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

My wallet was stolen from my purse at a XXXX XXXXXXXX CO restaurant around XXXXXXXX XXXX MDT on Sat, XXXX XX/XX/2018. I didn't find out until 30 min later, when I discovered the wallet was missing, and then the fraud alerts started coming in on my phone from my bank. The criminals used my 2 credit cards for approximately {$9000.00} and my debit card ( without the PIN ) for another {$1500.00}, until finally USAA bank shut everything down. The bank is doing the right thing with the credit cards, but the debit card charges have been decided as not fraud. I notified the bank within 30 min of the incident, and in fact the bank shut down the card when a second transaction was attempted on the debit card, before I called in. None of this should have occurred if the bank had followed my {$1000.00} transaction limits on all my cards, which I know were in force about 8 years ago when I tried to make a transaction above the limit. About 36 hours after this incident, I received the initial " not fraud '' determination, and I filed an appeal with full details of the events in writing a few hours after that ( well within 48 hours of the event ). When I received no reply within 24 hours, I called the bank and demanded an appeal, at which point my report ( that was in the system but ignored ) was added to the appeal. Then the final determination of fraud ( no further appeal ) came in on XX/XX/2018, saying I was liable for the full amount. Federal law ( Fair Credit Billing Act ) says that I am only liable for {$50.00} due to my timely reporting. In addition, I demanded an investigation into how this whole fiasco was allowed to occur despite my transaction limits. So far, no response. Please let me know what I should do for the next step, because all I can think of now is to hire a lawyer and take USAA bank to court for violating the law.
Product: Debt collection

The debt collectors communication was extremely unprofessional. His tactic was very aggressive and profane. He was harassing me about my personal reasoning. I had asked him to call me back when it was appropriate because I was on my way to work. He then started to argue with me. I had already told him to document in my notes that I would pay my balance in full the next day. He continued to yell at me and when I hung up.. clearly my credit score took a hit because of his unprofessionalism.
Product: Checking or savings account

me and my wife got a settelment. we deposited it in our chase account.they put a 7 day hold on it.after the 7 day hold they froze our account said checks where fraudulent.the checks came from our attorny allmost 14000 dollars we went to the bank on the XXXX of XXXX we where told the checks would be mailed back. the checks cleared our attornys bank on the XXXX of XXXX. we still have not seen a check or our money. please help my phone is XXXX XXXX XXXX its been three weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credir reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instruction.

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 7 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 a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been my third attempt to rectify this matter. This account does not belong to me. Block and remove it. This account also came from a credit report so it should not be showing on a consumer report anyway.
Product: Credit card or prepaid card

I have a past due amount of {$1400.00} due on the XXXX of XXXX on my Chase credit card. I started a repayment plan in XXXX to get out from under the past due amount. My payments went up and the past-due amount didn't really go down. I have made XXXX payments already on the XXXX of XXXX and XXXX for {$240.00} and have XXXX more payment scheduled on the XXXX of XXXX. I chose this specific repayment plan to get out from under the past due amount quickly and to avoid my account being closed. The past due amount has barely moved if at all and Chase closed my account anyway. 

The repayment plan was done over the phone and I have not been able to find any documentation of it attached to my account. But, in the description for each payment, you can see they were scheduled by a phone specialist.
Product: Credit card or prepaid card

Hello I have always made my payment early But this company took my early payment and added it to the balance and not the monthly payment and so on XXXX and my next payment was on XX/XX/2023 and the sent me a late payment notice and charged me a late fee. They told me the I made the payment to early and so it's credit my account for that and they took off the late fee but will still note it as a late payment to the credit company and it will go against my credit score as a late payment but never told me I couldn't make a early payment but now they want me to pay for their mistake and I don't feel that should be penalize for their account mistake. The company info is care credit. Company. And not I have to make a double payment to catch up my account. And I think that's a bad way to do business when they got their money early. So I guess making early payment as I was trying to be a good customer thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts that are inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. Below are the names and account numbers who are in violation, and need to be removed off my report, not closed status, but REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX* REMOVE ALL INQUIRIES FROM MY CREDIT REPORT XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX GA XXXX The following account was charged off as of XXXX, XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

My student loans are showing up twice on my report. 1 They are consolidated into 1 account but its showing as 34 different accounts. The accounts have been transferred but are showing chargeoff. I have been going thru this for 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to transunion on XX/XX/2020 because of them not marking XXXX XXXX XXXX  item as disputed within 30 days, ITS A VIOLATION AND NEED TO BE DELETED BEFORE I CONSULT A ATTORNEY.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/2024 XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Debt and Request for Deletion from Consumer Report Dear Sir/Madam, I am writing to dispute the validity of a debt that has recently appeared on my consumer report, as well as to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer report, I was surprised to find an entry regarding a debt that I have no knowledge of. I have not received any prior notification or communication regarding this alleged debt, nor did I have the opportunity to dispute it before it appeared on my consumer report. 

I want to emphasize that if you believe that proper notification was indeed provided to me, I kindly request that you furnish me with the CERTIFIED mail receipt that includes my signature, demonstrating that I received notification of this debt at least five days prior to its appearance on my consumer report. As a consumer, I am aware of my rights under the FDCPA and FCRA, which include the right to be notified of any debt collection activity and the right to dispute any inaccuracies on my consumer report. 

If you are unable to provide a certified copy of my signature confirming receipt of proper notification within the specified timeframe, I demand the immediate deletion of this collection/charged off account from my consumer report. Failure to comply with this request will prompt me to take further action to rectify this matter. 

I expect a prompt response to this dispute and request within 30 days, as stipulated by the FCRA. Please provide all correspondence in writing to the address listed above. also according to XXXX it states the debt collector is not registered to collect alleged debt in the state, please see attachment below. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX AT XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am trying to remove a cash balance from my Coinbase account - USD Wallet. My bank isn't listed in their list of banks. Can't contact support because they are on some sort of crisis mode and my problem is not listed on their priority list. Went through all the automated support options to no avail. It is under {$10000.00} so I can not do a wire transfer. They took their fees and all I am getting is a wall. Just want my money in my hands. 
In my wallet there is one button that says " withdraw. '' When you click it you are sent to a list of banks. My bank is not there. How do I get my money out? My email with coinbase is XXXX XXXX
Product: Mortgage

I called penny mac usa Twice about this. 

I changed my payment account to savings ( instead of checking ) The payment was still withdrawn from checking even though I modified payment week in advance. This caused overdraft and payment wasn't applied Tried calling 2 times about this. Even escalated to management. Worried about fees/impacted score but the Company was too incompetent to rectify their mistake on the phone. 

Looking at legal options to formally notify them and have someone competent fix the issue.
Product: Debt collection

Grant and Weber has posted two medical bills on my credit report one for XX/XX/XXXX and one for XX/XX/XXXX. Both for XXXX XXXX I never had any of the services on those dates and my medical insurance was with XXXX where it was fully covered. These postings and billing are erroneous. Please CEASE and DECEASE and remove all collection derogatory activity from my credit report
Product: Credit card or prepaid card

XX/XX/21 I was notified my oldest secured card was closed by me which I did not do and I called my bank at XXXX XX/XX/21 when I saw what happened and let them know it wasnt me and he said theres nothing that can be done so I asked to make an appeal to have my account reopened and he said that he put it through and it would take 7 to 10 days but Im not sure he actually did it bc Ive received no updates as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

FREEDOM DEBT RELIEF HAS NOT REFUNDED MY MONEY. AFTER I SUBMITTED MY INITIAL COMPLAINT TO THE CFPB, MY INFORMATION WAS SOLD AND I HAVE BEEN GETTING EXCESSIVE EMAILS AND PHONE CALLS FROM FREEDOM AND ITS AFFILIATES. I DO NOT WANT THIS COMPANY HARRASSING ME. I NEED THEM TO SEICE AND DESIST AND I NEED MY REFUND.
Product: Credit reporting, credit repair services, or other personal consumer reports

Explanation of item being disputed : XXXX 's Acct # : XXXX for a balance of {$1200.00}. This XXXX  account was originally removed/blocked and now being put back on my report. The creditor has yet provide me with any signed proof of this account. A police report is already on file with Experian and that should have been enough to remove this account. It was place back on my report with out me knowing. being reported incorrectly and was placed back on my credit profile which is violating my right. In addition, there are dispute remarks " Subscriber reports dispute resolved-consumer disagrees. Unpaid balance reported as a loss by the credit grantor. CONSUMER STATEMENT THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES ''. When I contact Experian, the refuse to help me and reopen the dispute and pull the verification proof. I will be seeking Legal advise for both Experian and creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I did not authorize capital one to do a credit check on me please remove from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading a letter I received from XXXX  credit reporting agency. They are refusing to re-investigate a few items that do not belong on my credit report. The first account is XXXX XXXX XXXX. There are fraudulent items on this account and Ive disputed it many times. Now they want additional information which I do not have because its been years ago. I did file a police report when this happened and submitted it to all 3 credit reporting agencies. I contacted the police department for a foil copy but was told because its been so many years they do not keep these records after so long. XXXX XXXX XXXX XXXX has been paid and satisfied. I do not owe over {$6000.00} dollars I had multiple loans with them which were combined and refinanced and they total balance was paid in full. I do not understand because XXXX  has corrected these items and received confirmation to delete off my report but XXXX is not allowing me to redispute which is completely wrong because it is false information reporting and is causing a hardship in obtaining substantial credit. And to say they will not redispute this information is not right. My credit worthiness is extremely important to me. I wish to complain about this and considering starting a class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to harass me any longer and I have filed a lawsuit. Ive tried to contact  you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below.

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$890.00}
Product: Debt collection

This company has added a debt to my credit report that does not belong to me. They are sending a bill for large amount owed for a company I still do business with and am in good standing with. They have not responded to my disputes or any of my identity theft documents I've sent.
Product: Debt collection

On XX/XX/XXXX I visited XXXX  office with a friend of mine who recommended XXXX XXXX XXXX as a great dentist. XXXX XXXX did a simple oral exam, her assistant took some x-rays, overall the visit lasted less than 30 min. After than I called several times trying to schedule an appointment for cleaning however they were not able to accommodate me with the times that would work for me, so I decided to go make an appointment at the office where I cleaned my teeth for the past 5 years. I went there on XX/XX/XXXX and on XX/XX/XXXX they billed my insurance for their services. On XX/XX/XXXX which is now over 5 months after my visit to XXXX XXXX XXXX at XXXX XXXX, they decided to bill my insurance for {$750.00} for services that were never performed, one of which is XXXX XXXX ( cleaning ). Since my dental insurance already paid for my cleaning, exam and XXXX which were actually performed on XX/XX/XXXX they declined to pay XXXX. 3 weeks later I received a text message from the office of XXXX that I must pay them {$380.00}. I called and spoke to XXXX  and she said it's some kind of mistake and I should just disregard it. I would also like to point out that I never even once received any itemized bills from XXXX XXXX, the only reason I know they tried to bill my insurance for services they never performed is because my insurance sent me the copies of all claims. Once again, after couples of texts and conversations with XXXX XXXX next thing I know XXXX XXXX forwarded my balance to collection agency that now tries to extort over {$900.00} from me ruing my credit score. This office filed false claims which is a serious violation and now they are trying to extort money from me for services that were never performed. It appears from my research that this is what XXXX XXXX does, they have a scheme. I saw other complaint on XXXX site which is literally identical to mine and what is even more telling, XXXX  XXXX   response is exactly the same, blaming customers for receiving money from Insurance companies and not sharing it with them which is absolute absurd and can easily be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them. 

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize. 

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries. 

I am also a VERIFIED victim of the EQUIFAX breach. 

I have TWO valid inquires. XXXX XXXX XXXX and XXXX XXXX. THATS IT OVER THE PAST YEAR