23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Truist Bank is taking numerous fees from my account just about every week totaling in {$300.00}. If a charge is sent back Im charged. Im being charged {$36.00} for a XXXX overdraft on my account. Theyre allowing payments to through on accounts even if you have a lock to stop any activity on your account.The bank is allowing companies to keep submitting payments multiple times and charging {$36.00} for each failed transaction and then eventually letting go through and then charge another {$36.00} even when the card is locked.
Product: Mortgage

I paid my XX/XX/XXXX mortgage payment at Chase bank, XXXX XXXX XXXX XXXX, NV on XX/XX/2016. I called the automated system on XX/XX/XXXX & XX/XX/XXXX to make sure that payment had posted to my account. The payment was not there.I called the branch on XX/XX/XXXX and was told they could see my payment in the system, so I contacted the call center and was told the teller made an error, but my payment would be posted. I called back on Monday, XXXX XXXX and was told it would post by the end of the day. I called back on Tuesday and once again I was told it would post by the end of the day. On Wednesday I contacted the call center, asked for a manager, and spoke to someone that was extremely rude, she told me " humans make mistakes '', and then she hung up while I was still speaking. I called the branch manager, and was told she could n't get a response from anyone at the call center regarding the posting of my payment. 
She gave me the number for Corporate, but this is still unresolved. Where is that payment that I made on XXXX XXXX?
Product: Debt collection

-multiple debt verification inquiries were sent to the opposing party, asking for signed documents that validate debt. I never received any validating documents. The most recent inquiry sent on XX/XX/20 -current account is reporting inaccurately on all three of my credit reports, dispite the known and highlighted inaccuracies that were provided as proof in the form of all three major credit bureau reports.
Product: Debt collection

Optimum Outcome Inc, Inc is a collection agency sourced for XXXX XXXX  XXXX. I went to the Emergency Room in XX/XX/2017 for medical services. I provided my insurance at the time of the ER visit There were two different claims submitted, hospital stay ( General ) and ER physician billed separately. The " General '' portion of the claim was submitted within the approved time to my insurance carrier and it was paid. This includes all other billings for that date of service. The ER Physicians billing were submitted well outside of the 90 days, and it was denied by my insurance carrier. This collection company, Optimum Outcomes Inc was sourced to collect the unpaid portion of {$480.00}, the amount denied by my carrier. Optimum Outcome informed me that this was my responsibility because it was the remaining due for my ER visit. I paid the amount not understanding that this portion was rejected because it was not submitted to my carrier in the specified time of not to exceed 90 days. After finding this out, I contacting Optimum Outcomes Inc and they refused to issue a refund and said I would have to speak to XXXX XXXX XXXX regarding to resolve because the account was " closed out ''. They would not provide me with any contact information for the client, however instructed me to search the internet for a contact number. This is a bad practice as my claim was not submitted within the time given by insurance carrier. I wasn't responsible for late claim submission and Optimum Outcome Inc made it seems as if I had an open balance. A portion that my carrier did not cover. Optimum Outcome Inc collected on a claim that the medical provider didn't submit in a timely fashion, well after 90 days and was denied by my Insurance Carrier for that reason. They instructed me to pay the balance in full, and submit to my Insurance Provider for reimbursement. This is when I learned about the collection tactic that was used. The claim was denied in the beginning.
Product: Debt collection

On XX/XX/24 I requested SPECIFIC information from LVNV Funding, XXXX, which was not answered in a timely manner. On XX/XX//24 I filed a complaint with the CFPB regarding my concerns. On XX/XX//24 LVNV responded, however it was not the information I SPECIFICALLY requested. I am now requesting SPECIFIC information from LVNV Funding, LLC that I have addressed to their Registered XXXX XXXX XXXX XXXX, in an attempt to receive the SPECIFIC information, I am requesting, prior to any future actions.
Product: Money transfer, virtual currency, or money service

This situation is a cryptocurrency problem on the website Coinbase. About 3 months ago, I accidently sent Tron ( TRX ) to my ETH Coinbase wallet. They do no support the exchange, but refuse to send the private keys and return the money to the original exchange I sent from ( XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to address serious concerns regarding issues I have found with my credit report. During my review, I noticed multiple inaccuracies, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are impacting my financial stability, and I urgently need your assistance to resolve them.
Product: Money transfer, virtual currency, or money service

I've been using cashapp to pay bills etc I've never had a problem I placed XXXX in my cashapp balance the XXXX of this month and XXXX weeks ago went to cash app it denied I verified my ID spoke to customer service even provided bank statements and proof if change and still they refuse to tell me why or anything just locked acct and said I won't get my money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

This account is not my account and he listed on the Police department as fraud account.

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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX 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: Credit card

I applied for a card with XXXX XXXX bank and I need getting denied because they said a bankruptcy before that included XXXX of its credit cards. It's been almost 10 years ... I nevered included a card with them ... in fact they closed my only card I had with them because of no used. 

When I applied they said ... your application has been denied because XXXX of credit card was included in a bankruptcy ... and that the decision was not made by a credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account Number : XXXX, 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 an account without my written instructions.
Product: Credit card or prepaid card

For almost 7 months I have contacted American Express to fix an issue to where they are not applying for my payments according to the terms of the agreement. Every month they have stated that they would take care of the issue, however, they never have. This is not a new issue and they are not blind to the fact that it is happening unless it is willful blindness. I make more than the minimum payment every month but they do not break the payments up according to the contract. On several occasions I attempted to get this fixed without any resolve, however the company continues to send responds just to indicated a response however all responses to date do not address the actually issue. Payments in excess of the min payment are not being applied to the highest APR appropriately as indicated in the credit card agreement. And disputes are being closed without proper explanation. Court docs where sent the XXXX XXXX, XXXX, and XXXX XXXX without any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since early XXXX I have attempted to get experian to correct their inaccurate reporting of my XXXX XXXX XXXX account. XXXX has given me assurances in writing and orally the account is and has been reported as closed to all 3 credit reporting agencies. However, EXPERIAN flatly refuses to correct their reporting and show this account as OPEN when it is closed. I have submitted numerous request to experian to show this account as closed and uploaded the letter from XXXX dated XX/XX/XXXX stating they too have told experian the account is closed several times but it is up to experian to update its own records. I sent XXXX 's letter to experian and was given # XXXX when I completed the upload with yet another dispute of their incorrect reporting and experian promptly stated matter was closed and still show the account open with the dispute closed. I got another letter from experian XX/XX/XXXX # XXXX portions of report marked showing they have account open not closed as XXXX is reporting it. Their false reporting makes my credit score rather low because it shows I am using a over 50 % of my credit from XXXX when in fact it is closed and I am using XXXX % just paying back the debt I incurred as we agreed I would. Please contact experian and instruct them to correct their records to show my XXXX account has been closed since XX/XX/XXXX NOT OPEN and being used as a line of credit. Thank you.
Product: Debt collection

On XX/XX/XXXX I received a Final Account Notice from XXXX XXXX ( XXXX XXXX ) showing the amount I owed from moving out of my  apartment which was {$280.00}. I did not pay this right away and the account was sent to a collections agency named RentDebt Collections. On XX/XX/XXXX I paid RentDebt the full amount of {$310.00} for the debt which included additional interest and fees. I did not settle this account, it was paid in full. 

On XX/XX/XXXX, 7 months after I moved out and 2 months after I paid the debt in full, I received a NEW Final Account Notice from XXXX XXXX ( XXXX   XXXX ) charging me an additional {$130.00} for the collection fees that they were charged by the collections agency that they hired. 

Also, RentDebt has stated on my credit report that the debt was settled - less than the original balance when I PAID THE BALANCE IN FULL PLUS INTEREST AND FEES.
Product: Debt collection

I do not have an account with diversified consultants I am not liable for this debt with XXXX I am not responsible for the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a security freeze and opt-out request to LexisNexis Consumer Center in early XXXX. They responded with a series of conflicting, ambiguous correspondence implying there are multiple files, then a few days later send a letter indicating they can not process my request, but fail to indicate which request. I sent a dispute letter on XX/XX/2021, and they failed to answer the dispute. These companies hold a lot of power and can and do affect the livelihood of consumers with the flip of a switch ; I expect their communication to be timely and unambiguous, and in my opinion, the law requires it.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have the wrong person- I am not that person
Product: Mortgage

I currently have a mortgage with XX/XX/XXXX. I am a XXXX  in XXXX County. In XX/XX/XXXX Hurricane Irma struck and we requested a disaster forbearance for our home. XX/XX/XXXX granted the forbearance to the end of XX/XX/XXXX. At the time my mortgage payment was {$2600.00} per month. I had never been late since buying the home in XX/XX/XXXX. They told me at the end of XX/XX/XXXX to call them to set up new terms for the mortgage. I did so and was put on a 3 month "  trial '' period of an increased payment from what I had been paying prior ( {$2600.00} to {$2700.00} ). At all points in this forbearance and modification of the loan have I followed all of their requests without fail. In XX/XX/XXXX they reported to my credit report that I am 60 days delinquent on my payments thus literally destroying my good credit. I have requested with them that they fix the credit report with an explanation the I have been under a forbearance due to disaster and have paid all payments that they have requested. I did so in writing to them and have, as of yet, had anyone correct this on my report. I've been complaining since XX/XX/XXXX ( the very day of the credit reporting ) for them to fix this and was assured they understood and would do so. This has been to no avail. I have lost my good credit, had my credit cards either reduce my credit limits or outright cancelled my credit. On top of this, they now state that I have a " lien '' on my house and they requested I go to the XXXX county records office to " prove '' that this is not the case because I presumably have a " common name '' and they now have the modification of my mortgage on hold. I went to the county records office and found no such " lien '' under my very specific name and faxed them all that was on the county record. 
My grievance is twofold. They are taking advantage of people that suffered through a natural disaster and misreporting this to the credit bureaus that I am late on payments when I have followed to the letter what they have requested. I want my credit report accurately reflected as what has really happened. Also, the underwriters appear to be playing a game stating I have a lien on my property that does not exist just to stall on the final arrangements for the mortgage payments from this time forward. I want them to quickly resolve these problems as soon as possible. No more stalling, no more games, no more requests to run 20 miles to the county courthouse to find non-existing liens on my home or in my name. 
I researched the XXXX XXXX XXXX web site for complaints against XX/XX/XXXX and found two other complaints from Hurricane Irma victims that are similar to mine. The company needs to be held accountable for their misdeeds against the victims of natural disasters and do what is appropriate.
Product: Debt collection

H & R accounts continue to call my phone number, now they are sending text messages i requested any and all information to be send via the address they have on file of which they have not done
Product: Credit reporting, credit repair services, or other personal consumer reports

privacy and confidentiality under 15 USC 1681. 

Account name : # ending in XXXX ( XXXX XXXX ), Account name : # ending in XXXX ( XXXX ), Account name : # ending in XXXX ( XXXX XXXX XXXX  ), 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: Credit reporting, credit repair services, or other personal consumer reports

The information on the entry for the  Chase  account is incorrect. This account had been reflecting on  XXXX  for the last 5 years a Payment Status of " Paid '', and " Payment Status Details '' of " paid, was charge off ''. It also was reflecting a {$0.00} Balance Due of {$0.00}  ( " - '' ) an  d Past Due of { $0.00} " - '' ). The "  Status Updated  '' date reflected a date of  XXXX . I also received a  XXXX  in  XXXX  for the same account and recently requested another copy of the same  XXXX .     In early  XXXX  of   XXXX   I tried to get my mortgage refinanced and my  XXXX  credit report was updated approximately 4 days later by Chase to reflect an older "  Status Updated ''  date of  XX/XX/XXXX  In addition the Chase entry reflected a Status of " Charge off '' with a " Payment Status '' of " PAST DUE ", a P '' ayment Status Details '' of " PAST DUE '' amount '' of {$16000.00} and a " Balance '' of {$16000.00}. My  Credit Score  also dropped over  XXXX  Points and prevented me from refinancing my mortgage.     I immediately sent a credit dispute letter to  XXXX  indicating my Credit Report information was incorrect and out dated ( i.e. the older "  Status Updated Date  '' changed from  XXXX  with the correct information to a  " Status Updated ' ' date of  XXXX  with INCORRECT information. However, this dispute to   XXXX    resulted in no change to my credit report. I then called Chase directly and was forwarded to multiple departments and managers none of which were willing to correct my report or acknowledge it was wrong. They directed me back to the  Credit Reporting  agency  (   XXXX  for resolution ) I sent another dispute to   XXXX   with copies of the '' before '' and " after '' credit reports ( with  one  copy of the recent incorrect report and multiple copies of the correct report from that had been reflecting correctly for the last 5 years ) and a copy of the  XXXX  issued back in  XXXX  but got the same result. No correction updates to my  XXXX  report for the Chase account. This information remains out of date and incorrect.     This incorrect and out date report has prevented me from refinancing my mortgage, increased my insurance rates and preventing me from getting preferred credit in other situations.     Please Help me either get this  Chase  entry either deleted or updated back to  XXXX  out balances and past due amount. This entry is now  one  month from bein g 6 years old a nd had been reflecting positively with a  Paid Status, wa s charge off and  XXXX  past due for 5 years.
Product: Credit reporting or other personal consumer reports

I checked my credit report it is a fraudulent inquiry from XXXX XXXX XXXX XXXXXX/XX/year> can you remove this from my credit report immediately
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I created a crypto account with a company called Coinbase and bought {$130.00} of various cryptocurrencies with my debit through their mobile app. I bought XXXX dollars in Bit coin, XXXX dollars in XXXX, XXXX dollars in XXXX and bought XXXX dollars of XXXX XXXX XXXX coins. I could see the reflected balance fluctuate with the market on my porfolio up until XX/XX/21 XXXX XXXX. When I check my porfolio and hour or so later my porfolio showed a balance of XXXX. I checked the transactions on each crypto and there no recent transactions to show why my balance is XXXX. It only showed the amounts I purchased the night before. Out of concern I locked my account and emailed coinbase several times I recieved a generic reply from a third party website asking if my problem was resolved and replied " no it has not ''. I tired to contact customer service by phone as well but can not get in touch with a live representative. Only an automated line that allows you to lock your account if you feel it has been compromised. I researched online and found forums with many people having this same problem. Can you please help stop these crooks? 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I filed an initial dispute for the XXXX  XXXX XXXX and XXXX charge on my Chase Account ending in XXXX on XX/XX/2022 because the hotel was significantly not as described. The dispute was rejected and I was asked to resubmit additional evidence and documentation to reopen the dispute, which I dutifully did on XX/XX/2022. I attached the correspondence I engaged in with the hotel and with XXXX XXXX and I provided photographic evidence along with comparing how what was promised on the hotel website was different from what was offered to me at the hotel. 

The dispute was denied again and I was told I could initiate a partial dispute, which I did pursuant to consideration of my time and the value I placed on the amenities that were missing from the hotel. This third appeal was submitted on XX/XX/2022 and I received a reply on XX/XX/2022, saying the dispute was denied again. 

This is a violation of the Fair Credit Billing Act, which gives me the right to raise billing disputes regarding goods or services that were " significantly not as described. '' The denial of my dispute constitutes a violation of this act. I have attached the documentation I sent to Chase for further review.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX, Equifax and XXXX  in regards to an item that is appearing on my credit report from a company called XXXX XXXX XXXX. I mailed letters to each of the three credit bureaus, letting them know that the information that was reported is incorrect. These letters were mailed certified XXXX and I received confirmation that they were delivered to their respective addresses successfully. On XX/XX/XXXX, I received notification from all three credit bureaus, that XXXX XXXX XXXX was contacted in regards to the debt that is being reported, and the debt was validated and they stated that it was being reported correctly. The information that is being reported is not being reported correctly. They refuse to explain to me how the debt was validated after multiple phone calls and letters requesting the above information
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts on my credit report do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX. This matter concerns student loans ( account number XXXX ) taken out for me by my father, XXXX XXXXl ( deceased as of XX/XX/XXXX ). The lender is the U.S. Department of Education, and the servicer is XXXX. The loans are " Parent Plus '' loans, with a total amount ( principal and interest ) of {$34000.00}. This amount appears on credit reports issued by XXXX, XXXX, and TransUnion for me, XXXX XXXX. The amount was supposed to have been removed due to my father 's status as XXXX ( XXXX XXXX XXXX   XXXX ) ; this status was initiated in XXXX. The issue occurred because in XXXX, my father overlooked renewing his XXXX status with XXXX, which caused the loan to revert to active status. 

Due to my father 's failure to renew his XXXX  status with XXXX, in XXXX of XXXX the loan amount of {$34000.00} appeared on my credit reports issued by XXXX, XXXX, and TransUnion, DESPITE my having submitted to XXXX on XX/XX/XXXX, my father 's death certificate ( see attached document ). Please assist me in removing the {$34000.00} loan amount from my XXXX, XXXX, and TransUnion credit reports. 

Thank you. 

XXXX XXXX