23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My blockchain.com account that has already been verified went unverified and I sent them. Id card my information again only to put me under review and have been unable to send out my coin or trade am literally unable to access my funds
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. I am writing to express my extreme frustration and disappointment in the way my identity theft dispute has been handled by your bureau. It has been an unreasonably long and arduous process, with repeated denials despite the clear evidence I have provided. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from 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
Product: Credit reporting or other personal consumer reports

In accordance with 73 P.S.201-1-201-9-2, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. Inquiries that I have not authorized also have affected my credit standing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information held by Equifax has been breached. My identity, and subsequently my credit, is now compromised. From Equifax : " On XX/XX/XXXX, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. Upon discovery, we acted immediately to stop the intrusion. The company promptly engaged a leading, independent cybersecurity firm which has been conducting a comprehensive forensic review to determine the scope of the intrusion, including the specific data impacted. Equifax also reported the criminal access to law enforcement and continues to work with authorities. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX. ''
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Dear CFPB, I am writing because I am being unfairly harassed and sued by Profession Finance Company on behalf of Colorado XXXX XXXX XXXX for emergency medical services provided XX/XX/2017. 

I was fully insured at the time of service by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MA XXXX Phone : XXXX Group # : XXXX That insurance information was provided at the time of service and several times there after AND The insurer has agreed to accept the claim even though it it late if the provider just resubmits it AND In a conference call with XXXX XXXX XXXX XXXX and a my insurer, a XXXX representative explained that only the provider can submit or re-submit the claim AND The XXXX XXXX XXXX XXXX representative agreed to resubmit the claim but never did so. 

The non-payment is therefor the sole responsibility of Colorado XXXX XXXX XXXX and PFC who have been negligent in failing to properly submit ( or re-submit ) this claim as instructed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I, SENT EXPERIAN A NOTICE OF LIABILITY TO BLOCK AND REMOVE ALL INACCURATE AND INCOMPLETE INFORMATION BEING REPORTED ON MY FILE DUE TO IDENTITY THEFT, ALONG WITH MY FTC IDENTITY THEFT REPORT, OUTLINING MULTIPLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681c-2 ( a ) 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. IT HAS BEEN PAST 4 BUSINESS DAYS, AND EXPERIAN HAS FAILED TO BLOCK THE REPORTING OF THE UN-AUTHORIZED ACCOUNT ( S ) IN REFERENCE THAT ARE STILL FRAUDULENTLY REPORTING ON MY FILE, WITHOUT PROVIDING ME WITH THE DOCUMENTARY EVIDENCE THAT WAS USED TO MAKE SUCH LEGAL DETERMINATION, TO CONTINUE TO FRAUDULENTLY REPORT INACCURATE AND INCOMPLETE INFORMATION ON MY FILE. PER 15 USC 1681b ( a ) ( 2 ) EXPERIAN HAD NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT BECAUSE I, NEVER GAVE THIS AGENCY MY WRITTEN INSTRUCTIONS TO FURNISH A CONSUMER REPORT AS THE CONSUMER. I NEVER GAVE THIS AGENCY MY WRITTEN CONSENT TO REPORT THE ATTACHED LISTED ACCOUNTS ON MY CONSUMER REPORT. EXPERIAN VIOLATED COMPLIANCE PROCEDURES PER 15 USC 1681e ( b ) ACCURACY OF REPORT AND FAILED TO CORRECT THE RECORD. EXPERIAN IS NOW WILLFULLY NON-COMPLIANT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Mortgage

M & T Bank is very aggressively attempting to force place insurance on my property. They have now moved to retroactive insurance. This time, they are specifically attempting to force place retroactive insurance because I allegedly did not have the correct type of insurance from XX/XX/2020 to XX/XX/2020. They are threatening to buy insurance for me that they claim is much more expensive than my insurance and may cover much less. There is no date listed by which I have to fix this issue. They simply state that it must be done immediately. I just got this in the mail today and will call my insurance tomorrow to fix it in order to avoid them buying insurance for me, as I have done the dozen other times this has happened. I get a harassing letter from M & T Bank like this about every 2-3 weeks. I have threats to force place insurance because my coverage wasn't high enough. It was high enough and my insurance company sent them a copy of the state law to show it was high enough. I got a threat to force place coverage because the unit number was missing from my address. I had my insurance company humor them by sending a copy and making sure it had the unit number. Then I got another harassing letter saying now that there is a unit number on my insurance, it isn't valid because it doesn't match the address they have on file because it doesn't have a unit number. I got a harassing letter saying I needed to have a different type of coverage. I switched to they type of coverage. I actually didn't mind because it ended up saving me money. Now they're asking for retroactive coverage for that different type of insurance because they don't have proof that I had that specific type of insurance between XX/XX/2020 and XX/XX/2020. I'll fix this issue immediately and I'm sure they'll come up with another reason to threaten me with force placed insurance. I did some research and it looks like that have had several class action lawsuits for exactly this and it looks like they're doing it again. One additional detail worth mentioning is that federal law requires that if a company is going to force place insurance they must provide a warning 45 days in advance and a second 30 days later and 15 days before purchasing the insurance. Since this is the second notice, my guess is they're using that XX/XX/2020 and XX/XX/2020 to get around that. My worry is that even though I will fix it tomorrow, they could just as easily pick another random set of dates in 15 days. Why are they allowed to do this to people?
Product: Checking or savings account

Hello, I have an account package with PNC Bank. The account package is called XXXX XXXX with XXXX XXXX. 
I opened the account online on XX/XX/XXXX. At the time of opening the account, the information provided to me was that the minimum balance to be maintained in the combined account package was {$5000.00} for the monthly fee to be waived. 
The account package consists of the following XXXX accounts XXXX ) SPEND ; XXXX ) GROWTH ; and XXXX ) RESERVE. 
Subsequently, since the time of account opening until this day, I have consistently maintained more than {$5000.00} combined balance in my account package ( SPEND + GROWTH + RESERVE ). 
During the months of XX/XX/XXXX and XX/XX/XXXX, due to personal reasons, I did not get a chance to review my monthly account statements. 
At the next review of my account statements, I noticed that a monthly fee of {$25.00} per month was debited from my SPEND account for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Despite maintaining more than the required minimum balance of {$5000.00} during all these months, I was erroneously charged a monthly service fee. 
When I reached out to the PNC customer service team, the monthly fee for XX/XX/XXXX was refunded to my account but they refused to refund the fees for XX/XX/XXXX and XX/XX/XXXX by stating that the balance maintained in the " GROWTH '' account does not count toward the minimum balance requirement. 
This new information is inconsistent with what was provided to me at the time of opening the account. 
Furthermore, the monthly statements also clearly show that I have maintained more account balance than the required minimum of {$5000.00} per month to waive the fees. 
Please review the attached account statements to verify the minimum balances maintained during these monthly periods. 
I have reached out to the PNC bank several times and all of the representatives that I have spoken to have refused to refund the service fees that were charged erroneously in the XX/XX/XXXX and XX/XX/XXXX periods. 
I request the officers at the CFPB to enforce PNC Bank to honor their account terms as communicated at the time of account opening. Consequently, as I have complied with their account terms of maintaining the minimum balance to keep the account fee-free, I request the CFPB to direct the PNC bank to credit the erroneously charged service fees of {$50.00} ( {$25.00} for XX/XX/XXXX and {$25.00} for XX/XX/XXXX ) back to my PNC Checking account as soon as possible. 
I sincerely thank the officers at CFPB for your assistance in this matter.
Product: Credit card or prepaid card

I initiated a customer service chat with citibank on XX/XX/18 and was told that Citi does not reveal accrued interest to customers using the website ( which is the only way I can see my account, pay bills, etc ). I am being charged interest without being told when or how much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letter since XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive got notes on the attachments but j need to personally go through the with someone to have it fully understood properly.
Product: Debt collection

We have a line of credit with Wells Fargo to finance a home improvement. The line of credit was set up interest free as long as we made the min payment. Wells Fargo set up the account and the min payment amount and when doing so we were told that the min payment amount was set to ensure timely payment of the entire debt. Our outstanding balance at the end of XX/XX/2020 was just over {$14000.00}. In XXXX XXXX added almost {$10000.00} in interest payments to the account. When we followed up with XXXX they said that the line of credit was interest free for only 15 months and if we didn't pay in full by the end of the 15 month period then we were subjected to back interest. Not only was this not what we were told when the account was opened there was no notice in the XXXX statement that this interest payment was going to happen in XXXX. We are disputing this with XXXX but getting the run around. In the mean time they are still charging us interest on not only the original balance but the $ XXXX in interest charges as well.
Product: Money transfer, virtual currency, or money service

I was applying to jobs on XXXX and I was accepted for a remote position job on XX/XX/XXXX and began the hiring process. After going through the process I was then informed I needed to have a computer and other things and the company will provide them to me. Instead of the company sending me the required materials, they sent me a check for {$4900.00} to deposit into my account to buy the equipment. I deposited the check on XX/XX/XXXX. The next day they sent me the information of the supplier in florida to order the equipment from. I then began sending the supplier the money and they requested I send it through XXXX. Once XXXX reached its limit the supplier then began to request the remainder of money from the check in the form of gift cards from XXXX. At that point I then started to realize something was wrong and contacted Wells Fargo that I may have been scammed. The agent told me the check would be reversed and reimbursed as I had called within XXXX minutes of making those XXXX transactions. She also told me Wells Fargo would begin an internal investigation. I received a letter that they are still investigating and as of XX/XX/XXXX I have not still not heard any other response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed on a mortage In XX/XX/XXXX with Cardinal Financial ; I sent off my mortgage payment off in the amount of {$1500.00} every month on time ; Sometime in XX/XX/XXXX I received a notification on my credit monitoring ( which I get every 3 months due to plan I elected ) stating I missed payment for XX/XX/XXXX and XX/XX/XXXX and was 60 days late. I called Cardinal Financial immediately around XX/XX/XXXX to address the issue and found out the mortgage company switched end of XX/XX/XXXX to XXXX XXXX  XXXX which I was never informed. I informed rep I had my money order receipts showing I paid XXXX, XXXX and XXXX rent on time ; She did research and called me back XX/XX/XXXX ; during that time, a XX/XX/XXXX late had reported to my credit making it 90 days past due ; She stated she would put account in deferment status, adding late payments to back of loan and making account current again but takes a few days to setup ; A few3 days turned into weeks so around end of XXXX early XXXX, my account was current again due to their negligence to inform me that company switched yet I received no money orders back at that time ; fast forward to XX/XX/XXXX, I finally received all money orders back after providing proof and tracing through XXXX and seeing they were uncashed and sitting somewhere undeposited. My loan is now in current status but 4 late payments are ruining my credit and my ability to purchase an investment property
Product: Credit card

I returned two items back to XXXX on XX/XX/XXXX for {$67.00} through XXXX. XXXX never received the items because XXXX reported the items damaged on XX/XX/XXXX. XXXX reached out to XXXX and sent the claim forms for shein to complete so shein could receive a refund via XXXX. I reached out to XXXX numerous of times and XXXX stated they would not complete forms and they will give me my refund once they received the items from XXXX. I told them the items had been damaged per XXXX. I used Klarna to pay for the items.I reached out to my bank and Klarna for XXXX refund. Klarna wouldn't give me as refund but my bank did. Klarna keeps saying they are investigating this claim but still there has been no help. Klarna has froze my purchase power/credit limit and will not unfreeze it. Please see screenshots below and tracking number is XXXX.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXX Amount : {$220.00} Date of Last Contact : UNKNOWN Dear Sir/Madam, I am writing to dispute the validity of the debt you are attempting to collect as it pertains to my account referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, I request that you provide me with the following information : XXXX. Validation of Debt : Please provide validation of the debt amount, including a detailed breakdown of all charges and fees. 

XXXX. Verification of Creditor : Please provide verification of the creditor to whom the debt is allegedly owed. 

XXXX. Proof of License : Please provide proof of your license to collect debts in FLORIDA. 

XXXX. Verification of Contact : Please provide verification of the date and method of your last contact with me regarding this debt. 

XXXX. Cease Communication : Pursuant to 15 U.S. Code 1692c ( c ), I request that you cease all communication with me regarding this debt until you have provided the requested verification and validation. 

Please be advised that I am aware of my rights under the FDCPA, and any further collection attempts that do not comply with the Act will be reported to the appropriate authorities. 

I expect your prompt attention to this matter and a response within XXXX  days as required by law. Failure to comply with this request will result in further action on my part to protect my rights. 

Sincerely, XXXX XXXX
Product: Debt collection

This medical bill is not mines and I have contacted the necessary companies and explain that I would like this information removed due to the hindrance it is causing me. 
In addition the information Is being reported inaccurate on XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate account listed on my credit report. After reviewing my file, I discovered an account that does not belong to me, and its presence is negatively impacting my financial standing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, unverifiable, or improperly reported. Consumer reporting agencies are required to ensure all data is accurate, fully documented, and compliant with legal reporting standards. If this account can not be verified with proper evidence, it must be removed immediately. Please investigate and provide documentation proving the validity of this account. If verification is not possible, I request its immediate removal from my report. I appreciate your prompt attention to this matter and look forward to your response.