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

Around XXXX I was under a chapter XXXX which included my SunTrust Credit Card Debt. According to a XXXX XXXX Report I pulled my credit line was XXXX  out ( see attachment A ). 
Around XX/XX/XXXX/XX/XX/XXXXSunTrust opened a totally new and different account with an {$8000.00} balance and sent me a brand-new credit card and said it was a XXXX  Account Card and that I could not use it for any purpose. I called and asked for an explanation and details of charges and was told it would be mailed but it never was. SunTrust is not able to provide an explanation of charges in writing nor by phone. Over the past ten or so years I have called to dispute the charges and I was told things like If you disagree then why are you still paying on this. The last request was made XX/XX/XXXX, Request for Records # XXXX, Ive yet to receive a single statement. I requested a settlement of my unpaid debt at {$1400.00} ( 20 % ) of the balance due of about {$7500.00}, there response was {$5500.00} which is 75 % of the balance due. 

credit Card Account # : XXXX I was told that there are three other accounts ending in XXXX, XXXX, and XXXX that are attached to this account but no explanation could be given as to why. I have been paying on this debt of {$8000.00} for 14+ years, often times above the minimal requirement as my statement shows ( see attachment B and C ) the balance as of XX/XX/XXXX is {$7200.00}. 
My statement dated XX/XX/XXXX ( see attachment C ) shows that I paid {$1400.00} in financial charges in the year XXXX. Even if I only paid the minimal payment of {$140.00} for twelve months that would = {$1700.00} minus {$1400.00} in financial charges leaving {$310.00} to go toward the principal in one year alone but according to SunTrust Ive only put about {$750.00} toward the principal in 14 years. 

Credit Card Bill of Rights states Credit card companies must denote clearly on your bill how long it will take to pay off your balance when only paying the minimum amount and how much you would have to pay monthly in order to be at XXXX balance within three years. My statement does not, please see my attach monthly statement attachment B and C.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 

As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My XXXX account was compromised, passwords were lifted and used to access two of my Chase credit cards and my XXXX XXXX card. I saw the charges right away and called both Chase and XXXX. 

XXXX was able to stop the charge immediately and no further action was required. 

Chase chose to " investigate '' the charges, which led to the charges hitting my card and services purchased. The purchase was for a XXXX Ads series of advertisements ( on XXXX, apparently ). Chase moved the situation to their Fraud Department, and in their investigation they determined that the charges came from my ( hacked ) XXXX Account and therefore were deemed to be legitimate. Now the charges are recurring and each time I call to appeal to the Chase Fraud Dept. they investigate and come back with the same response, that since the charges are coming from my account they are my responsibility. Nobody seems to care that I'm not the person behind these charges and my appeals continue to fall on deaf ears. 

Today I was forced to cancel two Chase credit card accounts to extricate myself from this ridiculous cycle. Meanwhile, I've paid over {$300.00} in charges for services I never authorized. 

XX/XX/20 XXXX Ads {$150.00} XXXX XXXX Ads {$130.00} XX/XX/20 XXXX Ads {$60.00} There are more charges pending. I've canceled both Chase cards that I have. 

I don't know what else I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section XXXX and XXXX, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX
Product: Credit reporting

Equifax reports me as being late on an XXXX XXXX XXXX Account XXXX. Once in XXXX of 2016 and again in XXXX 2016. XXXX never reported me being late and Equifax has failed to verify and correct but has not done so in 60 days.
Product: Debt collection

On XX/XX/2020 I wrote to Innovative Recovery about a debt that claimed I owe, which I requested validation. Innovative responded with a partial lease agreement although the supposedly final balance statement shows an amount of {$1200.00} owed for " insufficient notice charge '' in addition to {$510.00} reletting fee. I then contacted Innovative again requesting to see the full and complete lease agreement, particularly the part showing the part about me agreeing to be charged {$1200.00} insufficient notice charge. Instead of providing me with adequate evidence of this charge, Innovative sent me the EXACT same response as before. Without a full and complete lease agreement, I have reason to believe this amount has been inflated.
Product: Debt collection

Account was listed on my XXXX credit report on XX/XX/2019. 
Debit Recovery Solutions Collections claiming I owe {$310.00}. I do not know this company. I have never received documentation to validate my debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX XXXX Balance : {$2300.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account DOES NOT BELONG TO ME
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and I have no idea why theyre there. When I checked my credit report as I usually do, I noticed unexpected discrepancies. I even refreshed my browser, hoping it might just be a glitch, but the unauthorized inquiries persisted. I urge you to thoroughly review the documents Ive submitted so I can stop worrying about this issue once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter consummates my lawful and rightful consumer notification of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this declaring constitutes my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately developed a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! 
Sir/Maam, I am writing you with this formal objection of claim ( s ) as reported when reported and a suggestion for prompt action ( s ) on your part. You are improperly reporting improperly to the major credit bureaus and damaging my credit. You are in contravention of the FCRA aka the Fair Credit Reporting Act. The Suspected transgression ( s ) may well be subject to fines and damages. I am providing you but this one last chance for rectifying of this account. Previously, I had sent you a letter advising you that you were carelessly reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to adequately correct my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it insinuates that my forwarded letter was sadly abhorred.
Product: Vehicle loan or lease

Wells Fargo was fined and ordered to remit payment for damages to consumers for REPEATED misapplied payments from XX/XX/XXXX to XX/XX/XXXX. Wells Fargo issued me a check on XX/XX/XXXX for {$9.00}. The check was for {$7.00} misapplied payments and {$1.00} for the time I did not have the money. Providing {$1.00} for misapplied payments for XXXX is absolutely absurd. Wells Fargo charge a late fee when car payments arent made in time, therefore Wells Fargo need to also pay me for every month they were late, paying the alleged {$7.00}. Furthermore, Wells Fargo provided no explanation of HOW the {$7.00} was accessed for the REPEATED misapplied payments. There is no doubt in my mind that Wells Fargo misapplied MORE than {$7.00}. Wells Fargo continues to REPEATEDLY violate consumer laws. In the past Wells Fargo fraudulently charged me for XXXX XXXX, when I already had auto insurance, I had to argue with Wells Fargo for several months and provide proof of insurance to dispute the unfair compensation Wells Fargo provided for the fraudulent CPI insurance. Now, here we are yet AGAIN with ANOTHER CONSUMER LAW VIOLATION. The CFPB ordered Wells Fargo to remit payment for damages and {$1.00} is a NOT SUFFICIENT amount for damages for this new misapplied payment violation. At this time Wells Fargo need to ALSO pay me PUNITIVE DAMAGES due to REPEATEDLY VIOLATING MY CONSUMER RIGHTS!
Product: Money transfer, virtual currency, or money service

XXXX XXXX presented himself as a XXXX who worked at XXXX XXXX, an XXXX XXXX XXXX in the XXXX XXXX XXXX. He requested I tow my XXXX to his shop, and the cost to replace the engine was {$2000.00}. 

Mr. XXXX requested three milestone payments be made to his shop of {$500.00} each via XXXX for work that had been completed on my vehicle. XXXX sent pictures once the engine was setup, once it was installed, and once the engine was running. The last {$500.00} due, I mentioned I would pay when the far was ready for pickup 3 transfers were sent via my Bank of America checking account to the Bank of America account for service repair shop XXXX represented as XXXX XXXX. {$500.00} XX/XX/XXXX, {$500.00} XX/XX/XXXX, {$500.00} XX/XX/XXXX. 

I called Mr. XXXX a minimum of ten times in the last ten days, and sent him 10 text messages regarding the date to pick up my XXXX. XXXX set two dates to pick up the car at XXXX XXXX and rescheduled them, as he was not available. 

I called the owner of XXXX XXXX and he confirmed he knew of Mr. XXXX, but at no time had Mr. XXXX EVER worked with for XXXX XXXX, and he was not a XXXX XXXX   employee. 

The owner of XXXX XXXX mentioned they had worked on my XXXX and had replaced the engine and it was ready for pickup. I asked about the balance remaining, and was surprised to hear that all of trabsfer Bank Of America never were sent to XXXX XXXX. Instead the {$1500.00} I paid went to Mr. XXXX XXXX personal account. Finally I was surprised to hear that the XXXX XXXX had not received the XXXX transfers. 

Contacted Bank of America ( BOA ) who filed a scam report XXXX XXXX XXXX Even though the money was sent from my BOA account, BOA refused to accept chargeback claim, and issue a provisional credit, even though the money transferred was taking from my BOA checking and transferred to another BOA. This is a BOA to BOA transfer, irregardless of the XXXX software. I had to sign into my BOA account. See attached files for my Banking Account info. 

Bank of America requested I filed a 2nd police report, and the CSR filed a Scam Reporr. On Wed, I will file police report and stop future ACH
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am submitting this formal complaint against XXXX XXXX XXXX for inaccurately reporting my payment history to the three major credit reporting agencies, which has caused significant emotional and financial distress. 

I have been a member of XXXX XXXX XXXX and have consistently made all required payments on time. However, XXXX has inaccurately reported a late payment for the month of XXXX ( or specify the month ), despite my having made the payment on time. This reporting error is completely false and does not reflect my actual payment history. 

I strongly suspect that this issue may be linked to a XXXX  attack XXXX XXXX XXXX suffered, which caused a system outage that disrupted their operations, including payment processing and reporting systems. I believe that the inaccuracies in my payment history were a direct result of this system failure, and I have reason to believe that this issue affected other members as well. 

The incorrect reporting of this late payment has significantly damaged my credit score, and as a direct result, I have been unable to refinance my home, missing out on more favorable loan terms and interest rates. This has created substantial financial strain. Additionally, this error has caused emotional distress due to the time and energy Ive spent disputing this issue, while knowing the problem originated from a systemic failure at XXXX. 

Background on the XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX publicly acknowledged being the victim of a ransomware attack, which led to a complete system outage for an extended period. During this time, many of their services, including payment processing and reporting, were offline, potentially causing errors in the way they managed customer accounts. It is my belief that my payment was not properly processed or reported due to this outage, leading to the inaccurate reporting on my credit file. 

While I understand the challenges posed by cyberattacks, the ongoing impact on my financial health, particularly the harm to my credit score, is unacceptable. The disruption in XXXX systems has directly contributed to my inability to refinance my home, and I am concerned this error has widespread ramifications for other customers.
Product: Debt collection

I have just recent applied for credit and was told I had a negative collection on my credit report, since I just turn XXXX in XX/XX/2018 I have had not credit or collection prior to this, so I am disputing this collection account, I will be requesting that the collection agency supply to me a signed contract by my to pay any bill, I will also fall back on FCRA that clearly state that a minor cant be held liable for any debt, even after turning XXXX, I wont state the statue cause collection company should know these laws, so if you don't have a contract signed by me after XX/XX/2018 then there is no debt, I will proceed to file in court and sue for hurting my credit before im even legal to establish it,
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full. Company offered to be removed. This account has not yet been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/XXXX This information reporting on my credit profile is inaccurate. Late payment are reporting on this account.This is not true. I request that you verify the information and update the payment history on these accounts as " paid, Never late ''. 

Experian XXXX XXXX Account numberXXXX Open Date opened XX/XX/XXXX XXXX XXXX Account number:XXXX Open Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number:XXXX  Open Date opened : XX/XX/XXXX XXXX Account number XXXX Date opened : XX/XX/XXXX XXXX XXXX Account number XXXX Open Date opened : XX/XX/XXXX XXXX XXXX XXXX : Account number:XXXX Open Date opened : XX/XX/XXXX XXXX XXXX Account numberXXXX Open Date opened : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act PORTFOLIO RECOVERY ASSOCIATES # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Over the course of three {$5000.00} transactions, totaling {$15000.00} to Binance.us for the purpose of transferring the USD to XXXX and to transfer it off the Binance.us exchange. After purchasing the XXXX and trying to move the money off the exchange, I was told a 10 day hold would be be necessary first for safety reasons. After sixteen ( 16 ) calendar days of waiting, I decided to sell the XXXX and move my USD back off Binance.us and into my XXXX XXXX XXXXXXXX account ; the same account the money came in through and that had been linked to my Binance.us account the whole time. My Binance.us account was also verified for the whole time. I had previously sent them a copy of my driver 's license and all relevant documentation to be fully verified, specifically to avoid any problems like this one. After selling the XXXX and attempting to move it back to my XXXX account, I was notified by a message on their website that my account had been disabled as a " risk control ''. After multiple days and multiple e-mails to Binance.us, I finally received a response from them that I would have to agains send a photo of my state issued driver 's license and a photo of myself holding a sign requesting my Binance.us account to be reinstated. I did that promptly and still have not had my account reinstated so I can withdrawal my funds back to my bank account. This entire process started on XX/XX/XXXX and is very quickly approaching a full thirty one ( 31 ) days I have no been able to move my money off Binance.us in any manner. My account is fully protected including 2FA and despite Binance.us claiming there has been suspicious activity on my account, I have never received an SMS on my phone about attempted transfers or anything of the like except when I myself was trying to do so. I have never used a VPN or anything that should appear to them as suspicious activity and it is my opinion that their claims of suspicious activity are either them dragging their feet yet again or potentially something malicious. I have contacted the SEC about the issue as well and will be contacting the SEC as well.
Product: Debt collection

Bill was paid immediately after the services were provided total amount was paid for both bills, but billing department sent item to collections without any notice, I was notified by my credit reporting block service that m credit score had dropped significantly which is affecting my score in a way that is not recoverable. Both XXXX XXXX and Plus 4 here in XXXX XXXX violate this protection all the time they have done this to me 3 separate times this company threaten people if they contact you, and when they don't they threaten you when you contact them. there contact information is XXXX and they often operate under different name at different times.