23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Proficio financial services and XXXX XXXXXXXX XXXX XXXX claimed that the business I was running back in XXXX did not pay them the insurance money that the insurance authorized. 
the business never received any contract or estimate from XXXX XXXX XXXX XXXX. They submitted the invoice to the insurance company. and the Insurance company approved only {$3800.00}. The business paid them what the insurance approved. 
They are trying to scam me for {$4400.00}. 
I do not owe XXXX XXXX XXXX XXXX anything. They got paid what the insurance approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX not being reported correctly there is a XXXX balance. We are trying to purchase a home and need all My credit reported correctly. My score needs to reflect the correct information
Product: Credit reporting

Credit reporting agency responded with accounts matched name social security number and date of birth. As this agency knows they have mixed my files up previously as well as not contacted the actual creditor but relied on electronic correspondence. I have asked for the name of the individual who verified this along with documents that verify. 
XXXX acct # XXXX XXXX Acct # XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX at approx. XXXX, I sold my cryptocurrency stock after being up all evening watching the increase in this one crypto currency XXXX. I sold the stock when it hit XXXX cents. their computer system went down and was not operational for several hours - the next day. 
I thought I had it sold as it said confirmed before crashing. the next day, my account showed XXXX balance - like all my money was gone. I made several complaints to the company. after 2 days of not seeing my money in the account, it miraculously appeared showing a loss of several thousands of dollars. 
I made the sale and transfer prior to their computer crashing. they have not honored this and my account was not made available for two whole days after this event. 

I would like your company to investigate. this happened to thousands of other people. I am not alone in this. 
I demand from the company that they refund my account in the positive at the time of sale of XXXX cents before their computer system crashed. 
everything is documented. Please investigate into COINBASE. 
My account is my email XXXX. should you have any questions, please don't hesitate to contact me via cell XXXX or email. 

I am only asking what is rightfully mine and coinbase should not get away with stealing money from me or thousands of others due to their computer failure. I sold my shares at XXXX cents each.
Product: Credit card

Starting roughly in XXXX or XX/XX/year> Sunbit changed their mobile app. Getting worse. 
1. XXXX  charges came in for any balance available. Card locked. Denied but 1 that is in a dispute for what my available balance was. XX/XX/year>. 
2. Real time payments since mobile app update not reflecting as was. Sunbit allows real time payment and in especially XXXX real time not reflecting as was. 
3. Available balance not honored and declined wrongly. Had {$100.00} available XXXX and declined. 
4. 3 different areas in mobile app for debts and credits seems shady and believe illegal tampering going on to take my available balance for fraud. 
5. My account is in hands wrongdoing by current employees mishandling. Was okay.
Product: Credit reporting

I am being reported 60 days late with XXXX XXXX XXXX regarding my student loan while I was under deferment. They are erroneously reporting me 60 days late with XX/XX/2011. This needs to be updated to correct the status. Furthermore this was transferred /sold to another servicing company called XXXX and XXXX is duplicating this account and should be deleted all together
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Capital One for its failure to adequately investigate my claims against the merchant XXXX XXXX XXXX for engaging in unscrupulous business practices. I believe Capital Ones reluctant inaction has directly contributed to the severe impact on my credit report an significant monetary lost. 

On XX/XX/XXXX, I disputed multiple charges from XXXX  XXXX XXXX  on my Capital One credit card. I provided substantial evidence to support my claim that XXXX XXXX XXXX  engaged in fraudulent and deceptive business practices for each of the charges. I have since then mailed, emailed, called & fax Capitol Ones dispute team on countless occasions to seek assistance/ resolution in finding out what checks were made for the investigations into my claims and what feedbacks where provided by the merchant to have a dialogue to resolve the issues ; However Capitol One is reluctant to do any investigation because they seem to be concerned about the small cost they would bear for the investigations, instead of honor their obligations to protect the consumers from such fraudulent practices. 

The respective charges are {$130.00} on XX/XX/XXXX, {$290.00} on XX/XX/XXXX, {$290.00} on XX/XX/XXXX, {$84.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$490.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$130.00} on XX/XX/XXXX. 

Additionally I have reported difficulties contacting XXXX XXXX XXXX to resolve issues with Software, refunds, or general inquiries to Capitol One. This pattern of behavior suggests a deliberate attempt to avoid accountability and Keep my Money without justification. 

Other customers have complained of the exact same issue by XXXX XXXX XXXX, and I have shown my evidence along with these complains ; clearly outlined how the merchant manipulated its software to prematurely terminate services, forcing myself to repurchase their services. Additionally The merchant falsely advertised itself as a platform that allowed customers to become " XXXX XXXX '' by sharing in trading profits, on the contrary, XXXX XXXX XXXX actively manipulated the trading platform to minimize customer profits and increase customer losses through various deceptive tactics. These actions resulted in me losing significantly more money, damaging my credit and massive XXXX  ramifications on my XXXX. 

Despite providing compelling evidence, Capital One has failed to conduct a investigation into my claims. Their lack of action has allowed XXXX XXXX XXXX to continue to rob consumers of their hard-working money. This inaction is not only a significant violation of my consumer rights but also contributes to the ongoing fraudulent charges of XXXX XXXX XXXX. 

I am requesting that the Consumer Financial Protection Bureau investigate Capital One 's handling of my dispute and take appropriate action to hold them accountable for their failure to protect consumers from such predator actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681a-2 a1, ll ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THIS ACCOUNT ARE REPORTING INACCURATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Student loan

Ameritech financial or a related company is in connection with my student loans. The federal trade commission has sued this company for deception practices, the court has not ruled as of yet, I want my money back and my personal information to be secured. I am taking the necessary steps to secure all of my personal information and in hopes of receiving all of hard earned money I have been struggling to pay. I was so happy thinking I was paying back my loan forgiveness and to my surprised being robbed of my money is totally not fair. I want justice for this and now I have to find another program.
Product: Credit reporting or other personal consumer reports

Im not getting my disputes opened or resolved I only get stalled letters and no verification of the account that Im asking for Ive sent my documents to verify my identity but they keep saying they dont have it so they cant complete my disputes I have also requested that my scores are updated correctly after the removal of inquiries and inaccurate information and again that has not been done either I also have requested that I be opted out from all three credit reporting agencies and it be permanent I sent notarized statements with my identification for that as well and they have removed the bankruptcies but not the fraudulent accounts attached to them cause me to be negatively affected by this fraud and I have asked for this to be removed several times as well. Fraudulent accounts are XXXX who illegally sold my information to another company ( identity theft ) and XXXX XXXX as well as XXXX  who is reporting a charge off to an account which was prepaid so its inaccurate both the amount and the status violations are 15 USC 1681 and 15 USC 6892 which I am within my rights to pursue damages against each company and violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continues to report a debt that was discharged in bankruptcy in XXXX to credit reporting agencies up to XXXX of XXXX negatively affecting credit score. 

Rushmore Loan Management currently is reporting the debt and held the debt at the time of the bankruptcy filing, XXXX XXXX XXXX held the debt prior to Rushmore and also is continuing to report the same debt.
Product: Mortgage

during the pandemic nothing is open. i submitted my homeowners property tax ( HTC ) credit application during XXXX. i never received my tax bill with all the mail issues. when i checked up on it i was told i received {$2300.00} credit toward my property tax which is escrowed for. i immediately contacted PHH to discuss how this is handled since my payment never reduced. no one can answer me. my mortgage was originally with ocwen and they handled the htc seamlessly. phh is a subsidiary of ocwen so i figured they knew how to do this too. they are quick to " advance '' money ( loans that extend my mortgage balance ) but have no idea how to apply a tax credit. " XXXX code XXXX '' continues to call me and let me know that they are working on it. this is not good enough. i am low income during a pandemic, small business with ALOT OF MONETARY ISSUES AT THIS TIME. this credit would have benefitted my family when it was awarded in XXXX. i have already filed my property tax credit application for this year. i have demanded that an escrow specialist contact me to discuss how phh handles this but XXXX is the only one that calls. I DEMAND TO KNOW WHERE MY MONEY IS AND HOW THEY INTEND TO HANDLE THIS. here i sit with an XXXX year old dependent living with me, self employed in a pandemic situation. even my federal refund has not been received. i need help and i need it now. 2 docs attached - tax record from XXXX county maryland outlining my credit and the email i sent with the same attachment to phh dated XX/XX/2021 because i got tired of calling and decided to document this. please help
Product: Debt collection

Dear Consumer Financial Protection Bureau : Im writing to request assistance resolving XXXX  and credit reporting discrepancies with Jefferson Capital Systems. 

I received a letter from Jefferson Capital systems in XXXX of XXXX requesting payment on a debt incurred through XXXX XXXX back in 2019. The original debt was XXXX and the letter stated they would accept a settlement payment of XXXX to resolve the account in full. 

I called Jefferson Capital systems on XX/XX/XXXX to negotiate payment options. I learned during the call that the offer expired the day before, on XX/XX/XXXX and they had just filed a case against me with the XXXX XXXX XXXX system. I asked if there were still options to negotiate a settlement. Jefferson Capital systems agreed to accept a payment of XXXX} as payment in full and to drop the associated court case. I made the full payment of XXXX that day to avoid receiving a court summons and settle the matter before it became a legal proceeding. I received a letter from Jefferson Capital systems on XX/XX/XXXX confirming the debt had been satisfied. I received another letter from them dated XX/XX/XXXX notifying me they had requested dismissal of the court case, with prejudice. 

On XX/XX/XXXX I received a court summons on the case. I called today to check on the case status and the court confirmed they never received a request for dismissal, and I have XXXX days from the date I was served to file a response. I have also learned the debt collector has updated my credit file to show the account still in collections with an amount owed of XXXX. I would like to find out if I have any recourse against the debt collector for failing to uphold the terms of the agreed upon payment to settle the debt. At the very least I would like the active court case against me dropped and my credit report update to show the debt collection paid as agreed. 

Thanks for your help
Product: Credit reporting or other personal consumer reports

XXXX XXXX Stated in the letter attached that they verified the Bankruptcy from a 3rd party ( Pacer ) Lexis Nexis and Pacer has the incapability to verify information unless they have first hand knowledge of an alleged debt or account. As you will see in my evidence directly from the Clerks office stated they do not provide any credit reporting agencies with any information. XXXX no XXXX XXXX can not validate or verify any information that is not directly being verified or validated by the original creditor. 



Please investigate the unlawful practice of XXXX XXXX and there methods of conducting investigations as the accuracy of reporting information. They are clearly not properly following the FCRA regulations as it pertains to the Privacy a consumer has a right to, and also they do not have permissible purpose or written consent.
Product: Checking or savings account

I received a direct deposit to my WellsFargo checking account and it still has not posted after 3 business days. Direct deposits received before 2pm are supposed to post the next business day. What happens is WellsFargo shows the customer " available '' funds face up when logging into the account, but what is shown is actually not true. In the background, the account has a lower balance than what WellsFargo shows the customers when funds are " pending '' and not " posted ''.

This has been an issue for me in the past where WellsFargo has charged fees for overdraft even when showing me that I have available funds. No one on the phone was able to help. I had to go to branch manager and it took several conversations and over an hour to straighten out the situation. 
Again, WellsFargo is not posting direct deposit funds in a timely manner.
Product: Debt collection

I keep on receiving Debt Collection Requests from Rausch Sturm LLP even after I've informed them that I never applied for any Credit Card From XXXX XXXX XXXX  nor any other credit Card. I don't even own a creit card for that matter. I have asked for additional information as well but never received them.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to ask for your assistance with a matter regarding potential inaccuracies on my credit report. After reviewing my report, I have noticed several discrepancies that I believe may be incorrect, and I would greatly appreciate your help in reaching out to the credit bureaus to investigate and resolve the issue. 

As I understand it, the credit bureaus are required to investigate disputes under the Fair Credit Reporting Act ( FCRA ), and I would like to ensure that these discrepancies are properly addressed. I would be grateful if you could help me by contacting the bureaus on my behalf or advising me on the most effective way to initiate this process. 

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
Product: Debt collection

This complaint is posted as even though there is a collection posted on my personal credit report, at no time was I ever given notice of such a collection from a public utility. I do not accept public utilities having the right directly or through a collection agency to post a negative item on a consumer 's credit report. The Fair Credit Reporting Act was not established in 1970 to take public utilities into consideration, as they are governed not by federal laws, but through public service commissions in each state. Accordingly, this posting on my personal credit is illegal by federal mandate. The original utility known as XXXX XXXX XXXX XXXX XXXX can send to me an invoice for payment once the collection is deleted from my personal credit report. DELETE THIS COLLECTION AS THE DEBT WAS NEVER VALIDATED!!!
Product: Credit card or prepaid card

I contacted this Credit Company as I never received an actual card for the account since I had had it. I charged a little on the account over the holidays, and I hadn't received any bills or a card, except one random statement that said I had missed a payment. I called them and told them I didn't have a card and spoke to agent and wanted to make a payment. I asked if I was charged any late fees, she said no I had not received a card, how could I be late on the account? I told her I wanted to pay it, she wouldn't take payment until I had received the card and a statement. I confirmed multiple times with the agent that I wouldn't get a late fee and wouldn't receive any interest, she said without ever getting a card, how could I be late? 

I logged on to my account once I finally got the card -- and sure enough I was charged a late fee and interest.
Product: Debt collection

My credit report is showing I owe a collection agency ( COMMONWEALTH FINANCIAL SYSTEMS, INC ) for 2 medical services I NEVER received, let alone step into a hospital! I am in NO WAY ASSOCIATED with this claim and ask that this is removed from my report. I have done research on this company and see that it is a FRAUDULENT COMPANY that has done this to many people! 

{$1100.00} Opened XX/XX/2018 ( 1 mo ) Account status Open {$780.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type
Product: Credit reporting or other personal consumer reports

I disputed credit account on credit report as this was with collection agency and they would not fully provide me proof of purchase from credit account original owner company with chain of purchase and no statements. I want this removed off credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has reported to all 3 bureaus that the account was discharged in my CHXXXX bankruptcy which closed in XX/XX/2021. They are reporting late payments to my credit and sent me another collection letter on XX/XX/XXXX. Bankruptcy guidelines are very strict that once the debt has been discharged they are not to continue collecting. This company is committing fraud by pursuing this the way they are. I want Total Visa to quit contacting me in regard to this matter and remove themselves from my credit and stop reporting late payments.
Product: Checking or savings account

I had 2 legal settlement checks made out to me by a previous employer totaling over $ XXXX. 
My funds have been held by Chase for 1 month. 
I have contacted the loss prevention department everyday for 1 month and have complied with every single one of their unreasonable requirements and demands, including providing 12-14 phone numbers so Chase could verify the funds are valid.

They are unwilling to verify the funds directly with my lawyer, the opposing lawyer or directly with the maker of the check.

I have even offered to provide documents ( apart from the checks themselves ) proving the funds are valid. Such as, previous paystubs, bank statements, and even W-2s.

Chase has confirmed the funds have cleared so the maker is unable to stop/cancel the checks and reissue.

The funds have been cleared and Chase is refusing to give me access to the money Im owed.

I believe Im being discriminated against and if this is not resolved in the next 24-48 hours I will be taking legal action Again.