23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I am a single mother and have been constantly harassed by this land lord of XXXX XXXX apartments ( XXXX XXXX ). 

He has harassed me with pay or eviction warning notices on my door mostly monthly even though I paid my rent on time monthly. He has sent me a thirty day notice to quit without cause on XXXX XX/XX/2019 taped to my door two months before my lease ends. Telling me to vacate the premises within thirty days. When I asked him why is he forcing me and children to leave our home and why is he breaking my lease he responded, " I don't owe you an explanation its no cause. I packed up my things and moved as he asked and was moved out of the apartment on XX/XX/2019. I turned in the keys to the apartment and went my way, there were no damages and the place was fine. XXXX comes and I find out they served me and eviction for not paying XXXX rent. 

I was no longer living in the unit they had kick me out. I went to court gave the judge my proof and they closed out the eviction and dismissed the case. The land lord is still harassing me year later with letters and emails saying I owe him money for breaking my lease. He put it on my credit report Fair & Out Collections XXXX XXXX. I don't Owe him anything even the court told me they close it out I don't owe. He doing this on purpose because he is XXXX don't like me and he knows the Nevada doesn't give you a place in your name if you owe any property. 

I really want this removed from my report and for the harassing emails and letters to stop.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safe guard my information.

I have received several data breaches of my personal information. These data breaches have resulted in my student loans that have been sold without my permission and a bankruptcy added back to my student loans that was discharged in bankruptcy from a college that closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Re XXXX Method of Verification Request-Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dear TransUnion, I recently received a copy of my credit report and noticed an entry regarding an accounts with XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that I believe to be inaccurate. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am formally requesting a method of verification for this disputed item.

Under Section 623 of the FCRA, furnishers of information to credit reporting agencies are required to ensure the accuracy and integrity of the information they provide. I previously disputed this item with you, and I am now requesting a detailed description of how the investigation was conducted, including : 1. The name, address, and telephone number of the furnisher who verified the disputed information.

2. A detailed description of the procedures used to verify the accuracy of the disputed information.

3. Any documentation or records relied upon in the course of the verification process.

Please respond to this request within the 30-day period as required by law. Failure to provide the requested information will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may also result in legal action to enforce my rights under the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged XXXX for an item I did not purchase. I contacted the bank and reported fraud. They closed my account and reluctantly removed the charge while they investigated. This week I received a letter stating I received benefit and was responsible for this charge. I did NOT make this purchase and did NOT receive anything at all. There was NO benefit whatsoever. This was 100 % fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed a fraudulent account that I did not authorize on my credit report and its preventing me from receiving credit.
Product: Money transfer, virtual currency, or money service

I am writing to express concerns on Zelles handling of disputes especially in light of the CFPB lawsuit. Despite using Zelle and reporting its discrepancies, my financial institution and Zelle did bot adequately investigate my claims. They told me that recovering lost funds was impossible and tracking my transactions was unfeasible. The CFPB findings show that Zelle did not protect its customers and allowed systems to be compromised. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX ; XXXX XXXX, O ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy XXXX  XXXX on all three of my credit reports, XXXX, Transunion and XXXX claim that the data furnisher for this bankruptcy is the United States XXXX  XXXX but I know that is incorrect, I contacted the XXXX XXXX where I live and I was told by the Clerck that the XXXX XXXX do not share or provide information to third party. I asked the court for the information in writing so that I can send it to the credit bureaus and be able to get that bankruptcy deleted. I received the letter in the mail, I sent it to all three credit bureaus and it seems like they ignored the letter and they keep telling me that the bankruptcy is accurate. I know that these companies get this information from another company called XXXX XXXX. The FCRA states that all information on a consumers credit report needs to be 100 % accurate. This bankruptcy is being reported inaccurate. This is a violation of the FCRA and it is breaking the law. I have included the letter from the Bankruptcy XXXX as proof.
Product: Debt collection

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Common Wealth Finance is trying to collect a medical bill that does not belong to me. Amount of debt is XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I made a deposit of XXXX AUD to Gemini Trust company. Due to Geminis wire processing restriction, the funds were held as the sender 's name was my bank 's name instead of my name. 

After communication with Gemini Trust company, they promised to initiate the funds returning transfer on XX/XX/2021. However, on XX/XX/2021, I received a reply email from Gemini Trust Company saying they are still working to investigate this issue. 

The funds returning process should be very straightforward since they already got all my details. For some reason, the funds have been held by Gemini Trust Company for nearly TWO MONTHS.

I hope Gemini Trust Company are holding these funds without any self-beneficial purposes as I wish they can grow like other company in the same industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i sent a letter regarding inaccurate and unknow things on my credit report.to this day i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes. section 611 ( A ), it is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove these items from my credit report its pushing close to 60 days. so, they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. my information was also impacted by the XXXX data breach and may have got onto the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am requesting the following CREDIT INQUIRIES to be REMOVED from my credit report.These have not been authorised by me. CONTACTED EACH OF THESE CREDITORS, and was advised that nothing was found to show that I solicited a credit check in their system. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you
Product: Credit reporting or other personal consumer reports

Delete this Charge-off ( XXXX XXXX account # XXXX ) for inaccuracy because the date last active show XX/XX/2023 on TransUnion, XX/XX/2023 XXXX XXXX and XX/XX/2023.
Product: Credit card or prepaid card

On or about the XXXX week of XXXX, Synchrony Bank charged me my full credit balance with them. This withdrew around XXXX $ from my bank account. I did not authorize this transaction. My account was set to only pay the minimum balance ( around XXXX $ I think ). I called synchrony to fix this issue but they said that it was my fault and the best they could do was issue a check in the mail that XXXX arrive in up to XXXX weeks. 
This was the week before XXXX. The {$3000.00} they pulled from my account was all I had to feed my family of XXXX. I disputed the transaction with my Checking account bank ( XXXX ) who took up my case and was able to get me my money returned minus the minimum payment to synchrony that I HAD authorized. 
Fast forward to the XXXX or XXXX week of XXXX. I saw that synchrony had double charged my account for the refund I made causing me to look as if I had been refunded twice the amount that I was. 
I called synchrony once again and they told me it was because they had mailed me a check for that amount a month before and they were expecting me to deposit it back into that account. I have never received that check and told the synchrony representative as much. The representative told me they would cancel the check and credit my account for the money that the check was supposed to pay out. He said the transaction would take about XXXX to XXXX weeks for the refund to hit my account and that they were going to refer what happened to their investigations department in a manner that seemed they were implying I was being dishonest with them. XXXX weeks came on XXXX. I called synchrony on XXXX and after fighting their service line for over an hour I finally was able to speak with somebody who sounded like she could answer questions. 
She looked into my case and said it was going to be another XXXX business days before I would see my refund. After dealing with this company and XXXX collective hours on the phone with them, I do not trust that they are being honest or conducting fair business practices. I am opening this report because I do not have confidence that synchrony will return the money they are not entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting 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 COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX .... Balance : XXXX ; XXXX XXXX  XXXX XXXX .... XXXX XXXX {$870.00} ; XXXX XXXX XXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX  XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I wrote Chase Bank to dispute a charge for {$250.00} to XXXX XXXX XXXX on my credit card account on XXXX XX/XX/XXXX, as the charge was done without my permission. The charge is in error as NO TERMS OR CONDITIONS WERE PROVIDED from the merchant regarding their processes & THE MERCHANT CANCELLED THE SERVICES, NO SERVICES WERE RENDERED. 

THE MERCHANT had the card because it was required to book the appointment. THE MERCHANT arrived on the day of the appointment and took our dogs to their grooming van. Within minutes, THE MERCHANT informed us THEY COULD NOT PERFORM the services, unless we agreed to shave the dogs. We tried to discuss alternatives, to which THE MERCHANT REFUSED. THE MERCHANT informed us they would be charging our card for the services, despite the fact THE MERCHANT cancelled the services & NO SERVICES WERE RENDERED. 

The requirement to shave our dogs came as a complete shock to us. The first we were told of this was at the time of the appointment. At no point were we informed prior to the appointment or at the time of booking that there was any requirement or possibility of shaving our dogs. The groomer charged our card, without our consent, even though no services were rendered. We were scammed & Chase Bank is FULLY supporting the groomer 's scam. 

Chase Bank denied the dispute and the dispute was then appealed on or about XX/XX/XXXX. The Bank still came back and stated they maintain their decision in the dispute. When we asked for their evidence as to why they believe the charge was valid, they refused to provide this information because they stated they did not have any evidence. How do you reach a fair or sensible decision on a dispute without having any evidence? The Bank maintains that we owe the amount of {$250.00}, which we absolutely refuse to pay as this charge is in NO WAY valid.
Product: Money transfer, virtual currency, or money service

During the pandemic I decided to open up a XXXX account. I decided that I would use coinbase since it is was a publicly traded company and the largest in the industry. When I signed up for the account they offered a wallet to store my funds. I figured since I was using them to buy crypto it would only make sense for me to use there wallet for security reasons. Over the last 2 years I been buying crypto and moving the funds to my Coinbase wallet until just recently when I upgraded my new iphone. When I recently went into the wallet I noticed that the app had been updated and it was not allowing me to login like I used to. It was now asking for a 12 word phrase which I do not recall ever getting and that I needed to retrieve from my icloud backup. When I did that it give me a 12 letter password that I use for most of my logins for other things. However, Coinbase wallet said it was incorrect. When I contacted Customer Support they claim that they dont support the wallet and if I do not have the 12 letter phrase I would lose all the money in the wallet which I estimate is {$12000.00}. I don't understand how this is possible especially for the least sophisticated crypto user. It seems criminal to me that I can be out all this money because they updated their app or I updated my phone. I don't know which of the 2 reasons is true. Maybe both. I really need help with this I can not afford this money that I invested. When I went online it seems that many people have experienced this exact issue with coinbase wallet. Now peoples hard earned money is floating around in the crypto universe. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY HOUSE WAS BROKEN INTO A FEW YEARS AGO AND THEY STOLE MY PERSONAL INFORMATION AND MY FAMILY INFORMATION AS WELL. THEY HAVE OPEN LIGHTS IN MY NAME AND NOW I SEE A PHONE BILL. CAN YOUN PLEASE REMOVE THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX, I contacted XXXX, Transunion and XXXX, contesting the inclusion of an erroneous bankruptcy on my credit report. I was asking the agencies the method of their investigation. I received no response. According to 15 USC 1681a- ( e ) " mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information.

According to 15 USC 1681 ( a ) ( 4 ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' This also is an infringement upon my right to privacy. Also, according to 15 U.S. Code 1681b ( a ) ( 2 ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on my credit report.
Product: Credit reporting or other personal consumer reports

After multiple disputes with Experian submission for method verification was sent. Experian failed to respond or correct the ongoing reporting error. 

The other two credit bureaus do not show this information, and the inaccuracy continues with Experian.
Product: Checking or savings account

On XXXX XXXX, my checking account was charged XXXX by my bank ( bank of Hawaii ) for a nondescript service encl fee. The same charge was made to my account on XXXX, and the bank would not allow me to file a dispute. I would appreciate it if you could help bring closure to this by helping me recover the lost funds. Its not fair for banks to charge customers random service fees during the height of the covid-19 pandemic.
Product: Credit card

I have about XXXX XXXX points missing from my Chase XXXX XXXX card. I have been told by Chase that the points I see on my account ( screenshot attached )- which clearly shows I have XXXX points - represents the points I have earned over the life of the account and that I only have about XXXX points that I can use. However I have never redeemed points and have not been given an explanation for where the XXXX points have gone. I have included XXXX screenshots showing I clearly have XXXX points and XXXX screenshot showing that I only have XXXX when I go to use them. The remaining attachments are my secure messages with chase where they tell me nothing is wrong and never provide an explanation for where the points have gone. You can see on the fourth attached secure message to chase that they said they will " no longer respond to this specific inquiry '' so without explaining where the points have gone they have also told me they wont respond to me any further about this matter. My only recourse at this point for an explanation is a CFPB complaint.
Product: Mortgage

XXXX XXXX Mortgage transferred my mortgage loan to Mr. Cooper. I had set up an auto pay with my checking account with XXXX XXXX Mortgage. When I received notice from them that my loan transferred I called to verify my payment would not be deducted and was told incorrectly that the auto pay would be disabled and no payment would be taken. I paid the payment to Mr. Cooper as the letter instructed. Apparently without my consent XXXX gave or sold my private checking account information to Mr. Cooper who AFTER I already made my payment took it upon themselves to reach into my checking account without my permission and take another payment from my checking account. While the payment was still pending with my bank I contacted Mr. Cooper who said they had gotten the info for auto pay from XXXX. I told them that I already made the payment and most importantly DID NOT give them my checking account information nor permission to automatically deduct anything from my personal checking account. XXXX from Mr. Cooper stayed on the line while she connected me with my bank. After much discussion we learned that I had to put money in to cover the payment, then stop payment. Which I did. Now Mr. Cooper has the nerve to charge me for a returned check. I never sent them that check they fraudulently dipped their hand into my personal checking account after getting my personal info from XXXX and tried to steal a second payment. I also had to pay {$20.00} to stop the fraudulent payment that they tried to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 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 submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$460.00} XXXX  XXXX Balance : {$860.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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