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

I received a U.S. Bank ReliaCard debit card in the mail. I have not been able to contact the U.S. Bank ReliaCard division, as they do not answer the phones. The card seems to be related to unemployment benefits ; however, I am not unemployed, nor did I apply for this card. My name on the card is spelled incorrectly. I contacted U.S. Bank and was told the ReliaCard is under a different division so they could not help me. They did not have the telephone number for ReliaCard as it is listed on the information I received. There seems to be some fraud taking place and I would like to sp eak to someone to have this resolved.
Product: Debt collection

On XX/XX/XXXX I was having a XXXX. My Sister drove me to XXXX XXXX XXXX XXXX. The nurse came in and she took my information, and then came back to hook me up to an XXXX XXXX. I told her NOT TO because I can not afford it. The nurse laughed, and AGAIN I said DO NOT hook me up to the machine. This is an XXXX XXXX, I have had these before. I just need medication refills, and because I just moved here from XXXX, I do not have a Doctor here yet. The nurse told me she WOULD NOT put the XXXX on my chart, so I do n't have to worry about being charged. ( Not only do I have a witness to this, but I also recorded this appointment on my phone. ) Since this appointment I have been getting " debt collector automated phone calls '' at my parents home. I received a letter in the mail stating that if I wanted to " appeal '' and disagreed I would need to do it in writing. I DID. I also sent that via certified return receipt. ( which I have ) yet the phone calls are STILL continuing. 

I DO NOT OWE this bill, and I am NOT going to pay this bill. 
I paid my {$35.00} co-pay at the time of the visit. I was assured over and over again that the XXXX would NOT be billed, my insurance paid them {$140.00}. XXXX XXXX XXXX XXXX billed a total of {$300.00}. They claim I owe them another {$130.00}. 

PMAB LLC. is a harassing entity with many complaints on the XXXX XXXX site. I have responded in writing to them, and I have even told them my story with XXXX XXXX XXXX XXXX. I HAVE THE NURSE ON TAPE, A WITNESS, and I can identify the nurse who said the XXXX would NOT be billed ( it was routine?? ). 

I am Social Security XXXX, and I have a VERY limited income. This is why I told the nurse NOT TO HOOK ME UP to the machine. 

I ALWAYS pay my bills. But I DO NOT owe this one. 
( XX/XX/XXXX was when I sent my dispute to PMAB. ) I have ALL receipts, I have the Recording, I have all paperwork. 

I want this OFF of my credit report.
Product: Money transfer, virtual currency, or money service

on XX/XX/2023, someone by the name of XXXX XXXX added themselves as a zelle recepient without my knowledge and used my Wells Fargo zelle service and withdrew the amount of XXXX dollars out of my well fargo account and sent it to theirs. Once this transaction was made, I was contacted immediately by the wells fargo 's fraud detection department. There were also addresses that aren't mine added to my account and some of my wells fargo bank related mail were being sent to those as well. The agent asked if this was an authorized transaction, and I said no and he told me that he would cancel this transaction and send me a link to update my id and password. None of these ended up happening and the transactions were eventaully confirmed. So I contacted wells fargo to submit a fraud claim for this transaction and they also helped me close my current account and create a new one. Within 10 days, I was notified from wells fargo that they deemed this transaction authorized by myself and will not be taking any action.
Product: Credit card or prepaid card

To Whom it May Concern, I have repeatedly and fraudulently been charged on a Chase Bank Amazon.com card for a Amazon.com services I do not want and have tried to cancel. 

The problem began in mid-2019, when I learned that I was being charged monthly by Amazon Web Services. The charges were small -- {$1.00} per month -- but because I do not use this credit card for anything, I had no reason to suspect these charges were accruing. When I learned that they were, I filed a formal complaint with a credit reporting bureau. This happened in XXXX 2019, which was also the time when I requested that the service be cancelled. My complaint was rejected with no explanation. Despite my request to close the AWS account and thereby stop the charges, the charges continued without my knowledge or consent through the summer and into the winter of 2019. 

Moreover, in XXXX 2019, Amazon.com changed the way I was billed for a different service ( an XXXX  subscription with XXXX ), moving the automatically-recurring billing from my default credit card ( whose balance is automatically paid ) to my Chase Bank Amazon.com credit card. I did not consent to this billing change and would never have done so. It happened without my knowledge or consent. 

As a result, I ended up with a delinquent account that has severely damaged my credit. 

Finally, I feared something like this might happen. In XXXX 2019 I made an extra payment to Chase Bank ( I owed something like XXXX dollars and paid XXXX ) just so that I might have a credit cushion in case of further unauthorized charges. Chase Bank then refunded this credit, only to days later charge me for being past due and late in my payments. This is outrageous and unfair. I believe that Amazon.com and Chase Bank are engaged in highly deceptive practices. 

My hours on the phone with Chase and the credit reporting bureaus have been wasted, as I am simply transferred from Customer Service to Disputes over and over, back and forth, with nobody able to explain why any of this happened or provide me with any form or redress. 

I fear I may lose my house over this -- over a {$1.00} charge that I cancelled, but which was repeatedly billed without any explanation. And I have a fifteen-month old! The experience has been distressing, and the results could be catastrophic for me and my family,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have reported inaccurate and incomplete credit information. 

This account was paid in full prior to XX/XX/2017. 
I am asking that this account be verified or removed immediately. 
Target # XXXX Thank you.
Product: Credit card or prepaid card

XX/XX/XXXX a charge appeared on my capital one XXXX for {$4100.00}. I Paid the entire bill including some other small charges thinking my husband made the charge. Then next day I realized it was an incorrect charge, I immediately called capital one to dispute it. I also disputed several other charges for {$28.00}. The credit card co later found I had already disputed the {$28.00} charges and was credited for them so they reversed the second credit. At the time of the dispute the person I spoke with told me I would have to wait 3 months to get my {$4100.00} back unless the company responded. A month later I called to see the status and I was told a check could be issued. I never received the check so I called again and was given a different story. Now 3 months later I am told I have to still wait because the {$28.00} charges were not settled. The two disputes have nothing to do with each other and the {$28.00} charges were settled they charged them back to my account. Now they want me to wait until XX/XX/XXXX and then they will review it and possibly get back to me by mid XXXX. This is absurd. I have told them the charge was an error and the company was aware of it. It was paid by a different credit card. capital one should not hold my money for so long. I would like this amount plus interest returned immediately. Every time I call I get a different story. They now tell me that I could have had that money returned within a couple of days if I had asked for it. I did ask and was told it would take several months. Because I did not use the exact terminology they are getting away with this on a technicality.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account from XXXX and TransUnion continues to report a {$3900.00} balance. This amount is incorrect. The correct balance is at or around {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

these people should be prosecuted and put in jail for what they do to people. 
I HAVE NEVER BEEN LATE NEVER MISSED A PAYMENT ON ALL OF MY 6 CREDIT CARDS AND CAR PAYMENT! I DO NOT HAVE ANY COLLECTIONS BUT MY SCORE IS NOW XXXX THIS IS WHY PEOPLE GET THESE CREDIT CARDS AND CREDIT AND DO NOT PAY, BECAUSE EVEN IF YOU PAY ON TIME OVER WHAT YOU ARE REQUIRED THEY KEEP YOUR SCORE LOW I HAVE HAD IT AND I AM SUEING THEM THIS IS REDICULUS, SO IF THEY CAN NOT KEEP YOUR SCORE LOW BY YEARS OF FALUSE MEDICAL BILLS THEN ITS INQUIRES NOW THEY ARE GOING AFTER USE WHY WOULD I GET A CREDIT CARD NOT TO USE IT? 
THIS IS ALL A SCAM FOR YEARS THEY PUT FALSE MEDICAL BILLS ON MY CREDIT THAT KEPT ME FROM BUYING A HOUSE CARS EVERYTHING THEY WOULD TAKE THEM OFF THEN ANOTHER COLLECTION AGENCY AFTER 7 YEARS WOULD SUPPOSEDLY GET IT AND PUT IT ON AGAIN AND AFTER YEARS OF FIGHTING TO GET THESE FRAUDULENT CHARGES OFF I COMPLAIN BECAUSE THEY PUT FRAUDULENT INQUIRIES ON MY REPORT NOW THEY ARE TRYING TO GET ME BACK FOR USING THE CREDIT I WAS GIVEN BECAUSE AFTER GETTING A CREDIT CARD IF YOU USE IT YOUR SCORE IS LOWERED WHAT KIND OF SCAM IS THIS NOW? why would you get credit not to use it these are all just scams that have to be stopped these people need to be put in prison
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX FCRA, XXXX has not provided validation or proof of ownership of this debt as previously requested. Remove this account from my credit report. 

XXXX Report XXXX XXXX Date Generated XX/XX/2024 2024
Product: Checking or savings account

Hello, I recently filed a dispute or claim regarding the incident that took place at XX/XX/2020 around XXXX XXXX  at an ATM associated with XXXX XXXX XXXX XXXX. I used the XXXX ATM to deposit cash precisely {$210.00} dollars into my Navy Federal checking account and basically the ATM Shutdown on me as you can see in the picture. It did not provide me with a receipt. It never showed on my statements, so basically it just ate my money. I filed a claim with Navy Federal and they gave me the {$210.00} dollars back but apparently the Navy federal representative for the fraud department told me today that the {$210.00} dollars that navy federal gave me was just provisional credit and that XXXX told navy federal that it did not see my {$210.00} dollars on their ATM audit in which today navy federal took back the money in which i dont understand because the machine took my my money and did not give it back which I dont understand. As you can see in the picture it says the date i took the picture of it shutting down on me. That is my proof of evidence.
Product: Credit reporting or other personal consumer reports

COMENITYXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Was removed from my report after investigation and determined it was fraudulent. However although I received a letter saying inquiry and account was being removed, its still reporting as open and reporting late payment which is affected my credit report and score .According to the FCRA , credit reporting agencies are prohibited from reporting inaccurate or incomplete information ( 15 U.S.C . 1681e ( b ) ). Additionally, the Consumer Financial Protection Bureau 's ( CFPB ) guidelines state that credit reporting agencies should not report late payments on accounts that have been paid or closed ( CFPB Bulletin XXXX ) .Moreover, the XXXX XXXX reporting guidelines, which are widely adopted by credit reporting agencies, specify that accounts should be reported as " paid '' or " closed '' once they have been satisfied, and that late payments should not be reported after the account has been paid or closed. Please investigate this matter and correct the error as soon as possible. I would appreciate it if you could also provide me with a corrected copy of my credit report.
Product: Credit reporting or other personal consumer reports

It is Experian 's duty pursuant to the FCRA, it is Experians to be reporting correct and accurate information on my credit report and file, however they are NOT. Experian is reporting 1 inaccurate late payment for the XXXX Account account ending in XXXX. These include a 30 day late payment posted in XX/XX/2023 XXXXThis is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in Experian violating my federally protected consumer rights. To add to this, I did NOT give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax released my personal info to unknown person ( s ) without my permission. They did not do enough to secure my personal information from theft from their servers. They did not attempt to notify me when it occurred. They have offered limited ( 1 year ) of fraud protection, if I wave my right to pursue any legal action.
Product: Money transfer, virtual currency, or money service

I had a account with Crypto.COM and my account was hacked, all the cryptocurrencies were converted to Bitcoin then transferred to someone else 's account. I have been getting the runaround since the day it ocuured Monday XX/XX/2021. I have sent a number of emails and have received very little information back from Crypto.com. My responses have been " we will get back to you in a day or so ''. I have yet to here from them with an answer of what they intend to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the three credit XXXX  transunion, XXXX. I talk to them around XXXX 2017-XXXXXX2017 ..
Product: Money transfer, virtual currency, or money service

XXXX XXXX transferred {$19000.00} XXXX to my Chase checking account on XX/XX/year>. Chase rejected the wire & sent it back on XX/XX/year>. Called Chase every day to ask where is my money! Called XXXX XXXX & XXXX only to get the same answer. It was wired on XX/XX/year>. Wires are instant in most cases. Today I spoke with an agent in Chase Wire tracking department. He informed me that a code was missing for the wire to be sent back and was added yesterday. ( XX/XX/year> ) So for 5 days the wire was not initiated due to human error!! 
Nobody at Chase called to advise the wire was rejected! Nobody at my branch answered the phone a week prior to the transfer so I could talk about the incoming wire. My $ XXXX is still floating around a week later and I am not receiving interest on it at 5 % accrued daily. Unacceptable business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017 , I sent Transunion a lette r 3 wee ks prior regarding several inquiries that were not authorized by me. I wanted to check the status the representative then sent me to a supervisor. Supervisor was extremely rude. I asked him if any of the inquiries were coming off because I am going to open a new account but do n't want them to open the account and issue me high interest due to inquiries that were not mine. He told me none of the inquiries were coming off. I advised him several times that they were not authorized by me. He told me to contact the companies, which I already did. Those companies advised me to dispute with Transunion. He told me he and the company refused to delete them. He advised me to make a police report. I do not have time to make a police report for something that happened without my conse nt 1 or m ore years ago. I tried to explain this to him and he completely refused to honor my request. I am trying to rebuild and establish new credit, these inquiries are preventing that.
Product: Credit reporting or other personal consumer reports

Delete the account 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
Product: Debt collection

This debt was fraudulent and I requested information many times and they refused. I received many threatening phone calls and they wont stop. 
I have tried to dispute it online but get no response. After looking up a specific law " 15 usc 1692c ( c ) '' I believe this should be removed from my credit report as they have not responded to requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a having a look at my recent credit report I noticed thatXX/XX/XXXX, XX/XX/XXXX & EXPERIAN are reporting I was late paying my XXXX credit card ( XXXX - XXXX XXXX ) for the month of XXXX and XXXX. There is also a report of me being late on my XXXX XXXX credit card (XX/XX/XXXX ) on XXXX. I have always paid these accounts on time and I have never been late! If anything there is a chance that my payments did not clear by the statement date and if I was late, with the pandemic and lots going on with my family 's health, I innocently forgot to make a payment. 

I've never received a reminder for my payment or any notifications for a past due amount which I was unaware of. I also tried to reach out to the creditors mentioned above to rectify my concerns but was unable to to get in contact by phone or mail. I also sent dispute letters to the credit reporting agency and received no response so I had no other choice but to file a dispute with the CFPB. 

This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities
Product: Credit reporting or other personal consumer reports

Since ever Ive had problems with Transunion. Every time I want to see my report, theres always and issue with my information. Nobody knows my information better than me. 

I remember years ago to send all my IDs to confirm my identity and yet, I still have, every year, the same problem. 

I submitted a dispute on XXXX about a wrong negativ mark. My XXXX XXXX Loans were on XXXX XXXX since XXXX and forgiven XXXX XXXX For some reason I dont know, the XXXX provided to Transunion wrong information. I reach the XXXX and they told me that I needed to contact Transunion directly which I hate. 

I submitted ALL the proofs to Transunion and nothing has happened. Their website says that I was supposed to receive the report by regular mail and its been almost to month and I have not receive it and my negative mark stills on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  account is now showing open accounts from a Bank of America as of XX/XX/2020. The number on my credit file shows XXXX. I called but was soon disconnected. I did a search on this phone number and it is listing as possible fraud. I have started disputes on the Bank of America credit card accounts that are showing opened and fees due and not paid to date. I did freeze my credit with all 3 credit bureaus back in XXXX of this year. I also tried to contact a correct number for fraud with Bank of America, but since I don't have an account with them, I was unable to reach a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$490.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from a third party or agency.
Product: Checking or savings account

I received a text this morning from # XXXX stating they were SECU ( my bank ) and that they were alerting me to an unauthorized charge for my card ending in XXXX. They informed me to call XXXX to discuss with an agent. When you call the number you are provided with the exact greeting you get when you call SECU. An individual answered the call and asked me for my card number so he could look up the charges. I hung up and then looked on my banking website. There were a total of about 20 charged ( some attempted at {$0.00} ) starting late XX/XX/21 into XX/XX/21. Just wanted to pass this information along since it was unnerving how much the prompting sounded exactly like the real thing! I have contacted my bank directly to inform them of this. 

Thank you, XXXX
Product: Credit card

I opened a credit card with state farm, i should say my mother did but it was in my name and meant to start building my credit. Unfortunately, life got to my parents and i guess they used my credit card to pay for some things. Also, this was when I was XXXX and had n't dealt with bills or any kind of payments, they used my card I did n't. So, with that being said I did n't find out until later, about a year later I would say, that it was written off because they could n't pay for the fees and the total itself. Now I am struggling to get anything whether it is a credit card or a car loan or even a cheaper down payment on my apartment. If it is at all possible It would help me immensely for my credit. I am an honest hard working adult now, pay my bills on time, and am very responsible. It pains me that something so small is affecting my growing credit and halting my progress. I do not have the money to pay the entire amount, if need be I can pay a minimal amount but it would be a world saver for me if this could be taken off.