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

XX/XX/XXXX - I submitted pertinent data to correct my personal information on my credit reports to  XXXX  and Equifax . This personal data included a government issued ID, bank statement with current addresses. XX/XX/XXXX - I received a letter from  XXXX  and Equifax stating that I need to send the same information that was sent in  XX/XX/XXXX  in addition to  XXXX  form and/or a copy of a birth certificate to verify my identification. To which I did n't comply. XX/XX/XXXX - I resubmitted the same information to   XXXX   and Equifax and received the same response in via a letter in  XX/XX/XXXX .
This has been an ongoing battle to with these  XXXX  credit bureaus to accurately update my personal information and no such luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received the results of a disputed collections account on my Experian credit report. I disputed that the account being reported by XXXX XXXX XXXX belonged to me and requested an investigation into the validity of the alleged debt. 

Experian has come back and stated that the debt has been validated. However ; when I look at my credit report Experian is reporting inaccurate addresses associated with my account, even after I disputed that these addresses belong to me. XXXX XXXX has never sent me any letters in the mail & if they have they have been sent to an incorrect address. 

Please review the attached documents and let this be a notice that I dispute the validity of the addresses being reported on my credit report. There is no way that XXXX XXXX debt could have been validated, otherwise my correct home address would be listed as my current address with Experian. You are required to ensure that all information on my credit file is accurate. 

From my research XXXX XXXX XXXX XXXX belongs to an Apartment complex community. There is supposed to be an apartment number attached to this address. Paperwork that XXXX XXXX XXXX alleges to have sent could have been sent to any Apartment # in that community. If this address or any of the addresses currently listed on my credit report where used to validate the debt that XXXX XXXX XXXX alleges that I owe ; I demand that this debt be removed from my credit report for inaccurate reporting and for failing to do a proper investigation. 

Please also be advised that I am disputing the accuracy of the XXXX and XXXX addresses on file as well. I request that the addresses that they are reporting do not be used to validate a current or former address/ and or any alleged debts.
Product: Debt collection

According to the FCRA, it is XXXX job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with XXXX is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true. 

I had asked XXXX XXXX months ago for the following they could NOT provide : How did you investigate this account? 
Who did you speak with? 
What date and time was this investigation XXXX could not provide any information. 

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX  Account Number : XXXX Reported Late Payment Date : XX/XX/year> XXXX
Product: Checking or savings account

On XX/XX/XXXX at XXXX I did a deposit with a cashiers check of {$50000.00} in the account saving account with the bank account number XXXX and from the {$50000.00} {$10000.00} was to be put into a checking account for expenses with the Checking Account number of XXXX and after receiving the statement dated for XX/XX/XXXX thru XX/XX/XXXX did I notice that on XX/XX/XXXX the {$50000.00} where deposited into the checking account XXXX and account number XXXX but that the {$10000.00} where NOT deposited into the checking account with the account number XXXX instead it looked like I had done a cash withdrawal and that a transfer of {$40000.00} to a saving account that ( I never opened ) with the account number XXXX had been made on XX/XX/XXXX had been mad. After noticing {$10000.00} missing I went into the branch of XXXX Ca branch on XX/XX/XXXX and complained. I told them that another account with the account number XXXX had been opened and that the {$400000.00} had been deposited into XXXX with out my consent ( all this with ever receiving a bank card ). After receiving a letter from XXXX XXXX stating that on XX/XX/XXXX the account XXXX would be frozen and closed ( unaware of who opened this account ) did I notice on XX/XX/XXXX that a deposit of {$17000.00} no. XXXX was made to the checking account XXXX ( I never had this checking account or number ). This account was a clone of the saving account that was opened they cloned the account XX/XX/XXXX because the saving account had been closed the cloned checking account was opened with the same numbers to do the transfers and withdrawals and steal my money. I never received a ATM card ( which I requested not to have on but they still assigned one ending with XXXX that I never received. The banker opened this account ending in XXXX same number that had been closed on XX/XX/XXXX and she transferred my money from the account XXXX into the account no. XXXX that was really a checking account making me think that this was legit account then she opened on XX/XX/XXXX the account no. XXXX as a saving ( same number as the clone checking ) and did withdrawals and transfers making think that it was me doing it. 
On this clone account they did a deposit of {$17000.00} which came from the Clone Checking account making look as if I had deposited the cashier check it had miss print name and fake signature this is not my signature by doing this she created a double withdrawal on the saving account and in return with-drawling multiple funds ( that I did not do ) from the saving account that should have been closed back in XX/XX/XXXX. After finding out of this fraud I closed the account no. XXXX only having a balance of {$12000.00} left not knowing how XXXX had done this to me I then went and opened another account with XXXX on XX/XX/XXXX in the XXXX Branch with XXXX XXXX. Now I am demanding that I am returned all the money that they have taken from me and penalizing them for fraud and hiring fraudulent employee and not screening them better.
Product: Vehicle loan or lease

Chase was sent a check to pay off my car around XX/XX/XXXX, they received the check sometime after the XXXX. 


They were contacted by the buying car dealership to check in on the status Tuesday XX/XX/XXXX and said it will be applied shortly. Well due to this my monthly payment was late because I was told the payoff would cover it. 

As of XX/XX/XXXX chase has still not paid of the vehicle even though they are in possession of the check. 

Chase is unwilling to work in a timely manner or provide a solution while forcing me to continue to pay on a car I do not own anymore.
Product: Debt collection

Im asking transunion to follow federal tax law. The attached items have been charged off as bad debt and ot sold to other collections agencies for pennies on the dollar. In all 50 states it is a federal crime to collect or attempt to collect avdebt that has been wrotten off off on a corporate write off on their federal taxes. Im simply asking them to comoly with the law and remove this debt that doesnt exist from my ctedit report.
Product: Checking or savings account

I signed up for a Chase bonus program in XXXX that was supposed to give me a bonus of {$300.00} for setting up direct deposit with a checking account, {$200.00} with a savings account if I kept $ XXXX in there for 3 months and a bonus of {$400.00} if I completed both of these for a total of {$900.00} in bonuses. 

I received the {$300.00} checking bonus on XX/XX/2023. 

I received the {$200.00} savings bonus on XX/XX/2023 and the email also says that the {$400.00} bonus was deposited. 

I never received the {$400.00}. The {$400.00} was supposed to be deposited to the checking account that I had with chase, but chase closed the checking account after 60 days of a {$0.00} balance ( which they never mentioned would happen ). 

I called Chase on the week of XX/XX/XXXX to inquire and was instructed that I had to wait a few days for a check to come through. 

A check never came and I called back. They said I had to work with my local branch. I've been working with my local branch and had no less than 10 calls with one of the workers, XXXX, and the branch manager, XXXX. The location is XXXX XXXX XXXX, XXXX, PA XXXX. I'm beyond frustrated and had high hopes but they have now put me off for almost 2 months with no end in sight.
Product: Credit card or prepaid card

On XX/XX/2019 I was financing XXXX XXXX with an advertised 0 % rate financing with Carecredit. I was not aware that I was opening a credit card, I believe that I was enrolling in a 0 % interest payment plan as it was advertised and as the paperwork seemed to convey. 

Less than a year later, suddenly with only about {$700.00} remaining on my loan, I was charged {$700.00} in interest. 

I called Carecredit after I XXXX my issue, and saw that this is not the first time CareCredit ran this scam. In fact, CFPB fined the company FOR THE EXACT SAME PRACTICE previously. 

How can they still be in business to rip off more consumers? Clearly the previous fines and refunds weren't enough to deter this behavior. 

Further, upon further reading their own document outlines the promotional 0 % rates are for 6,12, 18, or 24 months. However my rate was revoked after 8 months, an act done on their behalf because my payments would have had a zero balance at the time of the rate expiration. 

From the document : " This notice is to let you know about some promotional financing plans that may be available for you when you use your card for future purchases. This is only a summary of key terms. At times, we may offer you other promotional financing plans for certain purchases. Details of available promotions will be provided to you at the time of your transactions. Not all plans or all plan periods will be available at every retailer. For purposes of this notification, your Purchase Annual Percentage Rate ( " APR '' ) is 26.99 %. See the Interest Charge Calculation section of this billing statement to determine if this APR is variable. If a ( v ) is shown next to your APR, this APR will vary with the market based on the prime rate. Subject to credit approval. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchase. 
No Interest if Paid Within Promotional Period ( These can be advertised as Deferred Interest promotions ) Under this promotion, no Interest Charges will be assessed if the promotional purchase balance is paid in full within the promotional period. If the promotional purchase balance is not paid in full by the end of the promotional period, interest will be imposed from the date of purchase at the Purchase APR stated above. Minimum or fixed monthly payments are required. This promotion may be offered for periods of 6, 12, 18, or 24 months. 
Please keep ''
Product: Money transfer, virtual currency, or money service

Case # XXXX. My name is XXXX XXXX and this complaint is regarding an outgoing wire that was I was told would occur on XX/XX/XXXX. OnXX/XX/XXXXI wired XXXX USD to Coinbase XXXX from my XXXX account which is under the name XXXX XXXX ( this is my maiden name ). The federal reference number for this wire was XXXX. On XX/XX/XXXX Coinbase sent me an email informing me that they did received the wire ; however, due to a name mismatch ( my maiden name vs my married name ) they would be reversing the wire. 

It is nearly 20 days later and my wire has not been reversed. I have followed-up with them on the status of this matter multiple times ( at least 10 ) to no avail. I have conducted multiple wires during the course of my lifetime and never has it taken longer than 3 days. Normally 1 to 2 days. 

Not only has it been nearly 20 days since I was told that I would receive my wire and have not received my wire, but they are grossly negligent in their communication. On 2 occasions I have been sent an email saying that they will have someone look into the problem with absolutely no follow-up or accountability. This concerns me because if you look on social media and the internet at large ( I am certain that you 've received other complaints ) Coinbase has a history of taking peoples money ( not giving them access via account freezes, or wire disputes ) for VERY long periods of time without any communication. This is completely unacceptable and I have never experienced such blatant disregard by a financial institution of their fiduciary responsibility. This is borderline grossly negligent. Please keep in mind that the while I have been waiting for 20 days, there are others that have had this problem for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

You ( Credit Reporting Agency ) is violating my consumer right to privacy pursuant to 15 USC 1681b ( 2 ), company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 ( a ) ( 4 ) My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act. Pursuant to 15 USC 1602 ( p ) the term unauthorized use, as used in section 1643 of this title, means a use of a credit card ( card, plate or coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ) by a person other than the cardholder ( consumer ) who does not have actual, implied, or apparent authority for such use and from which the cardholder ( Consumer )
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, US bank closed my savings account and issued me a check for the amount of XXXX. I received and lost the check. On XX/XX/2018, I made a Declaration of Loss for that check. US bank had 90 days to re-issue me another check but never did. Since then, I have visited the bank 's branch on many occasions and called them countless times but everyone says that they are not able to help me because they don't know which department is responsible for issuing that check,
Product: Debt collection

There are accounts listed on my credit report that I did not consent to. I demand these fraudulent entries be blocked and removed right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

all inquiries from XXXX XXXX and XXXX XXXX  are fraud
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 40 days later, 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 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 gotten into the hands of the wrong person.
Product: Debt collection

On XX/XX/XXXX, I received a credit report alert of an account in collections. I had not received any communication prior to this. 

I called Wakefield and Associates to verify this debt was not a scam. They gave me information on when & where this bill originated. 

I contacted the billing department at the originating hospital. They verified the date of service and total amount. They verified that the account and visit in reference was paid in full in XX/XX/XXXX. 

I verified with my insurance provider and the original amount allowed matched the hospital billing records. Insurance covered the rest of the visit. 

There is no outstanding medical debt from this visit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, 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.

1. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX ( THESE ACCOUNTS 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In XX/XX/XXXX I discovered fraudulent activity on my credit report from [ Credit Bureau ( s ) involved : XXXX, XXXX, XXXX ]. I noticed [ specific fraudulent accounts, charges, or inquiries, e.g., " several unauthorized hard inquiries, '' " a new line of credit I did not open, '' " incorrect balances on my accounts '' ], which had significantly affected my credit score. 

Upon discovering these inaccuracies, I immediately contacted [ Credit Bureau ( s ) involved ] on XX/XX/XXXX to dispute the charges and inquire about the fraudulent accounts. I submitted supporting documentation, including [ list any specific documents : police reports, identity verification, dispute forms, etc. ], as well as proof that I had not authorized these activities. 

Despite my prompt action, [ Credit Bureau ( s ) ] failed to correct these inaccuracies within the 30-day period mandated by law. I have since followed up multiple times, with no resolution. Each time Ive reached out, I was informed that my case was still under review, with no indication of when it would be resolved. I am concerned about the long-term effects of these inaccuracies on my credit score and my ability to obtain financing.
Product: Credit card or prepaid card

I contacted my credit card company about a dispute of a charge. I didnt receive the services. I clearly told them what happened. 

But the credit card company rep were in XXXX and could not properly speak XXXX. I explained my issue so many times to them. Even after he said he understood I dont think he did. 

I told him I did not receive the service I paid the company. The merchant lied to them and didnt even get back to me. The rep from chase said he would get back to me and he never did. They just closed out the dispute. I told him I was away on vacation. 

The rep said dont worry I will call you back. 

The merchant clearly didnt provide the services. 

This is why these disputes should be handled by XXXX and not someone overseas who cant properly speak XXXX.