23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for WFDS to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account WFDS - XXXX Last 4 digit SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My son had  XXXX  in  XXXX  of  XXXX . He had  XXXX   ( Medical ) a nd the procedure was fully covered. The procedure was done through  XXXX   XXXX   XXXX . On  XX/XX/XXXX , I went on  XXXX   XXXX  to check my credit, and noticed a collection account in the amount of {$7300.00}. I was shocked. I immediately called  XXXX   XXXX  and they explained that the bill never got paid so they sent it to collection. I explained I never even received a bill. The lady then said well I 'll check  XXXX  's eligibility for the date if service rendered and she found the service was completely covered. She apologized profusely and stated the hospital biller had made an error and was billing the procedure in my name, so it kept getting denied.   My concern it that this is n't fair. This has apparently been affecting my credit for 7 months and it 's still on there due to  XXXX  's own incompetence. This is n't fair to me and would really appreciate some help or insight as to what action I can take at this point.
Product: Credit card

I made a payment of {$75.00} on XXXX for my XXXX bill. On XX/XX/XXXX I received an email stating I had a payment due on XX/XX/XXXX. Unfortunately, I did not read my email until late in the evening. When I checked my checking account the payment was taken out on XXXX so they had received the payment. I called the company on XX/XX/XXXX told them I had made a payment on the XX/XX/XXXX. She checked into and told me that yes, she saw where I had made the payment. I told her that was my XXXX payment. She told me no the company considers that a XXXX payment because my billing cycle runs until the XXXX. I said how am I supposed to know that, since you have quit mailing paper bills. She said I should be getting an email bill. I said I really don't know if I do or not. So, they are charging me {$30.00} late fee. I do not feel I was late because I had paid it ahead of time.
Product: Credit card

I applied to care credit for assistance in financing some dental work I was having done. I was approved for an XXXX credit limit. For awhile I was making my payments monthly until I noticed that I had paid over XXXX and only XXXX was credited towards my account. I recently received a bill from a collection Agency stating that I now owe XXXX on a card with an XXXX dollar limit. I am aware that Care Credit has changed their name to Synchrony Financial however the company does still try to call me for the outstanding balance. I found these XXXX companies to have deceptive practices.
Product: Debt collection

wages are being garnished by XXXX XXXX attorneys for a debt that i am unaware of. they said they served me papers that i did not get or sign for. i asked for proof of this debt and that it belonged to me and i did not receive anything. they do not answer the phone or return calls.
Product: Credit reporting

I made a request for XXXX to remove the credit inquiry from my equifax credit report and XXXX agreed to send a request to equifax to suppress the inquiry so that it will not appear on my credit report or be used in the calculation of my credit score, however equifax has not removed the inquiry from my credit report.
Product: Checking or savings account

This letter is to file a complaint against Ally Bank for the way it has handled my EFT dispute which has gone against the procedures outlined in Reg E and the EFT Examination Checklist which is provided in the REG E policy statement provided by the CFPB website. 
On XXXX, I disputed several charges appearing in my XXXX through XXXX statements. I was sent an email and a letter outlining what the bank was going to do and what they were not going to do. 
Chief complaint is that Ally Bank has issued me a provisional credit based on the wrong dates and the wrong amounts. 2nd Complaint, when I brought these errors to their attention by phone call and 3 emails, I have been ignored with no contact at all and when I tried to reach the dispute dept through customer service, customer service, after speaking with dispute dept, informed me that, the dept does not need to speak with me and that they will write to me when investigation completed. I Asked customer service what if I needed to give dispute dept information that may help in their investigation, I was told that I could send an email through the bank message system.

3rd complaint is that the bank never demonstrated nor offered to demonstrate that these unauthorized transfers would not have occurred had notice been given within the 60 day period. They only said that I did not notify them within 60 days of the statements in question.

This dispute is based on Unauthorized transfers not involving loss or theft of an access device. The Timing of Consumer notice to bank is More than 60 calendar days after transmittal of the monthly bank statement on which the unauthorized transfers first appeared which was the statement dated XX/XX/XXXX. maximum Liability for Unauthorized transfers occurring 60 calendar days after the periodic statement and before notice to the financial institution which in this case would be 60 days after XX/XX/XXXX and before XX/XX/XXXX which is date I notified bank. So my Max Liability would be transfers form XX/XX/XXXX to XX/XX/XXXX approximately. The bank should have sent me within 10 days of my notice to them a provisional credit in the amount of {$5200.00} which corresponds to the unauthorized transfers in the XX/XX/XXXX statement through XX/XX/XXXX. The bank sent me provisional credit from XX/XX/XXXX through XXXX in the amount of {$1100.00}. Again, when I tried to inform them of their mistake I was ignored totally. 
And 4th complaint, Today on XX/XX/XXXX, I was sent an email from them restricting my account access because the account has a negative balance of {$82.00} dollars which I was thinking would be resolved when they deposited the correct provisional credit. 
I am sending copies of all my emails and documentation I sent to them to aid in their investigation.
Product: Credit card

I was using my Apple Card to take advantage of the 3 % cash back they offer for buying from Apple, my mom needed to buy gifts for her nieces and nephews and she told me if I can go to Apple and buy them new phones so said I can so I went to Apple and bought them new phones she gave me the money i put it on my credit card so i can take advantage of the cash back and I paid the moment as soon as it posted, I wake up Monday morning 2 days after this happened I get a email Your Apple Card account has been closed as of XX/XX/year> and can no longer be used for purchases because : There was a failure to comply with the terms of the Customer Agreement. 

Called them and tried talking to them and even spoke with a supervisor and explained everything and they told me theres nothing they can do if its closed its closed they can close your card for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proof and evidence supporting my claim. XXXX XXXX XXXX  was removed from my experian report in XX/XX/2018 and is still on my report. Experian sent me a letter of removal and refuse to remove the item from my credit. please help in resolving this problem.
Product: Credit card or prepaid card

I applied for the Chase Freedom Unlimited credit card, directly from the Chase website, and it offered a {$200.00} welcome bonus after spending {$500.00} within the first 3 months of card opening. I applied and was approved for this card on XX/XX/XXXX. I spent well over the {$500.00} required to receive the bonus. I waited patiently and never received the welcome bonus. Finally on XX/XX/XXXX I called and spoke to a representative who said that was not a part of my offer. I replied that it most certainly was and that was the biggest reason I applied for the card. I asked to speak to a supervisor, I spoke to XXXX in XXXX, who stated that she could not find the code attached to my approval saying I would receive the {$200.00} bonus. I was able to obtain screenshots from XXXX that show that Chase was indeed offering the {$200.00} welcome bonus between XX/XX/XXXX and XX/XX/XXXX. I applied and was approved on XX/XX/XXXX so I fall within this window.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer ervice and unfair practices, which violate e Consumer Financial Protection Act FPA ). Specifically, Cash App failed to take nely and effective measures to prevent and Idress fraud on their platform, leaving my count vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Payday loan, title loan, or personal loan

Had a contract with a developer for three years they change our lender to a new lender now denied my loan saying that my credit was too low I have checked my credit with multiple credit bureaus and my credit is in the high XXXX I believe what theyre doing is trying to sell my property for a higher price from what they agreed to sell it to also this bank passed my credit multiple times to bring down my credit XXXX points down I spoke to a different lender I was told maximum points that I had to lose was XXXX the lender name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX EQUIFAX has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 
Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Student loan

I currently have a student loan with climb credit. In XXXX of 2024 I paid a total of {$8000.00} dollars towards a balance of roughly {$10000.00} and was told this would cover my monthly payments going forward as it is a 0 % loan. I have recently been receiving collection calls now where they are saying that actually it only counts towards 3 months, and now my account is past deue with late fees and they apologize for the inconvenience and confusion. 

During these calls, they are also not following proper privacy and verification processes. The person will call me and provide me with a address, phone number, email address and acount name and ask me if this is correct. They should not be providing peoples personal information when doing an outbound call to verify identity. If someone else answers the phone or they dial the wrong number by chance, they could be providing numorous personal identification information to a complete stranger because all you have to do is say yes. This is opening me up to great risk as there is no way for me to confirm if they have done this before and accidentally provided my personal information to a complete stranger.

During a previous call I shared that I wish for them to not do this as this is a great security concern and they have done it multiple times now since. Im no expert on collections and privacy practices but I know for certain this is not an appropriate method and this can not be allowed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Supposedly I have this debt and my account is in legal collections when I was never contacted or notified. They illegally collected my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a really significant matter for me! You are negatively affecting my credit report! You are creating XXXX  for me as a consumer. I am unaware of what is occurring on this account. Why is it displaying late payment remarks yet I am always prompt with my payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX  ), Portfolio Recovery Agency ( PRA ) added a derogatory mark on my credit reports per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection as requested on XX/XX/XXXX as well as XX/XX/XXXX ( attached ). Also there was no written form of communication, contract or signature for this accused debt at all. A copy of a bill without a signed signature does not validate the debt, anyone can make a copy and send a bill claiming it's mine. In CFPB v Portfolio Recovery Agency file no # XXXX according to the findings specifically 28. PRA is aware that significant inaccuracies may exist in the Sale Files it purchases, including that some debts balances were not reduced by a consumer 's subsequent payments 31. Some of PRA 's purchase agreements put limitations on the availability of account-level documents, thus putting PRA on notice that it may not be able to access account-level documentation on all accounts purchased that would enable it to perform proper due diligence. 36. PRA did not alter its collection practices when collecting on portfolios that it knew or should have known contained unreliable information. 33. PRA did not monitor its portfolios of debts for accuracy. Yet PRA has continued for years to damage my credit with inaccurate and unverified information and deprived me of my rights to validate the derogatory information. According to FCRA, Portfolio Recovery Agency ( PRA ), had violated my rights as a consumer and I'm requesting legal action to remove this account from all three bureaus immediately.
Product: Credit card or prepaid card

I went to pay my Gemini Credit Card bill and my password didn't work, so I changed it, but then it still didn't work. So, I changed it again, but ended in the same result. I assumed it was a technical error on their end, and contacted their support team immediately. The support team was not helpful and kept dodging my issue, so my gut feeling was to ask them to freeze my account because something seemed off. Then I checked XXXX and saw that lot 's of people were going through a similar issue. There's also lawsuit going on with them too, that I didn't know about.
Product: Credit card

Please see the attached documents. I ask the bureau to commence an investigation into these accounts, as I am never late, yet they are being reported as such.
Product: Debt collection

In the state of South Carolina I was experiencing continuous XXXX  XXXX from family members there and as a result I was XXXX XXXX homeless there and I had ended up getting a XXXX XXXX and also my personal documentation had gotten stolen by the exact same family in XXXX, South Carolina but I do think them stealing my personal belongings had something to do with this agency, the name of the first agency that kept repeatedly calling me was XXXX XXXX  XXXX  and the second one that is starting to spam call me is UCB and at first they said the amount was {$700.00} but now they are saying I owe them {$1000.00} and also they are following me and are calling places I would go to such as Homeless Shelters I would apply to and also Jobs I would work at and I know this because each previous employer or head staff would ask me XXXX do you owe anyone debt?!?! In a irritated manner, and I do think the collection agencies may have been threatening and using offensive language towards the people/places I would go to as a way of trying to intimidate/harrass.
Product: Credit card or prepaid card

My Name is XXXX XXXX, recently a few weeks ago on XX/XX/21 I lost my wallet containing my Vanilla prepaid debit card. I realized I lost my card that evening and promptly called customer service to order a replacement card. The customer service rep expedited me a new card and also informed me of a unauthorized transaction on my account. A XXXX store in Maryland for {$790.00}, I live in XXXX XXXX XXXX 3 states away over 200 miles away. I was told I should make a claim once the transaction posted to my account. I waited a few days and then did so. Claim # XXXX.Then approximately 2 weeks later I received an email stating my case was denied. I followed the customer service representative advice and waited a few days before filing a claim ( XXXX ) but I notified Vanilla the day I lost my card. ( XXXX ) .I thought I was protected under the 0 % liability agreement if I reported my lost card promptly. I reported my card lost within 10 hours after losing it. I have called on several occasions attempting to get an answer as to why my claim has been denied, and Vanilla has responded by saying they would send documentation showing why they denied my claim but I have not received any documentation. Will you please help me recover my funds. Thanks.
Product: Mortgage

My wife got XXXX XXXX and I retired early to take care of her. I talked to Bank of America that I was having trouble and a representative advised me to stop making payment on my loan in order to help modify my payment. 

I did as they advised and submitted everything that was requested to only find out that they had denied because they could not verify my income. I expressed that there is no other income that I was getting. 

I have retirement income and social security income which I submitted with my wife 's information as as well. They keep telling me that they think we are hiding extra income. We are not hiding anything. We have requested they provide proof but no response. 

I have been denied over 6 times now because of the same thing. " THEY CAN'T VERIFY INCOME ''. 

My loan was even escalated to FHA so they can assist and no help was given. I am an end here trying to save my house and have my wife recover from XXXX as well. She has had a XXXX XXXX and it just seems it will never end. 

Please help me!
Product: Credit card

Gave information regarding travel out of the country to XXXX, XXXX and relevant dates prior to travel. They have declined multiple payments despite multiple calls to clarify the situation requiring over XXXX minutes of waiting, etc. They refuse to correct the situation despite multiple confirmations of identity. We have excellent credit, have never been late, have not come close to our credit limit. This is irresponsible when members are traveling out of the county with children and can't have reliable access.
Product: Debt collection

Received collection letter dated XX/XX/2016. 
Sent cease communication letter on XX/XX/2016 via certified mail. 
Was received and picked up on XX/XX/2016. 
Received another collection letter on XX/XX/2016 They are in violation of the law by contacting me after I told them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXXXXXX Balance : {$44000.00} Medical XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank sent the XXXX police XXXX to my house at XXXX XXXX on XX/XX/2023 saying I threatened them when I never said those comments. I have been trying to get case resolved since XXXX and representatives keep repeatedly hanging up the phone.I have a permanent XXXX and Citibank causing unduly stress over getting these credit inquiries off my reports. I had to check myself into the hospital because of chest pain Citibank is causing me. I am demanding a phone call from the XXXX and apology because no reason that cops should been called on me. I am filing a Congressional complaint if CFPB doesnt resolve the issue.