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

XXXX XXXX XXXXXXXX XXXX has incorrectly reported on my all 3 bureaus that i was late XX/XX/XXXX, and XX/XX/XXXX both 30 days. I have tried to work with this company on getting this resolved and have tried disputing these multiple times with the bureaus.
Product: Money transfer, virtual currency, or money service

I sold a piece of equipment thru paypal. The forced the buyer to use echeck because of the amount and then placed a hold on the funds until XX/XX/13, citing the amount as the reason. Both the seller and me tried to cancel the transaction as he needed the equipment and I needed the money before XX/XX/13. Paypal would not allow us to cancel the transaction. After multiple phone calls and messages on XXXX I called paypal and told them I was going to lose the sell because the buyer needed the equipment for a job the next day and I didnt want to release it without the money. I was told I should release the equipment and that my money would be released by XX/XX/13. My other option was to pay for paypals ridiculous shipping prices so they could track it and they would release the money. It is now XX/XX/13. The buyer has the equipment and I still dont have the money. I was told this morning that it would be released today by XXXX. it is now XXXX and it still has not been released.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX - XXXX - XXXX - XXXX - XXXX - XXXX has violated my rights.

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
Product: Checking or savings account

I would deposit money or pay for something and it says the funds are there and than all of sudden my account ends up in the negative and than being charged with {$35.00} fee everytime and the bank would put on the merchant
Product: Money transfer, virtual currency, or money service

Since XXXX XXXX I have been having problems with my coinbase account and throughout the correspondence, it has been a really daunting experience since as of XX/XX/XXXX, I am speaking to people in another country who have English barriers and unprofessional. I opened my account up in XXXX with XXXX. In XXXX, I opened up another account with XXXX and I saw while in that account that there was {$100.00} invested but I couldn't do anything with it as it just sat there as a reference to my XXXX account while again, I was using my XXXX account. Since I have corresponded with the company to no avail. I get the feeling that it is a game to them playing with other peoples money and saying things one day and refuting them the next day to tire you out so that you may lose interest in your portfolios. The phone number on my account is : XXXX, as the XXXX is supposed to reveal my information that I uploaded : my identification card, my banking information, and all relevant correspondence their cyber security is not appropriate, as anyone in the news since can steal anytime out of your portfolios and Coinbase says that they are not responsible.
Product: Credit card or prepaid card

I called my bank to file a claim on some fraudulent charges on my business account. They closed my debit card and sent me a new one. My merchant sends deposits through my debit card and my deposits are missing from theXX/XX/XXXX when I received and activated my new card. My merchant says they have traced the money back to Wells Fargo and they have definitive proof Wells Fargo has not sent back my deposit and has my money. I have spent over 12 collective hours on the phone and been to the bank at least 4 times. Wells Fargo claims they do not have my money. Somehow {$1000.00} worth of deposits is just missing? My merchant is XXXX. I have been with both companies 7 years.
Product: Debt collection

I received a call at XXXX. I am a remote employee and usually wouldn't answer my phone for personal business. the call had no caller ID at all. No phone number no name. I answered the call. The Collection Agency is California Business Bureau at XXXX Ext XXXX. The Agent 's name is XXXX. The call itself wasn't an issue but when I mentioned that there being no caller ID, she was aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent and unauthorized accounts and credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX. They accounts and credit inquiries are all fraudulent.
Product: Credit card or prepaid card

I was charged a foreign transaction fee on my Citi Double Cash credit card of {$63.00} on XX/XX/2020 for a successfully disputed transaction. Despite over 5 attempts to get my account credited over phone, chat, the bank simple wont process the fee reversal despite it being approved per multiple agents. As it has been over four months since the fee was charged, I have no choice but to file a formal complaint at this time.
Product: Money transfer, virtual currency, or money service

My Friend Hit me Up and Ask me Can He Use My account to receive his funds from unemployment and me being me a good friend i said yes because the unemployment place didnt accept his bank so they put my funds on hold ive been calling for weeks they said that i will receive a call back but never i sent in proof and they still didnt release the funds they just holding my friends money at this point
Product: Mortgage

Starting XX/XX/2017 I applied for a forbearance of my mortgage loan. Throught the 90 day period I paid my required amount to loan care. During this time, loancare tried to charge me a $XXXX professing charge. This item was not stipulated in the agreement. Loancare locked out my online access therefore I could not make payment online. Through out the 90 day period the fee was waived. After 90 days, I agreed to a payment plan and the counselor adviced the XXXX$ fee will not be charged. Everytime i tried to make a payment fon the phone, because the phone is the only way to make the payment due to the fact I do not have access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 60 days I sent you a dispute for hard inquires I didn't authorize with a FTC report stating I been a victim of identity theft, I send out another FTC report 2 weeks ago which they said they didn't received it, I also called and they couldn't help this matter. 


I have filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I haven't received any investigations results.
Product: Debt collection

Hello - Hope you are well. I am writing in a complaint about a company that goes by XXXX, or First Financial Asset Management located at XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX. The company is a debt collector. This complaint is about abrasive ( borderline abusive ) nature of XXXX of the supervisors, by the name of XXXX XXXX ( if I captured it correctly ). The case in question is # XXXX. 

This is a somewhat unique situation, in that the end consumer ( myself ) disagreed that the debt was valid and after over 65 minutes on the phone including a conference call with the original debtor, the debt was considered satisfied in the first place. 

The individual from the debt collection agency, XXXX, was extremely unkind, difficult to deal with, and offered a few statements that could be construed as threats. I kept a level tone through the discussions, despite the fact that he raised his voice. A few of the highlights from our discussion : " You don't get anything for free ; '' Offering unsolicited advice " Whenever people use points, they always come my way. Always pay for things the right way. '' He also stated numerous facts that were either incorrect ( and possibly illegal ). The first one ( which is incorrect ) is that he stated when you chargeback something from a Credit Card, the company does not get a chance to rebut the claim, implying that I had filed fraudulent chargebacks. He also incorrectly stated that the agent had said the debt was valid, and that he heard it on the call. This is false, as the agent had ruled that the debt was not valid. Last but not least, when it appeared we had not come to agreement, I had stated to him that I received his letter on XX/XX/2020, and that I intended to reply in writing that I disputed the debt and wanted to see an itemized description of the debt in question. XXXX informed me that it did not matter, because he was marking in the file that I am refusing to pay, implying that I would be left to deal with the credit impacts. He then offered to take payment, and if the charge was reversed by the client, he would refund the money. This is abusive, misleading, and completely inappropriate. I can only imagine that this takes advantage of more unfortunate victims of this organization.
Product: Credit reporting or other personal consumer reports

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2021 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 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 into the hands of the wrong person.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to formally request the removal of a flag placed on my account, which was first added by INNOVATIVE RECOVERY IN on XX/XX/XXXX, but has now been transferred to XXXX Collection. This matter pertains to my previous residence at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, SD XXXX I have included a copy of my bank statement showing that the check was deducted from my account in the amount of {$1200.00} on XX/XX/XXXX, as proof of payment. Despite this clear evidence, my account was flagged, and I have been unable to resolve this issue despite my repeated efforts. 

During my time living at XXXX XXXX, I experienced significant issues with their office management. XXXX XXXX frequently changed office managers, and each new manager would blame the previous one for missing files or checks. On multiple occasions, I received emails asking me to pay for charges that had already been settled, which caused unnecessary confusion and frustration. This pattern of disorganization and lack of accountability was a recurring problem throughout my tenancy. 

This property is a client of INNOVATIVE RECOVERY IN. I would like to emphasize that I made full payment prior to vacating the aforementioned address, and the payment was successfully deducted from my account on XX/XX/XXXX. Despite this, my account was flagged, and I have made numerous attempts to resolve this issue. 

Over the past months, I have engaged in multiple phone calls and email exchanges with XXXX from INNOVATIVE RECOVERY IN. During these communications, I provided proof of payment, but I was informed that the matter was still under investigation. After XXXX months of no resolution, my account was flagged, which I believe is unjust and inaccurate. 

To make matters worse, since INNOVATIVE RECOVERY IN was unable to collect any money from me ( as the debt was already paid ), XXXX XXXX escalated the issue by sending the collection to XXXX XXXX. This has only compounded the problem, as XXXX XXXX does not have a working phone number for me to contact and dispute the claim. The number provided, XXXX, results in an error when dialed, leaving me with no means to address this matter directly. 

This situation reflects poor business practices on the part of XXXX XXXX and INNOVATIVE RECOVERY IN. Not only was my payment ignored, but the decision to involve XXXX XXXX company that is unreachablehas made it significantly more difficult for me to resolve this issue. I have made every effort to resolve this matter in good faith, but the lack of responsiveness and the inability to contact XXXX XXXX have made it impossible for me to clear my name. 

I kindly request this matter to be investigate and remove the flag from my account, as it is both inaccurate and unjust. I have attached proof of payment and any relevant documentation to support my case. Please consider this a formal dispute of the claim and ensure that this matter is resolved promptly. Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On Thursday, XX/XX/XXXX I deposited my paycheck like I always do through my Chase app. Chase did not release any of the funds as they usually do. The next morning on Friday the XXXX I was calling Chase to find out why and at the same time started receiving text messages regarding fraud. THERE IS NO FRAUD!!! Chase had me locked out of my account!!!!! They have terminated business with me, and would not give me an explanation as to why. I have called Chase at least 15 times begging them to give me my money from my paycheck I deposited. They refuse. They are telling me that XXXX XXXX  ( now XXXX  ) cant confirm the check until the XXXX, which is a lie because I have a printout from XXXX XXXX  ( now XXXX  ) showing the check was cleared. Not only that, when I called the branch in XXXX, it was confirmed by the teller that the check cleared Chase Bank on Saturday, XX/XX/XXXX. The check in question cleared XXXX XXXX  ( now XXXX  ) on Friday the XXXX, and it cleared Chase Bank on Saturday, XX/XX/XXXX. Part of that paycheck was to pay my rent, yet Chase refuses to give me my money. Every day Chase holds my money. I am being billed an additional {$50.00} in late fees. As it stands now, I will not have enough money to pay my rent because of late fees acquired and was told by my landlord I will be receiving an eviction notice. I was left without one single dollar to my name to be able to buy gas to get to work or food.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed A Charge on my credit Report with Transunion over a dozen times! I have a fraud warning on my report which I dont understand why thy removed it without my consent. I last disputed with transunion on XX/XX/XXXX regarding the charge with XXXX XXXX for the amount of {$2900.00} I have submitted manually and electronically through various services such as XXXX XXXX, Also directly with transunion over the phone regarding the disputed information! transunion has failed to supply me with factual accuracy information from this company who has reported against me! I told them that I need proof that the company has a signed contract and identification proving that I am whom they are litigating! I have given transunion over 4 months to properly support this information or remove it and neither is done transunion sent me a report on XX/XX/XXXX with open account information! not a disputed decision And I am demanding that any And all information reported be sent to me on this company behalf!
Product: Checking or savings account

I deposited a check for {$3100.00} into the ATM deposit center XXXX and XXXX  location here in XXXX, TX on XXXX XXXX about XXXX o'clock central time. The check was made out to me ( XXXX XXXX XXXX for a loan that i had agreed on over the phone with XXXX XXXX thinking it was a real loan company and gave him all my banking info., XXXX XXXX SS #, home address and received a FedEx overnight check at my doorstep so i deposited it in my account. Then 5 days later XXXX XXXX i logged into my BofA XXXX XXXX and was prompted to call the BofA risk department. I was told that day my account was on freeze and they couldn't tell me why. I continued to search for an answer and no banking center in XXXX could tell me anything of the reason for the freeze. I called the number on the check to confirm if this check was even legit and found out it wasn't. It was a fraudulent check through the company on the heading. I continued to look for an answer but didn't get anywhere with anyone 's help through the phone and in the banking centers. My direct deposit went in on XXXX XXXX and i am yet as of tonight to being able to withdraw my funds. I have bills to pay with my SS Check and this BofA ( Bank of America ) is making it difficult and has my anxieties, XXXX to the roof! Please help me get this straightened out so i can move on with my life!! Thank you so much!
Product: Credit reporting

Someone in the State of Utah has obtained my personal information. They were even working with my social security number. There were numerous collection accounts showing on my credit report. I have been successful in removing several but not all. These accounts are not mine and I do n't understand why the credit bureau is refusing to remove them. Please advise as to how i can have these removed as they are seriously affecting my life. Im trying to move into a home and this is causing a huge problem. I could potentially be homeless with my XXXX children. 
thank you!
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX Balance : {$28000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$9800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I transferred {$1800.00}, via XXXX XXXX USBank ) based on an e-mail that I received from my contractor. E-mail was a standard method of communication between us. Per the e-mail I submitted the 50 % down payment to " his accountant '' ( I referenced my contractor 's name and the project details in the title and memo section with XXXX XXXX. On XX/XX/23 I met with my contractor at the project site. My contractor indicated that someone must have hacked his e-mail account and that he did not send me the e-mail. The history of the e-mails I received shows his valid e-mail address. My contractor filed a police report as did I. I immediately called my bank, USBank, to report the " mislead scam ''. I provided them with all of the information over the phone, including details for them to confirm that this was a " mislead scam ''. I offered to provide additional information, if they needed it. At no point did they ask for additional information. They ultimately rejected my claim indicating that " they processed the XXXX transaction as requested ''. I immediately called USBank again to provide them with additional information to show " mislead scam ''. They ultimately rejected the second claim under the guise of " they already rejected my initial claim ''. I then contacted my USBank Private Banker and sent him copies of the two police reports and all e-mail correspondence with my contractor 's e-mail address. A few days ago they rejected that claim solely on the basis that there were no longer funds in the receiving bank account ( we all know scammers immediately move the funds ). I initiated more research and found out that XXXX Banks implemented new procedures regarding " mislead scams '' that XXXX quality for. However, as of today ( XX/XX/23 ), USBank refuses to get the receiving bank to send the funds back to USBank. My understanding is that member Banks ' terms of service should have changed that allow for this provision. Yet, USBank continues to reject my claim. I believe that USBank committed material misrepresentations to me by saying " they have to reject my claim because there are no longer funds in the receiving bank account ''. My contact at USBank is XXXX XXXX ( Sr VP Wealth Market Leader, XXXX, XXXX )