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

We were scammed by a company that supposedly fixes medical instruments. We sent in a XXXX XXXX XXXX and paid {$1400.00} to have it repaired. It was not fixed and was leaking even worse when it arrived. The company states that they have a 180 day warranty which they have not upheld. They have not offered any solutions and have ceased all contact. We reached out to our bank to report this fraudulent charge but because it is ACH they have not offered any solutions.
Product: Credit reporting

I paid already an account and they said I did n't pay and reporting late paid
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this incorrect and is messing up my livelihood XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in reference to my credit report, which contains several items that are incorrect or questionable. As per the Fair Credit Reporting Act ( FCRA ), I request that you take appropriate action to investigate and correct these errors immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX - This address belongs to someone else. Please remove it from my report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Please remove it from my report immediately. 

XXXX XXXX XXXXXXXX Account Number : XXXX  This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXXXXXX Account Number : XXXX  This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX Account Number : XXXX This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX Account Number : XXXX This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I have carefully reviewed my credit report and can confirm that the above-listed items are not accurate. As per the FCRA, I have the right to request that you remove any information that is inaccurate or incomplete. 

Please note that I would like to receive a written confirmation once these items have been removed or corrected from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This company XXXX XXXX XXXX also operates as Resurgent Capital Services and they respond to me as Resurgent Capital Services, but the credit report states they're XXXX XXXX XXXX. 

I've asked several times to show me proof that they have my signature on file and can validate this being my debt. All they show me is a statement they have bearing no signature whatsoever and I've been communicating with them for months. 

Yet again, time after time, they've failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I am asking for the description of the procedure used to determine the accuracy and completeness of the information they say is my account. It is not and they fail to provide me with any credible evidence bearing my signature. 

Additionally, I want the name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Again, I am formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount of {$700.00}. 

The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. 

Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. 

Please advise immediately how you expect to proceed.
Product: Money transfer, virtual currency, or money service

I sent money to Coinbase Inc to purchase virtual currency, and to that point it 's worked fine. I now wish to withdraw funds but they have not validated by bank account to make the transfer back to me. 

To validate they require you to send a SEPA transfer of at least XXXX euros, and they say they will validate your account within 2 days of receiving the funds and then you 'll be able to make withdrawals. 

I sent the SEPA transfer on XX/XX/XXXX, I received an email from them confirming their receipt of the funds and it 's currently showing in my Coinbase wallet as received, but they have still not validated my account, so I still can not withdraw funds. 

I 've sent 2 customer service requests to them with issue numbers : # XXXX and # XXXX. But to date they have not responded. I 've tried contacting them by twitter too but no response.
Product: Debt collection

On or about XXXX XXXX, 2015, I was served a summons in regard to a default on a loan in the amount of {$3500.00}. The summons which was stamped filed on XXXX XXXX, 2015, did not provide an attachment of any valid legal contract evidencing the debt, with the original date and terms of the debt, with my personal signature on a contract of this alleged debt. 

I have never personally applied for, nor have I ever signed a contract with Republic Finance LLC for a loan of this alleged debt. 

On XXXX XXXX, 2015, I have written Republic Finance LLC in regard to my dispute and validation of the debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and have requested that Republic Finance LLC provide me with competent evidence that I have any legal obligation to pay them by providing me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with a copy of the contract that show I agreed to pay what is claimed I owe ; Identify who is the original creditorThis request is being made within 30 days due to a summons filed on XXXX XXXX, 2015. I 've requested under the Fair Debt Collection Practices Act, 15 USC 1692, that Republic Finance LLC, cease and desist all debt collection activities until it validates this alleged claim. 

Furthermore, upon review of my credit reports, Republic Finance LLC is reporting this erroneous debt to various credit bureaus as well, in Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of CharacterI further request that Republic Finance LLC, in addition to cease to and desist any collection activities, withdraw any court filings, and remove this erroneous item and update my credit report as soon as possible. 

Thank you for your time and consideration in reviewing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter to transunion via certified mail in which they have received about fraudulent inquiries on my account. Til this day transunion havent updated nor removed the information. Ill attach letter for further review. And if updated Id like to know the people in whom transunion spoke with specifically to verify these inaccuracies. If not I will be taking legal action.
Product: Credit reporting or other personal consumer reports

he List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

Credit Card through Zales, card issued by Comenity. 

I had a issue with a promo not being applied correctly and the one applied was not the correct one that was supposed to have been applied. Comenity did not notify me of the incorrect promo and that it was expiring until after the fact. E-bills and Paper bills were not arriving to my email and my mailbox. I had complained about both before and was pretty much told 'not our problem '. When I challenged them about these issues on around XX/XX/XXXX, they responded by locking me out of my account and would only let me make payments over the phone under the condition I was changed a payment processing fee. I refused and they hung up. I attempted to contact them again over the next 6 months when for some reason, back in XXXXXXXX XXXX XXXX my account became unlocked and could make payments without the need of a payment processing fee. As of today, XX/XX/XXXXXXXX  I called in to have those fees and charges waved for non-payment on the account they would not let me make payments unless I paid a payment processing fee and called in. They waved one late fee and then proceeded to tell me " There is nothing else we can do ''. The account was paid in full today and I am not satisfied with how they handle this account and how they were charging me fees with no way to contest or resolve it unless I paid even more money to process payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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: Credit card or prepaid card

Hello. I have a huge issue with Chase Bank after the inhumane, immoral, and likely illegal activity that they pulled with my account. To make a very long story short, I have been a loyal Chase customer for many years. I have never missed a payment, never been late on a payment, and even paid my balances greater than just the minimums. Roughly a month or two ago, I had an outstanding credit card balance of about {$25000.00}, on a credit card with a limit of about {$30000.00}. After months of putting money together, I was able to make a total payment on my card, basically paying it down to nothing. The next thing I know, Chase takes away my credit line, decimating it from {$30000.00} to {$700.00}. Chase took 99.9 % of my credit away after making a payment in full. When I asked them about this, they said that the large payment triggered an account review, where they felt it was OK to get rid of nearly all of my credit. Not only did this make things increasingly difficult during a pandemic no-less, but they offered no assistance in making things right. Nothing. They were happy to see me leave after I made a major payment to them. I would like this instance investigated to find out exactly what they did and if it were legal to make a unilateral decision like that, without any notification. There is no doubt that to Chase I am just another number to them, but what they did was very questionable to say the least. Even asking to speak with supervisors, they brushed me off and basically told me to leave. Is there anything that can be done here? 

Thank you very much!
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach, and the following accounts and inquiries have been fraudulently added to my credit file without my authorization. I am requesting that these items be blocked and deleted from my credit report as required under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : 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 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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. $ 1681c-2 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 alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains an mortgage account from Ocwen / XXXX XXXX  which I have contacted Ocwen and they confirmed is NOT mine. However, they will not inform the credit agency of this, despite me escalating and providing them the information. 

I have also contacted the credit agencies multiple times on this, and it continues to remain on my account, without explanation or evidence that the account belongs to me. 

This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. 

Thank you for all your help.
Product: Checking or savings account

Last week I went to the movie theaters and I tried to make a purchase to pay for my popcorn, and I noticed that my debit card declined. I looked at my checking account and I saw that I had adequate funds but then I noticed at the top it says that my account is frozen from my protection, and to contact customer service, I went ahead and watched the movie and decided that I would contact customer service after the movie because I didnt want to miss the movie. After the movie ended, I contacted Credit Karma and I was notified that my account was being investigated by a higher department, and that I would be notified in 7 to 10 business days Why my account is being investigated. I was not aware of my account being investigated due to having a Credit Karma money account for nearly 4 years. Ive never had any issues with Credit Karma so Ive been receiving direct deposit through Credit Karma as well as receiving tax refunds, and even financial aid through Credit Karma, Ive never had any issues with Credit Karma but all of a sudden I see that my account is frozen and when I tried to call the customer support to unlock my account all they could tell me is that my account was being investigated and that a higher department would reach out to me within 7 to 10 business days to notify me of the results I need access to my money in order to pay for my bills. I cant even pay for basic needs like food because my account is completely frozen. This is the only account that I have. I dont have any other accounts so all of my money was contained between my savings and my money account with Credit Karma and both accounts are now frozen, I am very XXXX  distressed because I have no access to my money and my job literally direct deposited me my funds for my employment today and I still can not access my money. I dont think that its legal nor ethical to be able to not access your own money that you work hard for and the fact that the company doesnt even have any Way of providing adequate information regarding why my account is being investigated is absurd. I dont know how many people this has affected, but I will never be banking with Credit Karma again once I am able to access my money. if my problem is not resolved within a timely matter, I will have to find out a way to take legal action because I need my money to pay my bills. I need my money to even eat. I need my money to buy and pay for my basic living essentials. This is not right, I work too hard I may not have a lot of money but the money that I do have is mine because I worked for it I worked those hours credit karma should not be able to withhold me from my funds without giving reasonable explanation in a timely matter. Please help me figure out what to do because I am out of options and I really need my money to eat and survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are reflecting the wrong balances. All the following accounts should be reflecting XXXX balances. 

XXXX XXXX XXXX Closed Account Showing Balance of {$500.00} Should Reflect {$0.00} Balance XXXX XXXX XXXX  Closed Account Showing Balance of {$290.00} Should Reflect {$0.00} Balance XXXX XXXX XXXX - XXXX XXXX  Derogatory Account Showing Balance of {$160.00} Should Reflect {$0.00} Balance XXXX XXXX - XXXX XXXX Derogatory Account Showing Balance of {$640.00} Should Reflect {$0.00} Balance
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Debt collection

Approximately XX/XX/XXXX I received a bill ( attached ) for {$78.00} for medical services performed on XX/XX/XXXX at XXXX XXXX XXXX. Note that, although it was nine months after the service, XX/XX/XXXX was the first time I received a bill for the services. My husband promptly paid the bill in full on XX/XX/XXXX and got a receipt for payment ( attached ). In early XX/XX/XXXX I began receiving phone calls from ARstrat, the collection agency for XXXX XXXX XXXX. They said I still owed {$31.00} on the bill. I said, " no, the bill was paid in full and I have a receipt ''. The agent, XXXX XXXX [ XXXX ] asked me to email a copy of the original statement and the payment receipt, which my husband did on XX/XX/XXXX. XXXX also suggested " well maybe the balance owed was from a different bill ''. She was guessing. I said " no, the date of service and the account number on the collection statement ( attached ) matches the original bill. You're trying to collect on a bill that was already paid ''. Further, I said " even if there is another unpaid bill then tell me what bill that is so I can prove that it was paid also ''. I have not received a response to that request. A few weeks later, I am still receiving phone calls and collection requests in the mail. They keep insisting that I owe the money. They have also threatened to report me to the credit bureaus for non-payment. I consider this bullying and harassment.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.