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

We set up our account on coinbase at exactly XXXX/XXXX/XXXX we went through the steps to verify our account including giving detailed banking information, articles of incorporation, passport, and sealed official documents from the state of Utah to verify our identity. 

On XXXX/XXXX/XXXX we received an email stating that coinbase ca n't verify our identity with no further explanation or steps on how to resolve the issue. 

On XXXX/XXXX/XXXX without any response or warning our account was locked out with no explanation. We sent this company an email asking why this was done and have had no response. 

On XXXX/XXXX/XXXX We sent another email asking why support is n't answering any of our emails and received the same canned response of it will take a few days to receive a response. 

As of XXXX/XXXX/XXXX Coinbase is holding over {$4000.00} XXXX of our money in their account and refusing to give it to us. They have not unlocked the account and are still not responding to any forms of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I the dispute process with the XXXX  credit bureau, XXXX  and Experian regarding a unverified bankruptcy that is currently on my credit report. I sent a certified letter on XX/XX/2019 requesting that they remove the unverified information on my credit file. All three bureaus responded back that the information had been previously verified. The next set of letters that I sent, dated XX/XX/2019 requesting the method of verification ; complete list of all documents and correspondence with the furnisher of the information, with the list of contact and names of the employees that they spoke to as part of this investigation. I have not received a response from XXXX  nor Experian but I had received a letter from XXXX, stating that they an investigation has already been done that the information had already been verified. They all have failed to fulfill their obligation under the FCRA sec 611 ( 6 ) ( b ) ( iii ) and 7. I contacted the Bankruptcy court that was listed on my credit file, to inquired about the credit bureaus findings and the courts response was that they do not share information with credit bureaus nor any third party vendors. They have not completed a reasonable investigation. How then can these bureaus conclude that the information that they are reporting is verified. I want this unverified information deleted from my credit file. I have attached to this complaint the correspondence from the bankruptcy court listed on my credit file and proof and receipts of the letters I sent to XXXX.
Product: Credit reporting or other personal consumer reports

I tried online and in writing to remove fraud alert and Experian, XXXX and XXXX will not remove them. Im unable to obtain certain security government clearance for jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX will not remove this account from my credit report even though i am a victim of identity theft
Product: Debt collection

The calls started in XXXX till XXXX of XXXX. I was getting 3-4 calls a day. I feel that I was being harassed. I decided to answer the call from Cavalry and the person i spoke with he told me the amount I owed for a debt that XXXXXXXX XXXX XXXX wrote off. I explained to him I had a lawyer and I didn't owe the amount they were say I owed. I even explained to them I had also contacted cfpb. They didn't seem like they cared. I even told them about the charges were wrong. I Don't even think the original company who knew the right amount. I have had 5 different collection companies try to collect on this debt. I have harassed, also been called the f word and also other bad word. 
The company has sent me to court now for this debt I don'y owe that amount. I have told them months ago. 
I also had filed with your company on XXXX XXXX. I got a packet from there company, The dates were back from XXXX and XXXX didn't have XXXX XXXX  take over till XXXX of XXXX. I tried calling the person that sent the packet. I never respond. They would say I never called because that is what they did last time I had complaint. I would like to know how they can harass me up to 5 times a day. This has been going on for 3 years. I had to change my phone number and also get a blocker on my phone. I am still getting phone calls from this company and my husband also gets them. They can ruin my credit but nothing happens to the companies. I am enclosing the civil court from the county I live in. There is a letter I sent to the person ( XXXX XXXX XXXX ), I also tried calling him but the operator told me he doesn't work there anymore. Now I don't know what will happen now. But also mailed and faxed a copy like my lawyer told me too.
Product: Credit card or prepaid card

I bought a XXXX XXXX on XX/XX/XXXX from XXXX XXXX for XXXX The TVs motherboard melted down on XX/XX/XXXX. 

I called XXXX and wanted the TV replaced with another TV, they denied me and sent a repairman, this took over a week. 
I called XXXX XXXX and wanted the TV replaced with another TV, they denied me and stated their extra warranty doesnt begin until XX/XX/XXXX and until then I have to resolve any issues with XXXX XXXX 

Repair man replaced the motherboard and the TV booted up again. 

The TVs motherboard melted down again on or about XX/XX/XXXX. 

I called XXXX and wanted the TV replaced with another TV, they denied me and sent a repairman, again, this took over a week. 

Anybody by now would think they have a lemon, Im positive I have a lemon but I thought I was stuck with no recourse. I then thought that if I contacted the credit card company, Elan Financial under Fidelity, I called and placed a billing dispute asking for a credit for XXXX to my card and either have them come pick up the TV or I would be happy to take it back to whomever. 

Elan Financial took my dispute complaint and followed up with a letter asking for more details, I called to give them details and also returned their letter with the same info. Not too long after this they sent me a check for XXXX. 

I ASSUMED THEY FOUND IN MY FAVOR AFTER THEIR INVESTIGATION Anyone awake would make the same assumption but on XX/XX/XXXX they sent me a letter stating under the fair billing credit billing act if I believe there's an error in my bill I have to respond within 60 days I contacted them as soon as the TV melted down because there was no way I could have guessed ahead of time that it would melt down on me. 

And why dont their Reps know this simple 60-day rule? Why did they string me along and act as if I had a legitimate complaint? Their Reps should say its been so many days so you cant place a billing dispute? 
And of all mismanaged things, why would they send me a check? 

I called to ask the above questions and the Reps read off a bunch of legal speak and said to me that even though the Reps know about the 60-day rule, they must take a complaint. And still, why do they send a check leading me to believe they found it in my favor?

This stinks so bad that Im sure they XXXX XXXX on their end and are using legal jargon against me, they should be punished for sending me a check. 

The TV manages to work. I told them this. I told them I do not want free stuff but who would feel secure that the TV wont meltdown again? Im just waiting for the 3rd meltdown to occur. You would feel the same way. 

I had to put the XXXX on another card because I don't have almost XXXX extra floating around, they are a huge bank and to them this glaring mismanagement is causing me financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 i settled a debt with JH Portfolio Debt Equities for {$630.00} and on XX/XX/19 i settled a debt for {$1200.00} with the same company JH Portfolio Debt Equities. I received a letter stating that both accounts had a {$0.00} balance and that it was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I needd you to remove the followinfg items off of my Credit File at the earliest posible time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit reporting Act section 605b, I am requesting that you immediately remove the disputed items oof of my Credit File as soon as possible.
Product: Debt collection

Comenity Bank Lane Bryant does repetitive calls multiple times a week several calls a day. Some days I will receive XXXX to XXXX calls within XXXX hours even if I speak to to someone they will call back within XXXX days and call XXXX to 6 times a day even though I just spoke to someone. XX/XX/year> I XXXX823,1129, XXXX, XXXX XX/XX/year> I received another XXXX calls XXXX, XX/XX/XXXX I received XXXX calls XXXX. On Friday, XX/XX/year> they called XXXX times calls at XXXX XXXX XXXX. XXXX XXXXXX/XX/XXXX. I received XXXX XXXXXXXX XXXX XXXXXXXX. 
I have asked them to stop calling when I do ask them to stop calling representative usually hangs up in my face. They call in the voicemails asking about my tax return. I have offered to pay a small sum of money. They refused to take that money and say that I am refusing to pay and they still will call with the phone calls several times a day saying that they are calling to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00XXXX XXXX XXXXI ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$4000.00}
Product: Credit reporting or other personal consumer reports

Ive sent in over 30 letters to get these false items removed from my credit report. They have failed to answer me after multiple attempts. Ive also called and was treated disrespectful. Ive requested the following accounts be removed immediately XXXX XXXX XXXXXXXX Closed Account XXXX isn't provided XXXX XXXX XXXX XXXX Ive sent in proof with each letter, asking you please remove this info.
Product: Money transfer, virtual currency, or money service

I requested Paypal both by telephone and also via email to unlock the balance worth {$630.00}, which I received on XX/XX/XXXX from the company XXXX XXXX, a logistics company that compensated the previous payment for the loss of a package in transport. outside the United States. 
Paypal Inc is withholding this balance of {$630.00} improperly since I am not subject to taxes by the IRS because I am a non-resident alien and according to the law I am not required to have these withholdings made. For this purpose, on XX/XX/XXXX, I sent to paypal an email informing of this situation and sending the duly completed form W-8BEN, which the IRS has provided to certify my status as a non-resident alien and therefore not subject to tax withholding. 
Paypal Inc has ignored said certification and continues to improperly retain my funds worth : {$630.00} I have sent multiple emails and they tell me that I must wait 60 days for which after that period they will deduct a percentage of 24 % on the balance improperly and then they will release my funds, which is illegal under the tax law.
Product: Debt collection

My XXXX  credit account was given to a Legal - collections company called Tenaglia and Hunt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. I have tried for over 3 months to get in contact with this company to pay the debt. There is seldom anyone who answers the phone and when I do get someone i can never reach them again. In the meantime, while I did agree to a settlement and payment date to avoid a court judgement, I never received the documentation and settlement agreement and was never given the option to pay. I have called and left messages and never received the call back. 
Basically I can pay or settle the debt and have gotten threatened with Legal actions in the interim. 
The phone number I have XXXX ext XXXX XXXX XXXX - Account representative. 
If someone could please help me in addressing these issues and avoiding any more threats of legal actions or collections. I want to pay my bill and clear this- however they are not providing the resources to do so. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX2021 One Main Financial ran my credit unknowingly which resulted in a hard inquiry on my credit report. I called the company to resolve issue, no action was taken.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Florida. XXXX XXXX Checking account m/debit card Fraudulent charge at the apple store Claim XXXX Good evening. I am in pure disbelief at the Customer Service I just received from @ wellsfargo # wellsfargo over the phone. My card was stolen and almost {$1300.00} was charged at the @ XXXX  # XXXX XXXX. They are saying it is not proven that I did not make the purchase or allow someone else to make the purchase. I asked to speak with someone else and was told there was no one else available and I need to contact XXXX to be reimbursed. I do not know the store the purchase was made only it was XXXX  products in XXXX XXXX. Now I have to be on a witch hunt to locate this. I will be going to a branch tomorrow and if this is not resolved my accounts, 3 of them, will be closed. I am in complete disbelief over this situation and the Customer service. Wow wow wow. I would like this resolved asap. I am a loyal customer and should not be treated this way. I filed the complaint and the funds were originally placed back into my account. I received a letter yesterday that the funds would be taken out that were stolen from me on XX/XX/2022 because it cant be proven I did not make the purchase and it cant be proven I did not loan my chipped debit card to someone. My cards were stolen. Originally I thought I was in possession of my cards and called back to let them know that the cards were stolen while I was at the gym. They do not have any information regarding this call. I guess it miraculously disappeared. I need help. Please help me.
Product: Credit reporting or other personal consumer reports

Dept of Education {$290.00}, {$2700.00}, {$5100.00}, {$7500.00} all reporting on all credit report 's XXXX, XXXX, and XXXX. In accordance to fair credit reporting act this creditor has violated my rights under 15 USC 1681 602 states I have a right to privacy. 15 USC 1681 604a 2 a consumer reporting agency can not furnish an account without my written consent. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information reported inaccurately to credit bustard. Unsuccessful disputes with documentation proving the following Collection accounts listed below are not mine and reported inaccurately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERASSIST
Product: Debt collection

On XX/XX/XXXX, I went to a local credit union to apply for a home improvement loan. They pulled up my credit report and informed me that I had an uncollected debt from XXXX of XXXX that had not been paid XXXX XXXX XXXX XXXX Hospital in XXXX XXXX, California. 

I found an old paid bill from the emergency room at XXXX XXXX 's and called them. The bill was paid in full on XXXX. They transferred me to the main hospital ( which has since been sold to XXXX Hospital ) they found my record and informed me that they had tried calling me and sending me bills in XXXX. The numbers they had on file, were not my phone numbers ( one was a California area code ) and the address they had on file was an address in XXXX. They had apparently, turned over to Designer Receivables in XXXX. I called the collection agency to discuss the bill and find out why I hadn't been notified. They told me that the original bill was for well over {$4000.00} and the 4 years of interested amounted to over {$2000.00}. The address they had on file for me was the address of a rental home I used to own in California but never used as a mailing address because I never lived there. They admitted that all correspondence had been returned to them. I asked how it came to be that the emergency room at XXXX XXXX 's had my correct and current address, but the hospital did not. They had no answer. Until this week, I had no idea I owed XXXX XXXX 's anything. I have several bills from them in my file that are all paid. I did not realize I owed the hospital anything. 

Design Receivables ( the collection agency ) informed me that if I paid the entire bill including interest, they would take it off the credit report as if it had never been turned over to them. If I paid the total less interest, they would take the debt off the report, but the history would remain. They told me that the offer was only good that day. I argued with the operator and her supervisor, but they did not budge, saying that I should have known. I felt I had no option but to pay the entire amount. I paid that amount on XX/XX/XXXX. Almost {$7000.00}. 

I feel cheated, scammed and frankly livid about the entire transaction and phone call. I was never contacted by the hospital or the collection agency and both agencies verified this for me. Both agencies admitted that they could not get ahold of me, but every other doctor and medical provider was able to ( including the emergency room at the hospital ) I have paid bills from several providers that I can produce and I can also verify that the providers told me that they attempted to reach with ( using incorrect information - that I did not provide ) The hospital submitted my information to my insurance company ( XXXX ) and received payment from them. How in the world could they never get my contact information from XXXX or the emergency room department. This had gravely affected my credit, my reputation and my emotional state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX credit card account which reflect XXXX and XX/XX/2020 late payments on my credit reports.I had contacted XXXX   XXXX and fix the error and got a confirmation letter from XXXX XXXX which I sent copy of the letter to all three credit bureaus twice since XX/XX/2020, but no changes were done I am filing this complain because of negligence of credit bureaus.also attaching letter from XX/XX/XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to XXXX- the fraudulent loan remains on the XXXX credit report. 

At this point I am unable to review Transunion and XXXX not able to access their website. 

Thanks in advance for any assistance you can provide.
Product: Debt collection

Dear Sir or Madam : 1 received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : XXXX & XXXX XXXX XXXX Derogatory marks XXXX XXXX Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$4000.00} to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 
By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. {$1600.00} et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 168li of the Act, you have 30 days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Also pursuant to 15 U.S.C. Section 1681d of the Act, -rsuant to 15 U.S.C . Section 1681d of the Act, You may send an updated copy of my credit report to the below address 2017 E court according to the provision of Section 168lj, there should no charge for this notification.
Product: Checking or savings account

My previous employer used Optum bank for my XXXX. After starting a new job and leaving my previous employer, I used the money in the XXXX account for eligible expenses. 

I noticed after the account went to zero that i was being charged a monthly fee of {$3.00}. 

I spent a long time reviewing the XXXX website and looking at terms and conditions to see why i was being charged $ XXXX. 

I feel that Optum bank has low integrity and is hiding these fees from consumers. 
1. The transaction search button doesn't allow you to filter on fees.

2. There isn't an explanation in the transactions, it just says " service fee '' 3. The company charges these fees even if the account balance is zero.

I have not been reimbursed for these monthly fees. I expect to be reimbursed in full for these fees.