23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A FTC IDENTITY THEFT REPORT AND I SENT IT TO XXXX, TRANSUNION, AND XXXX ALONG WITH ALL THE DOCUMENTATION NEEDED TO SUPPORT MY CLAIM AND THEY REFUSE TO BLOCK/DELETE THE ACCOUNT DISPUTED DUE TO FRAUD. 

15 USC 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT : ( a ) BLOCK 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 an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECIEPT BY SUCH AGENCY 1. appropriate proof of the identity of the consumer 2. a copy of an identity theft report 3.the identification of such information by the consumer ; and 4. a statement by the consumer that the information is not information relating to any transaction by the consumer I HAVE MET ALL 4 OF THESE ITEMS ABOVE AND THE ACCOUNT IN QUESTION SHOULD BE BLOCKED/DELETED IMMEDIATELY!
Product: Credit card

Dispute # XXXX for {$790.00} at XXXX XXXX XXXX XXXX on My Fidelity Credit Card issued by ELAN was submitted on XX/XX/year> 1. Refund of {$450.00} fee for the destination shuttle ( promised to me at the time of move ). The movers did not use a big container truck and they did not need a destination shuttle to deliver my items.

2. Refund of the misc extra storage ( 20 cubic feet ) suggested by the QA personnel if in case we go over the agreed-upon items.

3. Claim for 2 broken bowls, one broken baking bowl, and one smart XXXX XXXX monitor. 

Total of the above comes to {$790.00} Elan is terrible with dispute resolution. Other than the initial correspondence from Elan, there has been no correspondence from them. They have never notified me if anything is pending on my end to deliver regarding documentation. Even the resolution they came up with was that they could not help me and I needed to figure out with the merchant. There was no written documentation of the resolution, I had to call them to get an update. I was not able to resolve it with the merchant in the first place thats why i needed to involve my credit card issuer.
Product: Checking or savings account

PayPay, using foreign agents, keep requesting my past info to verify & give access to my account. I keep giving accurate info but they say it isn't correct. Refuse to let me speak to any US reps to resolve my online access issue. I don't know if my account is closed, hacked or still operating. Requested physical mail statement to my residence but they hang up on me due me stating I will report them to authorities for not helping.
Product: Credit card or prepaid card

This Complaint relates to a BaALANCE TRANSFER promotion from Barclays Bank USA through my Miles & More Master Card with Barclays Card. 
On XX/XX/XXXX, I called XXXX and spoke to XXXX. I stated that I wish to avail the % promotional offer, details as attach A. Ms. XXXX validated my credit card account with Barclays and I then proceeded to give her the details of the Receiving Bank where the funds of {$7000.00} should be  transferred to, the XXXX XXXX XXXX XXXX XXXX Elite Visa Card. 
On XX/XX/XXXX, Miles & More Mastercard was charged the Balance Transfer Amount of {$7000.00} plus the 3 % Transfer Fee of {$210.00}. 
On XX/XX/XXXX, I called Barclays and spoke to Ms. XXXX to query as to why the funds have not been credited to my XXXX  Visa card. She stated that Balance Transfers take about 7 to 10 business days to be credited to the Receiving Bank. I retorted that I " was not advised of such delay '' when I spoke to Ms. XXXX on XX/XX/XXXX. I explained that the reason that I took advantage of the Bank Transfer was to obviate the " high interest ( 11.4 % ) of XXXX. A substantial delay in crediting my XXXX credit card puts me on " double jeopardy '' in terms of paying the 3 % transfer fee upfront by Barclays and at the same time paying a " compounded interest of 11.4 % '' with XXXX. It DEFEATS the whole purpose of " taking advantage of a lower interest. 
I spoke to a Supervisor named XXXX ( ID # XXXX ) and requested a copy of the DISCLOSURE indicating the " 7-10 window to transfer funds ''. He stated that he COULD NOT provide me one. I requested him several times and he insisted that he could not provide me a Disclosure. After my insistence, he said that he could READ me the Disclosure but NOT one in WRITING!. I rejected his proposal. 
Both Ms. XXXX & Mr. XXXX denied my request to CANCEL the transaction because of this delay. 
To this writing ( XX/XX/XXXX ), these funds have not shown as credit to my XXXX Visa card, Please see attach B. 
Your assistance in having this issue be investigated and clarified is much appreciated. 
FYI, I am a senior  of XXXX years old on a fixed income who is responsible enough to meet my obligations.
Product: Checking or savings account

This complaint is against W.Fargo Bank for the following reason : For 14 months thus far, I have been dealing with identity theft. I've been shut out of all my W. Fargo accounts this entire time, and W. Fargo will give me no help in getting back in to my accounts. Yet it seems as if W. Fargo easily helps these identity thieves. Several accounts have been opened in my name- without my authorization, and therefore I have accounts in my name at W. Fargo in which I have no access to. W. Fargo is an easy target for identity thieves as I have seen first hand. And the identity thieves receive tremendous financial benefit from W. Fargo- and the W. Fargo customer suffers the consequences.
Product: Checking or savings account

I only have a savings account with the company. Funds were deposited. I contacted the company to advise I am unable to attach an external account to withdraw funds and requested assistance. I was on hold over XXXX  XXXX  before I reached a representative. It took XXXX minutes to even reach the option to speak to a representative. I was advised they are unsure why I cant add an account through the app and they could not update the information over the phone. I requested that the account be closed and funds released. I waited on hold the next day for over an hour and was advised no request was submitted, I would be sent an email to send screenshots of the issue with updating the account, no closure was requested. I am unable to retrieve money from the savings account with this company. I am unable to reach a customer service agent in less than an hour. Customer service agents are unable to assist with banking issues.
Product: Debt collection

I have been a patient of XXXX XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX he was the XXXX   who XXXX my daughter on XX/XX/XXXX. I began my treatment with him in XX/XX/XXXX. My treatment was paid through my health insurance and XXXX XXXX was a provider on XXXX XXXX XXXX network. At the end of my XXXX I received a bill from XXXX XXXX and it was for {$300.00}. I called XXXX XXXX up to inquire about this balance and they informed me that he was paid a reasonable and customary fees according to his provider contract. He billed XXXX XXXX  A total of more than {$14000.00}. He received everything but the {$300.00}. I was told by XXXX XXXX ; providers sign A contract agreeing to the financial terms in their network and they are Prohibited for from billing unreasonable rates. I called XXXX XXXX 's wife ( billing coordinator ) and she informed me that they were going to write this balance off and adjusted. 

I go on with my life and forget about this and come to find out Pressler and Pressler has issued a default judgment against me. I was never served with paperwork. They put this on my credit report as well and I disputed it with all three bureaus and it was deleted ; as a result of the credit bureau being unable to validate the validity of the judgment. I have tried to call to resolve this with pressler and pressler several times. I asked Pressler and Pressler to supply me with a validation of debt. Pressler and Pressler provided a statement which contained mine and another patients medical billing diagnostic codes. It was seven pages long and there was no patient identifier to link me to The balance I supposedly owe. There is nothing from XXXX XXXX  supporting this balance is actually owed. The only documentation I have is a statement from XXXX XXXX 's office with the hand written total at the bottom that does not match the dollar amount on the printed statement. I am not very familiar with the legal aspects on this. I was very scared. I am a single mother of XXXX small children ; that I support by myself and I do not have the financial resources to obtain an attorney and fight them. They went and purchased this debt without any verification from XXXX XXXX and solely on the paper statement from the providers office. This does not suffice that I owe a debt. The statement with the patient account consists of my name in addition to another individual 's name and I am unable to differentiate what belongs to me and what belongs to myself or the other individuals name printed on the paperwork. 

I wrote a statement objecting to the wage garnishment. I am scheduled to appear in XXXX county court on XX/XX/XXXX. The docket number is DC # XXXX. I 'm hoping that someone can please help me. I do not owe this debt ; Pressler and Pressler have violated the fair credit act. 
Sincerely XXXX XXXX
Product: Debt collection

My previous complaint ( XXXX ) with Aldous & Associates was closed without getting a valid response from the company.

As indicated in my complaint, Aldous & Associates continues to state that a fraudulent contract they provided is " proof of a debt " they are trying to collect. The signature on the contract they provided is not my name and not my signature There is absolutely no way I could have known this fraudulent contract existed and there no way that I could have a debt related to a breach of contract that I did not know existed.

Aldous & Associates is threatening to report this as a defaulted debt to credit reporting agencies unless I pay them {$100.00}, but they wont even give me any information on how the {$100.00} was calculated.
Product: Credit card

I purchased an item with my american express card ( with purchase protection ). Item was stolen along with the receipt. American Express 's wholly-owned insurance subsidiary is refusing to pay the claim ( increasing their profits by the amount of the claim ), on the grounds that the receipt is required. My understanding is that insurance companies are intended to use reasonable discretion on this matter -- if a receipt no longer exists, they will work with the customer to find other evidence of the purchase. In fact, a representative did advise me that I could fax in my billing statement as proof, but then they changed their mind. It 's hard to decide whether this is incompetence or outright fraud on behalf of Amex, but I will say the people seem pretty competent ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been demanding Experian to remove 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, and XXXX XXXX XXXX from my credit report. This has been going on since XXXX XXXX XXXX  I never gave them written permission to report these on my credit report. They continue to report inaccurate information. This is identity theft. I have lost confidence in Experian and will no longer extend my credit until everything is resolved.
Product: Mortgage

I applied for a loan modification ( XX/XX/XXXX XXXX, when I got the option back it was {$60.00} more than I was already trying to pay and more than I could afford, as my husband had become unemployed. I tried to contact them ( XX/XX/XXXX ) to let them know our situation changed and that I needed to reapply. But I could not get thru I had to leave a detailed message. I never did get a reply back. I continued to try and pay as much as I could. I called again ( XX/XX/XXXX ), to ask about doing another loan modification after my husband got a job. Then they denied a loan modification ( XX/XX/XXXX ) as I rejected the previous one. I also got my statement and noticed a few of my payments were either applied a month after received ( received XX/XX/XXXX applied XX/XX/XXXX ) or not at all ( XX/XX/XXXX ). So I saw I am 5 months behind, when I am only 3 ( a payment XX/XX/XXXX probably received after notice sent ). I tried to call again, to get that fixed and to question about the denied modification, and After being on hold for 10 minutes I had to hang up.
Product: Mortgage

I AM APPEALING ALL OF THESE ACTIONS AND BY THE RULES, I WILL NOT BE ABLE TO GIVE ANY ANSWER TO THEIR FILING. IF MY APPEAL IS REFUSED THEN WE WILL LOOSE OUR HOME. EVICTION OF THE XXXX XXXX IS AS FAR AS I HAVE READ AN ILLEGAL AND IMMORAL ACT THAT SHOULD BE ORDERED BY THE COURT AS NO CONTEST AND THE SUIT BE DROPPED. ANY HELP THAT CFPB CAN HELP US WITH WOULD BE OF GREAT APPRECIATION AND BASICALLY SVING OUR HOME AND OUR LIIVES. PLEASE CONTACT ME ASAP AND LET US KNOW IF WE HAVE A CHANCE OF STAING IN OUR HOME TO SHOW THESE MORTGAGE BUTCHERS THE RIGHT TO DO BUSINESS. AND THAT AN OLD COUNTRY BOY AND HIS WIFE AINT GON NA GIVE UP SO EASILY, BECAUSE MY XXXX GRADE MATH SKILLS BEATS OUT THEIR XXXX GRADE MATH IN THIS XXXX SINCERELY,. XXXX AND XXXX XXXX CELL PHONE XXXX HOME XXXX XXXX OTHER CELL PHONE XXXX PS,, THE FIRSTCOMPLAINT GIVEN TO THEM OF THEIR MISTAKE AND DEFAULT WAS TOTALLY IGNORE BY THEM ONCE THE CFPB HAD CONTACTED THEM. PLEASE DO SO AGAIN AND SEE IF THEY CAN DO THE RIGHT THING AND STOP THE CONTINUE OF THIS FORECLOSURE AND GIVE UP THE DEED
Product: Money transfer, virtual currency, or money service

Hello, I bought an XXXX from XXXX XXXX  using paypal and the phone turned out to be stolen so I returned the phone back but I never got the money back. It's been a while and now I'm filing a complaint here so we can get this fixed asap. Thank you and have a great day. Transaction ID is XXXX and my email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a medical debt that went into collections with AR Resources. I paid the debt of {$220.00} in XXXX of 2019 and have the transaction code ( AR Resource term ) they gave me as proof of payment. It is transaction code XXXX, that is the code they gave me as proof of my {$220.00} payment. The debt has been on my credit report this whole time and I have worked diligently to get it removed. It was not removed however. XXXX XXXX found the information of the debt to be correct!! So AR was telling them I still owed the money. AR has not submitted any information to remove this debt from my credit report. They refuse to help me at all with my credit situation. Please help me get this information off of my credit report.
Product: Credit reporting or other personal consumer reports

The dates on this report are incorrect on when it was last active. This account needs to be removed from my credit report. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debtt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting or other personal consumer reports

Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$980.00} XXXX XXXXXXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a transfer from my account in XXXX to my Chase checking account in the amount US {$20000.00}. By mistake I typed one wrong number on the receiving account. 
Immediately I notified my bank in XXXX of the mistake, and they in turned immediately contacted Chase to rectify the problem.

In the transfer document my account name was clearly shown, I was under the impression that before consumating the transfer, the receiving bank ( Chase ) would confirm the name and the account match.

In any case I have been in touch with Chase, spoken to several people at various levels and I am told that nothing can be done, that I should try to contact the receiving party, seems like the money was deposited in someone else 's account in California. 

Although I have tracked the person in California and have been unsuccessfully trying to contact them for a while now, I don't feel I should be dealing with this person. 
I feel Chase is not helping rather trying to make the problem go away and not confronting their responsibility in the matter. 
They should have confirmed all information before accepting the transfer, and if something did not match rejected the transfer. 

Kindly advise if there is anything that you can help or if you suggest I seek legal advise. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is discriminating against me as a XXXX XXXX XXXX and not reporting my Account as Settled within the " Payment Status '' Section of each Credit Report and, thereby, causing a negative impact to my credit reports which are not reflecting the payment had been made on XXXX. Account was Settled and should reflect this status within the " Payment Status '' area to properly update the Algorithm data to properly increase my scores vs. only placing the payment status in the 'comments section ''. Updating the " Payment Status '' section of the Credit report should reflect " Account Settled '' When I spoke to XXXX they claimed they would place an updated document on my Portal this week, however, it never happened. 

I also reached out to XXXX XXXX XXXX, XXXX on last week XXXX XX/XX/XXXX, who took my payment on behalf of XXXX for {$690.00}, stated that they notified XXXX in XXXX that the Settlement was Paid and they were responsible for updating my Credit Reports, however, XXXX has not updated my Credit Report to reflect the XXXX Account ending XXXX was " Settled ''
Product: Debt collection

Debt is not mine when ask to validate they sent over a bill statement with wrong address and name
Product: Debt collection

On XX/XX/XXXX I spoke with XXXX XXXX letting them know that the dates on the last statement I received are incorrect. XXXXXXXX XXXX charge me for bills at a property I wasn't residing at. I moved out on XX/XX/XXXX, my eviction was scheduled for XX/XX/XXXX, XXXX XXXX has me moving out XX/XX/XXXX charging me XXXX in bills I wasn't using. This is unacceptable and unprofessional.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Late Payments on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX Team, I am submitting this complaint to dispute the inaccurate or unverifiable reporting of late payments on my credit report related to my account with XXXX XXXX  XXXX ( XXXX ). These late payments are negatively impacting my credit profile and, upon review, I believe they may violate the following federal laws : 1. 15 U.S.C. 1666 ( b ) : This provision requires creditors to investigate billing disputes and correct errors. If the late payments stem from billing inaccuracies, I request that the creditor be required to investigate and address this issue.

2. 15 U.S.C. 1637 ( b ) : Creditor must provide clear and accurate account statements.If the required notice of due dates were unclear or not properly provided, the reported late payments should be corrected.

3. 15 U.S.C. 1681s-2 : Furnishers of credit information are legally obligated to ensure the accuracy of the information they report. If the late payments can not be fully verified as accurate, they must be removed from my credit report.

4. 15 U.S.C. 1681i : Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to request a proper investigation. 

I am requesting CFPB 's assistance to ensure the creditor conducts a proper investigation, verified the accuracy of the reported information and corrects any inaccuracies. 

Thank you for your time and assistance Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXXdischarged Filed on XX/XX/2017 Reference number : XXXX
Product: Checking or savings account

When making a contribution to my HSA account through an electronic draft of my bank account, The provider says the transaction may take 5-7 business days to process. While this seems reasonable, the money is deducted from my bank almost immediately, but takes at least 7 business days to show up in my HSA account.

This seems unreasonable to me and makes me think that the company is profiting by holding my money as long as possible and not making my funds available to me.
Product: Checking or savings account

We open a Business account with Truist Bank on XX/XX/2022, Deposit XXXX cumple day later they tell me that my account will be closed, since that they I have txt msg with the president of the bank say she will be give me my check back and nothing yet Is been 5 month not recieved anything, they send my information to the XXXX  I don't know why, I have not recieved nothing.