX/XX/XXXX, I wired {$15000.00} onXX/XX/XXXX to Coinbase, Inc account at XXXX XXXX XXXX  for my digital currency investment. On Coinbase website coinbase.com, this company never tells any investors that there will be a problem with their wire deposit before anyone initiate a wire transfer. However, after over 80 days, I have never received the $ XXXX wired money to my account with Coinbase. I called almost every week to Coinbase to speak to their customer supports. But Coinbase has never done anything to resolve my problem. I went through the Coinbase XXXX of no support, no answers.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 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 item 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: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain concerns regarding the reporting practices of consumer reporting agencies, specifically XXXX, XXXX, and Experian, in accordance with the Fair Credit Reporting Act ( FCRA ). As well as the Furnishers of Information to the Credit Agencies in accordance with the Opt Out Laws
Product: Checking or savings account

I have been denied bank accounts as several institutions from XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. They also said this as a result of a check systems report they were provided at the time of application with their institutions for the account. Subsequently I have contacted ChexSystems who is the reported furnisher of the information and was told that they have no record of save report and produced to me what they have and allegedly what they have provided to any corporation for a company requesting information about me and my banking habits. The report that I was sent reflects no information specifically no negative information. If the corporations that I have applied for banking accounts with have all stated they received this report from check systems in which they based their decision whether or not to do business with me in checks is denying having reported negative information Im unsure of who it would be more beneficial to tell the lie. All I know is Im unable to open a checking account as a result and check system has been cited by many companies as being the reason
Product: Credit card

Me and my husband, had checking account and credit card with the Citibank at XXXX and XXXX XXXX in XXXX XXXX. 
They allowed to my husband to send maximum {$10.00} per month to XXXX. 
He had building a three stores building in XXXX, he explains to the Citibank, On month he asked to me to sent 2 times XXXX dollars from my own checking account, to the contractor in XXXX, and then the manager closed my husband accounts and mine too. 
After that many stores like home depot and Macys closed our accounts too. 
I went to the bank one day and ask for that and they told you need to call. When we try to call to the bank nothing happen. No body gave any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit management is collecting for XXXX  XXXX  company, back in XXXX my personal information was stolen, i left XXXX  with a XXXX  balance, however i believe after i moved out that some was still using my cable service in my name, see attachment i filed a police report with identity theft ... 

XXXX  XXXX  credit card, i have closed that account and paid it off, its a a XXXX   balance uplift, i was never late, this website had system issues, and virus issues, the company software was defected preventing me from paying with my personal checking account, and the company would not take my credit card pmt as well, to my understanding i thought i was current and update, i was shocked when i found out that my pmts was being rejected, when i found out i instantly paid and brought current
Product: Credit reporting or other personal consumer reports

I am listing 2 inquiries fraudulent from my Transunion Credit ReportXXXX XXXX  XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Money transfer, virtual currency, or money service

I AM REWRITING THIS ENTIRE SECTION AS THE PERSON WHO TOOK IT DOWN INCLUDED A NUMBER OF ERRORS. 

I am filing this complaint due find Schwab being unable to find the transfer of monies. On XXXX XXXX XXXX XXXX was transferring XXXX ( SEE BELOW ) from his bank XXXX XXXX in XXXX to Charles Swab and company and it has been lost since then. I have contacted my bank AND each time I call I get a different story- the latest is it is stuck in XXXX. SCHwab uses XXXX when SCHwab received he money they did not allow the transfer and they SAY THE other bank says it was never sent back. The account is XXXX at SCHwab and the money is no where to be found. XXXXXXXX XXXX was trying to put it in XXXX which is my CHECKING account. To date NO one can tell me where the money IS AND none of the people involved have thE moneys. 

XXXX HAS ASSIGNED AN INCIDENT # XXXX THIS IS A CORRECTION TO THE ORIGINAL COMPLAINT. THE PERSON TAKING THE COMPLAINT TYPED THE INCORRECT AMOUNT AS WELL AS BANK NAME. 
THE TRANSACTION WAS FOR XXXXXXXX XXXX NOT XXXX. ALSO THE BANK IS SCHWAB NOT XXXX
Product: Mortgage

I purchased my residence in XXXX. My first mortgage was with XXXX and the second mortgage was with XXXX as well. XXXX purchased the HELOC from XXXX XXXX XXXX, who had purchased it from XXXX. I then fell behind on the payments to my HELOC in XX/XX/XXXX or XX/XX/XXXX. Specialized Loan Servicing , LLC, who was servicing the loan on behalf of XXXX sent a me a pre-approved package for a loan modification dated XXXX XXXX, XXXX. The instructions stated that if I agreed with the terms, I should sign and mail in the agreement along with a payment. I signed the XX/XX/XXXX agreement on XXXX/XXXX/XXXX and sent in to SLS along with a cashier 's check for XXXX. Thereafter I noticed a vague term in paragraph XXXX of the agreement. I then contacted SLS about the vague term ( no indication of what will happen after 17 years, what the balloon payment would be at the end, amount of payment, etc ). SLS told me that they would send an updated agreement. SLS followed up by sending me a letter dated XXXX/XXXX/XXXX with an updated paragraph XXXX and then followed up with a revised agreement. I was making payments as per the terms of the first agreement I signed. I waited for my loan modification to be processed but I received no word from SLS. I contacted SLS XX/XX/XXXX regarding the status of my loan modification. They had no word still. On XX/XX/XXXX I received another pre-approved HELOC loan mod agreement asking me to sign and send back with payment. I again contacted SLS and they told me that if I sign this new agreement, it would supersede the agreement I had already signed and all the payments I had been making would apply to this new agreement and that I would not have to send in a new check. So I signed the enclosed acknowledgment and sent it back to SLS. Even after this, I heard nothing back from SLS regarding my loan modification. I have called SLS more than 150 times regarding my loan mod. They do n't know what has happened to my loan modification even though I have been making payments as they asked. 
Again in or about XXXX SLS sent yet another loan mod agreement ( proposal ) which does n't reduce the principal or the payments. When I contacted SLS they told me that they no longer have a loan modification program to offer me even though I signed and sent back the agreement and made payments on the agreement. Now I am facing the real possibility of a foreclosure.
Product: Credit card or prepaid card

I paid my Sam 's Club Synchrony XXXX bill in XXXX, XXXX, and additionally canceled the card in writing, sending that with the bill. 
That bill was late, due to address changes & mail issues, and so I paid the late fees, canceled the card again in writing, and again, gave my updated address. 
I received a letter from Synchrony in XXXX, XXXX, stating they received the address change and updated my information. 
XXXX, XXXX, I was billed the annual fee for the card, so I did not pay the bill and, wrote that this was the third time I've told them to cancel the card. 
I have not used the card since XXXX, XXXX, and have " chased '' their fees ever since. 
They obviously changed my address, and when they said they updated my account in their letter noting such, I took that to mean that they canceled the card. 
Now they continue to bill the $ 100 yearly card fee, along with late charges from my refusing to pay the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive provided more than enough on my other applications this has been on my credit for a while and I need them taken off.
Product: Credit reporting

After complaining to both XXXX XXXX ( XXXX ) ( formerly XXXX ) about how they wrongfully booked their payments for XX/XX/XXXX and XX/XX/XXXX late and reported to Equifax. They corrected and took off my credit record, but then miraculously the next year changed the so called late payments to XX/XX/XXXX and XX/XX/XXXX. This is follow up on former correspondence and payments that were and still are falsely reported on my credit reports with all agencies. The accompanying literature documentation shows the gross mishandling of credit reporting and devious and false representation. 
Under my rights of the FCRA I demand you immediately take off all negatives regarding my reporting to credit agencies, all of them. You can readily see the gross conduct in mishandling payments and reporting by the inclusions. 
1 ) Letter to XXXX on XX/XX/XXXX 2 ) Follow up letter to that letter on XX/XX/XXXX 3 ) Credit report XX/XX/XXXX 4 ) Credit report XX/XX/XXXX 5 ) Credit report XX/XX/XXXX You can readily see that at one time XXXX reported me never late to XXXX on XX/XX/XXXX. Yet in same month XXXX to Equifax and XXXX I was late on XX/XX/XXXX and XX/XX/XXXX for 30 days. After I sent in complaint letters and many credit reports later it is indeed off for that XX/XX/XXXX and XX/XX/XXXX mentioned above, and miraculously now it indicates I was late XX/XX/XXXX and XX/XX/XXXX instead.
Product: Credit reporting or other personal consumer reports

There are inaccurate late payment remarks on my accounts even though I have never been late for them. Please check the documents I've sent regarding these inaccuracies.
Product: Credit reporting or other personal consumer reports

My information was bought and sold illegally by Equifax without my permission, I was also a victim of the Equifax data breach. I want these items Deleted from my consumer credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to correct this. Please help me delete these illegal accounts from my consumer credit reports. 

Negative Reports as follows : XXXX XXXX XXXX XXXXXXXX -- - Account No. XXXX XXXX Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXXXXXX XXXX -- - Account No. XXXX  - Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX - Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX Charge-off. 
XXXX -- XXXX Account No. XXXX - At least 120 days or more than XXXX payments past due. Note : XXXX has removed the account number from the record. 
XXXX XXXX- - Account No. XXXX  At least 120 days or more than XXXX payments past due. 
XXXX XXXX -- XXXX Account No. XXXX  - Note : XXXX XXXX has removed the account number from the record. 
XXXXXXXX XXXX XXXXXXXX -- - Account No. XXXX  Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. 
XXXX XXXX XXXX -- - Account No. XXXX  Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXXXXXX XXXX -- - Account No. XXXX XXXX Accounts : XXXX XXXX XXXX. -- - Account No. XXXX XXXX XXXX XXXX -- - Account No. XXXX XXXX XXXX XXXX -- - Account No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been dealing with this issue now since XXXX & have yet to receive a resolution. i filed a dispute with all 3 credit bureaus in regards to 3 late payments on my XXXX  XXXX account. XXXX  did not respond within their 30 day time frame so all 3 bureaus deleted my healthy tradeline that i had for 4 years & have paid off to a zero balance. I have spoke to XXXX XXXX executive office who claims that they are working to fix the issue & it has been months & there is still no resolution, XXXX XXXX is fully aware that a resert needs to be submitted to all 3 bureaus so my account can start reporting again. this is my last resort i made a complaint with CFPB over a month ago & the FTC & they was instructed of what to do & nothing had been done.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issueS, such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where experience has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law and rights as a consumer.
Product: Credit card or prepaid card

I am a XXXX and have clients in XXXX that I've sold many XXXX to and am in a XXXX  XXXX position in terms of getting XXXX, XXXX and getting the XXXX to XXXX XXXX conditions. 
I hired XXXX XXXX XXXX to clean a vacant 1100 square foot condo that tenants left in very poor condition. A cleaning person that normally cleans occupied homes would not be able to handle the task. The vendor quoted me $ XXXX/hr for 2 people to clean. I agreed knowing that the price would be higher than average. I estimated 2 days cleaning of kitchen, 2 bathrooms and laundry room. 
XXXX XXXX XXXX said he wanted a credit card and I told him that I would pay him at the end of the job as I do with all my tradesmen. He insisted that he keep a card " on file ''. Since I've hired him before and he was cleaning for my good friend then, unfortunately I trusted him. However, in my mind he was keeping the card on file as a security deposit as a hotel, or car rental company does, in the event he doesn't get paid. 
I was leaving for vacation so I agreed to it. 
XXXX XXXX XXXX also informed me that he does " handyman '' work so while he's there he can address some of the items, to which I agreed since he would already be on the property. He told me $ XXXX/hr for 2 men. Again I trusted him. 
I didn't have an alert option on my card at the time and wasn't aware that he was placing enormous charges on my credit card without my knowledge and without consulting me while I was out of town. 
So the bottom line is that he placed {$4800.00} on my card. I cancelled the card when I discovered this. After much back and forth with MasterCard ( Capital One ) taking the charges off and putting them back on they sided with him. I gave them over 20 pages of documentation including other similar vendors estimates for the work and they only went with him providing the bank a copy of my text to him that the owner has agreed to the {$75.00} and {$65.00} per hour. He sent me a computer printout only ( not an itemized invoice ) that totaled 97 hours. 
I have hired an attorney to deal with him however as of this writing nothing has been resolved with the charges just back and forth letter communication. 
Florida Attorney Generals Office who also received a complaint from me suggested I also get in touch with you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Experian that was issued by them on ( date you received the letter from Experian ) that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.