23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied to the Ulta Rewards Credit Card in store while shopping one day ( fell for the employee contest and figured it wouldnt hurt ). Only used it for that single purchase ( giving the card a balance of less than {$100.00} ), and didnt plan on using it often after this. I missed an initial payment, was charged the late fee, justifiably, but called and told the representative to pay the entire balance over the phone. I was told it was done, and took her word. Time passes and I finally had a chance to catch up on things that slipped through. Saw that I had an account negatively impacting my credit, and its this account that should have been closed months prior to this. The only balance on the card is late fees that are being continuously stacked on one another, which is not only absurd due to the process of charging late fees for late fees ( that shouldnt have even been charged to begin with ), but it is also impacting my credit score to my detriment
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to follow up on the CFPB complaint I made to the credit bureaus on XX/XX/2022, I am submitting this one. When I checked my credit report, I found that some of the data certain accounts were reporting was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$1500.00}. I want the credit bureaus to update these accounts since they are reporting false information.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report and found errors regarding my payment history on certain accounts. I have never been late on the following accounts. According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. These errors have significantly impacted my livelihood by preventing me from obtaining other credit Account name XXXX 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

I am filing this complaint against American Express for what I believe are violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), involving false statements or representations and incorrect information reported on my credit report. On XX/XX/year>, an account was closed with an outstanding balance of approximately {$1400.00}. American Express subsequently reported this account as a charge-off and placed it in collections. Despite this, they have not transferred or sold the debt to a collection agency, and they continue to pursue collection efforts directly. My concerns are that American Express continues to report this debt as a charge-off with a balance on my credit report, despite potentially claiming a tax deduction for this bad debt under IRC Section 166. The continued reporting of a balance, along with the charge-off status, suggests that the debt is still collectible, which is misleading and inaccurate if the debt was actually forgiven. Additionally, American Express has not issued a Form 1099-C, which would indicate that the debt has been canceled or forgiven. By failing to issue this form and continuing to pursue collection efforts, American Express is in violation of the FDCPAs prohibition against false, deceptive, or misleading representations ( 15 U.S. Code 1692e ) and the FCRAs requirement for accurate reporting ( 15 U.S. Code 1681s-2 ). Under the FCRA ( 15 U.S. Code 1681n ), I am entitled to statutory damages of {$1000.00} for this inaccuracy being reported on my credit report. I request that the CFPB take immediate action to investigate this matter, including the removal of this account from my credit report, imposing fines on American Express for the damages caused by these violations, and ensuring that I receive the {$1000.00} in statutory damages to which I am entitled. Furthermore, I will also be reporting this issue to the IRS for further investigation into the legitimacy of the tax deduction claimed by American Express and its ongoing collection efforts. Thank you for your prompt attention to this matter.
Product: Debt collection

In XX/XX/XXXX I viewed my credit report and saw company XXXX XXXX had filed a adverse action under my name stating i hadn't paid a bill. I never had an account with XXXX XXXX and I never lived in the state at the time specified. XXXX XXXX assigned {$1400.00} to a collection agency Convergent Outsourcing Inc . I reached out to Convergent Outsourcing Inc and have been getting the run around to no avail. I have requested Convergent Outsourcing Inc to remove that adverse action and they refused sending me documentation with my name ( misspelled incorrectly ) and a address I never lived XXXX. I am requesting to have it removed immediately.
Product: Debt collection

There was a hard inquiry on the XXXX credit report from said debt collector, and now I have received a letter to collect a debt. I have no knowledge of this dept.
Product: Credit card or prepaid card

I already filed one complaint against Bank of America for refusing to cancel a fraudulent application due to identity theft complaint number XXXX. I have contacted them several times about this. Yesterday I received the credit card in the mail. I did not apply for this credit card and I want it canceled and removed from my credit report both the account and the hard inquiry
Product: Credit card or prepaid card

This complaint is concerning my Chase Sapphire Reserve card benefits, specifically filing a claim through their Card Benefits Service. I originally filled a complaint with the CFPB on XX/XX/XXXX using the company name of XXXX XXXX XXXX instead of Chase. We reviewed your complaint and weren't able to forward it to the company for a response either because the company is not on our complaint system, or because we do not currently handle complaints about this product or issue. I saw through your database customers with similar situations to myself with more success filing the complaint under Chase. 

My wife and I have coverage through our Chase Sapphire Reserve credit card that covers both baggage delays and lost luggage. My wife and I are both on the credit card account. On XXXX  we flew from XXXX to XXXX on XXXX XXXX. We were two weeks into an approx eight week honeymoon and never saw our luggage since. We filed a claim with XXXX XXXX XXXX on XX/XX/XXXX and XXXX  This is the subsidiary that oversees the credit card travel benefits that come with our Chase Card. We have submitted over 50 documents as requested and called XXXX XXXX XXXX over 25 times over the last five months. This company continues to give us the runaround and our claim continues to be listed as 'pending. ' Despite multiple attempts, XXXX XXXX has not responded to our attempts or XXXX XXXX XXXX  requests for a 'common carrier settlement statement. ' XXXX XXXX XXXX representatives state over the phone ( most recently XX/XX/XXXX but many times before as well ) that because the common carrier has not provided this settlement statement after multiple attempts to acquire that they will review and move forward. In actuality, they email us a few weeks later and state they can not go forward without this common carrier settlement statement. This cycle then repeats when we call and follow up. As such, XXXX XXXX XXXX has kept our covered claim in limbo with no updates for months now. We have tried to fix the situation directly with XXXX XXXX XXXX over these 25+ phone calls as well as emails without any change. This business committed to providing trip insurance for lost and delayed baggage but has not done so. We are more than happy to provide all the primary documents that we submitted to XXXX XXXXXXXX XXXX, including receipts, credit card statements, email responses from XXXX XXXXXXXX XXXX Given the sheer number of documents, the attachments are copies of the main submissions to the airline and XXXX XXXX XXXX and a few examples of communication with both ( though more are available ). There is a screenshot of our online portal on the XXXX XXXX XXXX website showing the dates and details of everything we have submitted and perhaps you can guide us on any / particular files you need in addition for this complaint. We have been patient, but now find ourselves in a situation where we really need the funds from our claim and are quite desperate, having tried many avenues to see these claims move forward. Happy to provide any and all of the original documents seen in the attachment or further clarification.
Product: Debt collection

I have two issues with Portfolio Recovery : 1. When their collectors call my number and ask for me, I confirm and verify that they are speaking with me. However, before giving me a mini-miranda they refuse to discuss the matter they are calling about until I " verify '' further information such as my address, date of birth and social. When I challenge them, they tell me this is required to verify they are speaking to the right person. I remind them that they called my number, asked for me, and I have affirmed they have the right person. That shoud be enough verification to continue with business. Forcing me to give private and sensitive information to continue the call is harassment and a violation of the FDCPA especially prior to any mini-miranda.

2. I have repeatedly disputed the debts in their office with the credit bureaus and with Portfolio recovery. They are unable to prove that I am legally responsible for any of these debts. They just reply with a form letter and a few statements. Nothing that proves I am contractually liable for this debt.

I intend to file and FCRA and FDCPA suit against them in my local courts at my earliest conveince.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a credit card under my identity. I never opened a card until XX/XX/XXXX. They opened it on XX/XX/XXXX and seems to me that they have been doing monthly payments for about 6 months. Just trying to get rid of this payment history that is not mine.
Product: Mortgage

XXXX payment to Cardinal mortgage made XX/XX/XXXX as my usual payment schedule of {$1200.00}. I received a late notice and Called on XXXX It was recommended that I call my bank. Once I confirmed payment not received. I called mortgage co on Sat leaving voicemessage on issue and asked for help. I called Monday XX/XX/XXXX, and working with the Cardinal rep made not only XXXX, but XXXX to show goodfaith. Im not a late payer- and once my payment history was reviewed she took payment and waived late fee. We confirmed all info- I got another past due for XXXX and XXXX called again and was told payment was rejected- account not found. I use the same bank and 2 accts every month- easily tracked. I called XXXX long conversation about how payment was made- I was told my previous rep should have told me to make 2 seperate payments- not 1 lump sum. I was directed to make 2 equal payments in 2 transactions. I did- I got another confirmation and thought all was well. ITS NOT A LACK OF FUNDS.- I thought it was done. End of XXXX I received a default letter- I called again and was told, inspite of my confirmations- the payment didnt process- account not found again- the system took the payments 2x? 
New instructions from Cardinal- they payment didnt go through because my XXXX payment had increased, so nothing was credited? - I was urged to make 2 payments with another rep asap... I thought I was told I couldnt make 2 payments at once? Not knowing what to do. I hung up and MADE 1 PAYMENT AT A TIME ON XXXX REPAID XXXX XXXX REPAID XXXX- I MAILED THE XXXX PAYMENT ON XXXX I was too afraid to attempt online again. I got multiple explainations from XXXX XXXX who said they research and found different issues- NOW BECAUSE OF THE MAIL SERVICE CENTER BACKUP IN XXXX  XXXX THE PAYMENT HAD NOT BEEN RECEIVED BY XX/XX/XXXX. I have setup an alaert with the bank- so when the check is processed. I will update this complaint.I NEVER RECEIVED AN ANSWER AS TO WHAT HAPPENED, NOR DID I RECEIVED A RETURN CALL FROM MANAGEMENT, NOT DID I RECEIVE A REPLY FROM THE 4 ONLINE REQUESTS FOR ASSISTANCE MADE USING THEIR CONSUMER EMAIL. 
I also mailed a complaint directly to Cardinal using XXXX Mail. That is how serious this misunderstanding is to our family.My credit rating has dropped more than a bit, since Cardinal reported me more than a month late. Pls help me get restore.I never would pay the biggest credit account late without using help tools make avail. IT WAS NOT THE MONEY-As a consumer I understand the importance of this contract and my timely payments over the last 3 1/2 years has increased my numbers significantly. I can not allow this to go unchallened.
Product: Credit reporting, credit repair services, or other personal consumer reports

With all 3 credit bureaus I have tried to dispute matter that is one debt reported by numerous collectors for different amounts ranging from XXXX to almost XXXX they took well over 30 days when I first requested information regarding debt and never sent information. XXXX  is listed as original creditor and XXXX  also XXXX XXXX collections and another XXXX XXXX all are reporting this debt on credit report.
Product: Debt collection

Firstly, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Checking or savings account

I had all of my accounts restricted due to having someone send a transfer from their account to mine. I have reached out to NFCU more times than I can count over the last 2 years about getting this issue resolved. Originally, they told me they needed verification of the transfer, in which she called NFCU to verify as well as NFCU contacting her bank to verify. From there they kept telling me that the funds would be released soon. Finally, they told me about 4 weeks ago that they would release the restriction and give me access to all of my accounts and money once my negative balance in one of my accounts was settled. This negative balance was an error on NFCU end, in which I did an appeal for the money due and they finally restored access to my bank card and online access. They restored access to all of my accounts with them except my account with the funds that I had received. I asked them to close out the accounts with XXXX balances, which they did but I have still yet to receive access to my account with money or to the money at all. Over the last 4 weeks they have been telling me that the money would be available to me " soon '' and that it is processing, but it has been around 2 years with them telling me the same thing and coming up with another issue to not have access to my money. I asked them to transfer the money to my joint account which has not happened. Anytime I call they say the money is processing and that they don't know why it is taking so long and to come in in 2-3 days. I have been told to just wait and follow up every time I speak with them with no clear answer as to why I still do not have access to my funds.
Product: Money transfer, virtual currency, or money service

Case # XXXX On XX/XX/XXXX at XXXX XXXX XXXX an amount of {$25000.00} was wired to Coinbase , Inc . 
XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX Country United States As requested by coinbase the following has been verified and to their standard : ( 1 ) Identification ( ID ) has been verified ( 2 ) Incoming wire is in the matching legal name for the wire transfer ( 3 ) Unique reference code is included with the wire transfer for fund identification It is now XX/XX/XXXX and there is no balance on the coinbase account or a return of funds. 

I have received ONLY one line of communication since XX/XX/XXXX from support which is 10 Business days after the wire took place on XX/XX/XXXX from XXXXXXXXXXXX " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience '' I have tried communicating with coinbase through their support team via ( 1 ) XXXX, ( 2 ) XXXX, and ( 3 ) XXXX.

( 4 ) Have tried calling the help center XXXX ( 5 ) Requested and submitted a form escalation ( 6 ) Sent multiple emails with minimal communication I do n't think its right for coinbase to tie up funds like this. There are numerous other cases like this where people have their funds tied up for weeks with no direct communication. People deserve to know whats happened with their hard earned money. 

I understand coinbase has an overload of customers but if you ca n't handle sensitive matters like this in a timely manner, then please do n't take on new customers and set up infrastructure to handle the large influx. 

All I 'm asking is to be considerate of everyone that choose to do business with coinbase. Thank you.
Product: Credit card

Chase has issed denials of receipt dispute documentation and when provided with it refused to assist. 
The charge of XXXX was not authorized nor was there any documentation to substantiate it. 
Am confused why my credit card company of many years would intentionally work against me. 
I am owed XXXX from XXXX from the XXXX XXXX. 
Please return this money that was taken without my signature and consent
Product: Credit reporting, credit repair services, or other personal consumer reports

PROFESSIONAL DEBT MEDIATION is reporting a fraudulent account that was a result of identity theft. This fraudulent account is continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I sent letters to Equifax, XXXX, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XXXX XXXX, XXXX, I have not received a written response from either one of the Credit Reporting Agencies.
Product: Credit card

I formally requested a review of a recent decision regarding a disputed charge on my credit card account. The transaction in question, processed on XX/XX/year> with XXXX for the amount of {$7800.00}, was originally disputed because the merchant failed to provide the agreed-upon service : XXXX XXXX XXXX XXXX XXXX XXXX. I requested a refund on XX/XX/XXXX, prior of access any of their product because I realized this was a scam. 

Despite their commitment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, nor did I receive any viable documentation or evidence of efforts on their part to fulfill the promised service. I initially ask for a refund on XX/XX/year>, and I have been delayed and provided different information and where during my 4th attempt at requesting a refund, XXXX XXXX used time as the reason that Im not eligible for a refund. Based on my evidence, I ask multiple times for a refund, about a month later and was giving the run around, asked to work with a 3rd party for credit repair, which was a scam because they took all my information to be never heard of. Then I was told to spend more money with another company for credit repair and I refused, they in turn offered me a {$300.00} refund toward that company, but they never follow through on. I've provided emails communication as supporting documents for all the delays and misleading information. 

Enclosed with the dispute letter : 1. The initial contract or agreement with outlining their obligation to XXXX XXXX XXXX. 
2. My communications with the merchant demonstrating that I attempted to resolve this directly with them and was met with no resolution or funding. 
XXXX. Proof of payment for the service that was never provided. 

Thank you for your time and reconsideration. I look forward to your response and a fair resolution.
Product: Debt collection

XXXX ( XXXX ) XXXX called and labeled as Portfolio Recovery. The number called a private line of mine that is only friends and family. Looking for someone, that I have no idea who this person is. Since this is a second very private number, the number above has repeatedly called me without permission to my phone number or even access. I am unsure of how would have my phone number and why would call me. It begs the question of how did Portfolio Recovery find a private number that is only given to family and friends? I believe something illegal is being done by Portfolio Recovery to obtain phone numbers and names, in their debt collection process. 

The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. Based on Portfolio Recovery calling my private number, they are engaging in criminal behavior, and attempting to falsely create debts by deceptive practices in obtaining names and information. Theses are deceptive practices, or engaging in deceptive, because private number only given to family and friends. Portfolio Recovery has no business calling me and unlawful way of obtaining my private number while harassing me. This number calls me often and I received a call today mid day on Saturday.