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

I've used quick pay with XXXX for sending money to and from my two bank accounts with different bans. I have a checking account with XXXX XXXX XXXX which I pay all my bills with and I have a checking account with chase that I deposit my checks into. ive been using XXXX to transfer money for well over a year and never experienced the problem. 
on XX/XX/2020 I tried sending {$700.00} usd from my chase account to my XXXX XXXX XXXX account, but accidentally sent it from my chase account to my chase account. I received an email right away from chase on XX/XX/2020 stating that I received a XXXX   payment of {$700.00} usd, but the money was taken out of my account and it is still not in my account. today is XX/XX/2020. I've been on the phone with chase three times for a total of about 6.5 hours and the problem I still not solved. they told me that the problem didn't occur on their end which doesn't make any sense because I received the email saying that it went into my account but never did.
Product: Debt collection

Saw that there was a collection on my credit report and called the collection company to verify. Told them I didnt receive notice or notifications that i owed anything and offered to pay in full if they would remove it from my credit completely. They said that they sent a letter and I was notified but I didnt receive anything at all. They told me that was my problem and said I needed to contact the post office. They said they would take my payment and report it as paid in full. I dont believe this is fair since I didnt receive notification. I argued with the customer service, but they were rude and didnt help me. I will pay this balance in full but I want it off my credit, I would have settled before collections but I was not notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

****REMOVE THE CONSUMER STATEMENT AND FRAUD ALERT IMMEDIATELY! **** Is this a coordinated attack from XXXX XXXX, XXXX, TransUnion and XXXX  or simply the results of a reckless atmosphere within the credit reporting agencies and towards requirements/laws Congress has clearly stipulated. 

XXXX, XXXX and TransUnion have blatantly committed fraud by adding a consumer statement and 90 day fraud alert on my credit reports, implying it was done at my request, particularly in light of the fact, I had clearly requested to remove all consumer statement and NOT add any additional consumer statements just 10 days ago. 

Summary of Facts : I have been trying to close on a {$600000.00} mortgage since XX/XX/XXXX ( see attached ; inquiry from XXXX XXXX ) and must close by XX/XX/XXXX, otherwise suffer a large financial lose. They will not close with any consumer statement on my credit report. 

On XX/XX/XXXX, I filed a dispute and clearly requested the removal of all consumer statements and that I did not want any CONSUMER STATEMENTS reported in the near future. See case # XXXX XXXX Here is the exact wording : RE :  XXXX XXXX XXXX Credit Card acct # XXXX x FRAUD! I have no idea what the XXXX is going on. I have a XXXX XXXX Credit Card with a credit limit under {$1000.00}, which I have not used in years. 

*irreversible harm and damages is certain within weeks from today if no action is taken promptly, as the timing of these most recent updates to my credit report could not have come at a worst time. 

*Also ; I DO NOT WANT ANY CONSUMER STATEMENT ADDED TO MY CREDIT REPORT AT THIS TIME AS A CONSUMER STATEMENT WILL ALSO HARM ME. I SIMPLY WANT THE NEGATIVE INFORMATION SYNCB RECENTLY REPORTED REMOVED ( THIS CAN BE A TEMPORARY REMOVAL AS I AM HIGHLY CONFIDENT ANY INVESTIGATION WILL CONFIRM MY CLAIMS AND CONCLUDE FINAL REMOVAL. 

However, I was shocked and bewildered that XXXX, XXXX and TransUnion went ahead and placed a consumer statement along with a 90-day fraud alert onto my credit reports without my knowledge and request. 

I am assuming the credit bureaus will Likely attempt to use my complaint in case # XXXX XXXX as their reason. If that is true, it is further proof XXXX, TransUnion and XXXX do NOT properly read and investigate claims of disputes. Nowhere in that dispute did i request or even hint to add a fraud alert or consumer statement. 

WHY? The fraud I disputed on case # XXXX XXXX took place three ( 3 ) years ago. It is clearly written in the dispute. Further I have ID theft protection through XXXX and a membership with XXXX who claims to monitor and safe guard me from ID theft along with a XXXX dollar insurance policy to cover any cost. Therefore I am in no need of a consumer statement or fraud alert. 

PLEASE remove the consumer statement and fraud alert immediately
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX RE : Cease & Desist from Collections Dear LVNV Funding LLC. : On XXXX First 2024, I received a letter on behalf of your company contacted me and claimed that I owe a debt to XXXX XXXX XXXX, XXXX. under account number XXXX. Please show me prove that I sign any agreement with your company. At this time, I would like for you to make a note that I am disputing this claim and that I do not believe you are in title of owing this account. 
Your continuous calls, e-mails and such conduct have caused me to suffer severe humiliation, embarrassment, emotional distress, and physical discomfort. Please take note that any future unsolicited calls or letters will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt to collect said debt. 

I hereby demand that you cease and desist all future calls letters and update your records immediately. If action is not taken by you to cease and desist within 6 days from receipt of this letter, I will have no choice but to take appropriate legal action against you, including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 
Sincerely,
Product: Credit card or prepaid card

A hotel reservation was booked on XX/XX/XXXX for the night of XX/XX/XXXX with a 24 hour cancelation policy. I called to cancel on XX/XX/XXXX, within the cancelation policy but I was charged for this room for {$87.00} anyways. 

When I disputed the charge, XXXX would not refund me and Capitalone said they would not provide me a refund on their end either despite providing them the information they requested. Ive been disputing this charge for weeks and they told me they're closing it and I had to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letters I sent out and here is the Tracking # XXXX, XXXX, XXXX According to the FRCA The term '' investigative consumer report '' means a consumer report or portion thereof in which information a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything have to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

my credit score is low because I just found out that an account that was closed in XXXX 2014 is still reporting till this year that I have not made payments. this is causing me low score. Why is it still saying that.
Product: Mortgage

I filed an insurance claim. My insurance company promptly issued me a check and included my mortgage company. I got estimates, had the work completed, got an inspection that it was done. My mortgage company. Pennymac, is not releasing the funds to pay off the contractor. My mortgage company keeps sending me random forms that I already completed to be notarized and each time I call they give me a different excuse.
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 USR 1681.

account name - XXXX  account number - XXXXXXXX, account name - XXXX XXXX account number XXXX account name - XXXX account number XXXX, account name XXXX XXXX XXXX, account number XXXX 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: Credit reporting or other personal consumer reports

I am filing this complaint to DISCOVER BANK for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. 
As I checked my credit report these fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$31000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX. c/o Resurgent Capital Services is reporting an old debt from XXXX XXXX XXXX  XXXX in the amount of {$590.00} to the three Collection Bureaus. This company is not a licensed collection agency in Nevada and I have learned that they have no right to attempt collection on this debt. I have re-established credit with XXXX XXXX XXXX and currently hold 2 accounts with them. I would like to request that this debt be disputed and removed from all three of the Credit Bureaus as soon as possible. As of XXXX/XXXX/XXXX, the debt is still showing on my credit reports and is bringing my credit scores down. Thank you for your time!
Product: Credit card or prepaid card

Fidelity Credit Card has been advised by the vendor on a contested charge that they are willing to close out the challenge for {$3200.00}. The vendor XXXX XXXX XXXX has sent me an email and there is a open case for this to be resolved through Fidelity Credit Card. Over the last two months I have had several problems with XXXX XXXX XXXX. The credit card company agreed to settle the issue and I have requested a new analyst as the present analyst. XXXX has not been removed from my investigation regardless of the commitment from management and he doesn't look at documents and understand that when a customer is promised something and not provided the item as described then this means the product is not the same as what was promised. The lack of assistance from the representative was the reason I have escalated and continue to complain about Fidelity Credit Card. They have issued no less than 6 credits back to me in form or checks, credits to my account and now they have a mess on my account showing that I owe them money and along with it a problem where they will charge me as a cash with interest. They have sent me over {$5800.00} in the last week and now we are faced with yet another issue on the billing. Please help me as they have made my account not available online and must wait for them to give me access to account. They will not provide the statement until XX/XX/2020.
Product: Credit reporting or other personal consumer reports

My credit age on all 3 of my credit reports are incorrect I have been a XXXX XXXX Member since 2017 and XXXX Equifax XXXX is showing I have only been a member for 7months and I want my information updated correctly to 6yr credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and or deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of face by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are required to do what I am asking and these transactions from being reported to my consumer report within 4 days from the receipt of this notice. I look forward to your response.
Product: Money transfer, virtual currency, or money service

This company its fraudulent they sent my bank bogus paperwork saying I authorized transactions when I file a police report and identity theft report seems like they buy info of the dark web and access accounts I never open a profile with there company .and demanding refund if my money for unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts below were reported incorrectly and inaccurately EQUIFAX with no supporting documents of that this is valid and have no error. The payment history is incomplete and they failed to provide any proof which I already requested for so many times.. Moreover, the accounts have illegally re-aged which is totally not acceptable as per Federal Credit Reporting Act requires 100 % accuracy. The issues have been raised previously with no feedback received. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  issue was resolved a couple years ago and remove the fraudulent item off my credit report. Now they are putting back on there. Inaccurate information from their company has cause me mental health issues. That was already resolved. Remove this item off my credit file. I Will be taking this further to seek compensation due to these inaccurate issues on my report.
Product: Debt collection

This is XXXX of XXXX debts reported on my credit report, This complaint is directed to Capital One Bank NA ( as shown on my credit report ) listed under a court docket, it is stated " satisfied ''. 

However, this judgment was not mine. I had contacted the courthouse in regards to this and tried to get it removed but was told only the creditor could remove it since they were the ones reporting the information. 

I do not understand how this is possible since I would think that a social security number would need to match the associated name with the account as well as the court docket. I had tried my best to dispute this claim and actually made several attempts to get this removed with the credit bureaus and nothing was done. 

I spent a good work week worth of hours trying to get this resolved, but there is only so much i can do since I am working XXXX hours a week. I was not contacted at all by the creditor. I was not contacted to confirm any information reported. No letter of notice was sent out and was not given any opportunity to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reporting past due amounts in which I have never been late. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Checking or savings account

On XX/XX/2022 at XXXX XXXX  I received a call from my bank informing me of a unarthorized transaction with my account. At the time my mind-set was " ok lets deal with this right now '' so I was talked into giving up my PIN. An hour later an amount of {$650.00} was withdrawn from my account. I called my bank to cancel my debit card. The next day, XX/XX/2022 at XXXX XXXX another unarthorized withdrawal of {$620.00} occured. So I went to my bank in-person to sort out the problem. Appearantly the bank representative I spoke to about cancelling my debit card failed to cancel my old card allowing another unarthorized withdrawal. Now my {$650.00} claim dispute has been denied and I am unsure about my {$620.00} dispute.
Product: Debt collection

on XX/XX/XXXX I ran my first XXXX XXXX inquiry and discovered 3 accounts that were never set up by me. I did not know how to resolve the issue, so I made payments for the first time that next month, from my personal checking account in order to not ruin my credit and called and closed those accounts and reported them. I continued to pay on them while I investigated and tried disputing them. I discovered, through some time and law enforcement investigation that I have been the victim if identity theft. I filed a police report and an investigation was started and sent to the prosecutors office. It is probably international, so they did not pursue. I have a copy of the police report filed on XX/XX/XXXX with XXXX County Sheriffs office. These accounts have been open and paid for for years without my knowledge or consent. No paper bills were ever mailed here until I requested them. No payments were made from my accounts until I discovered the accounts on XX/XX/XXXX ( I believe ) There was a fraudulent XXXX account, linked to XXXX and light coins that was used to pay for these credit cards. that was closed and resolved immediately. I never signed an agreement to open these credit cards. I have spent over a year disputing these 2 Bank of America accounts. At first I was told it was resolved and then they changed their minds. I have spent thousands trying to keep a good credit rating and have spent countless hours on the phone with them disputing and trying to repeal the denial. I have provided Bank of America with the police report and proof that the account used to make payments on the Bank of America credit cards was fraudulent. I provided them with this TWICE, as it was 'lost ' the first time. I have not attached any documentation to this, as I have already provided it to Bank of America twice. They should have it. 
I believe I have fulfilled all of the requirements and I continue to cooperate. However, I was told I could look to you for help resolving this issue. I feel like I have had no choice and I'm losing so much for an account charging things that I have never heard of or seen! 
Thank you in advance for your help, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/year>, and realized that there is a medical collections bill reflecting on my credit report. 

I am writing to formally submit a complaint against the collection agency XXXX XXXX XXXX for reporting a medical bill on my collections report. I believe this reporting constitutes a violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and infringes upon my privacy rights. 

Under HIPAA, medical information must be kept confidential and can not be disclosed without my explicit consent. The reporting of this medical debt not only adversely affects my credit report but also exposes sensitive health information, which is against HIPAA regulations. This situation raises serious concerns about the handling of my medical data and my rights as a consumer.

I request that the CFPB investigate this matter and take appropriate action against the collection agency for their apparent disregard of HIPAA laws. Thank you for your attention to this urgent issue.
Product: Debt collection

While reviewing my a XXXX, XXXX and XXXX that a collection notice was placed on my report. I attempted to contactXXXX and PORTFOLIO RECOVERY SERVICES, LLC, arguing that I dispute the validity of the debt without success. I personally contacted PORTFOLIO RECOVERY SERVICES, disputing the validity of the debt. I requested that they provide me with an original signed contract of obligation with the XXXX as a matter of law and PORTFOLIO RECOVERY ASSOCIATES has failed to do so but insist on continuing collection action that a s a direct result of ID THEFT and knowingly with intent to cause me economic harm placed collection status on my credit report making it very difficult to secure a meaningful job and obtain new credits. 
Upon belief and Information, this debt is/was as a direct result of ID THEFT, therefore, I`m not to be liable for the debt.
Product: Debt collection

XXXX was being garnished out of my checks from XXXX until XX/XX/XXXX. I sent in proof I asked an emailed on multiple occasions via email on what do I have todo on being reimbursed an still have not been given an update as when they will be putting the money back that XXXX XXXX XXXX over garnished out of my check when I was done with debt on XXXX XXXX last payment of {$200.00} paid now Im waiting on almost {$1500.00} to be returned an havent gotten any updates on when or how it will come back to me
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I've had a derogatory status that has impacted my credit report tremendously due to the fact that the creditors, credit report agencies, and furnisher was in violation of the Fair Credit Reporting Act 15 U.S.Code-1681 602. Also Privacy Act 5 U.S Code 522. Due to such actions by this creditor & credit reporting agency being Radius Global Solutions with XXXX XXXXXXXX being the originally creditor, & XXXX has left me with a balance of {$470.00}. I have made several attempts to try to resolve this issue by agreeing that i would pay this so called debt if proof was shown that I Consumer was who in fact initially opened this account. Which they have failed to do so. Their only response that I will be forced to pay this already discharged debt.