23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The  XXXX   XXXX   XXXX  sent a credit balance of {$1700.00} to my closed Chase credit card on  XXXX   XXXX ,  2017 . I have yet to receive the money. Chase claims to have sent me a check on  XXXX   XXXX ,  2017  which I never received. I called at leas t four time s between  XXXX   XXXX ,  2017  and  XXXX   XXXX ,  2017  asking about the credit balance I was due. I have the id numbers of the individuals I spoke with. No one informed me until  XXXX   XXXX ,  2017  that a check had even been sent. I informed them again that I had not received a check and was told they would stop payment on the lost check. Today I called and found that they did not put a stop payment on the check until  XXXX   XXXX ,  2017 . Today  XXXX   XXXX ,  2017  they are telling me I will now wait anothe r two weeks for a new check and maybe even another 30 to 60 days for the process to start again. In the days of electronic transmission how can this ineptness occur? My contention is that they never should have accepted a credit to a closed account. Secondly when I found this had happened I should not have had to wait 30 to 60 days to have the money returned to me. Once they started the process I should have been n otified that a check was sent. Finally once I started asking about the credit I should have been told a check was sent. I was not thus further delaying the time frame to stop payment on a lost check. Unfortunately just another example of how the big banks take advantage of the consumer. Now I wonder if I will ever receive this credit. Would appreciate some help in this matter.
Product: Credit reporting

Experian refuses to investigate disputes on ALL tradelines in my credit report with them. A prior investigation was completed, but was not to my satisfaction. I requested re-investigation and to provide the manner in which investigation was done, as well as the information received that was used to verify. Neither request was honored. I have proof and documentation that the information being reported is incorrect, but I refuse to furnish it to a credit reporting agency to used against me. In addition, they refuse to provide me with any additional access to my credit report, even after adverse action less than 30 days prior. This is all in direct violation of many FCRA, Texas Finance Code, and Texas Business and Commerce Code statutes. An attorney on retainer has been given all documentation and correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called XXXX and Experion. I spoke with rude customer service agents after I was on hold for hours. The customer service agents denied me the right to dispute items on my credit report even though the items are incorrect. XXXX and Experion refused to let me dispute false information on my credit report. They act like they are working with the companies against my best interests. XXXX/Experion 's debt verification process is flawed and outdated.
Product: Money transfer, virtual currency, or money service

I paid a loan with cashapp for XXXX the minute that I paid the loan I was charged XXXX witch was the amount due at the same exact time I was charged an additional XXXX for no reason i called the customer service number and was told that the loan department only contacts customers from email and it can take up to XXXX days. I received an very confusing email that has nothing to due with my problem and asked to be called its has been over XXXX weeks and as I much as i tried no one there has helped me or contacted me I have called and emailed and nothing has been done at this point cashapp is not working in good faith to resolve an issue that clearly was made by them
Product: Vehicle loan or lease

Honda Financial Services refuses to send me a notarized lein release letter for Form 4809 filled out so that I can get Honda Financial Services off my Car Title. Honda Financial Services claims that I owe about {$21000.00} +/-. I told Honda Financial Services that the accounting was wrong as the car was discharged under Public Law XXXX  XXXX XXXX Stat XXXX and that they were in violation of the Reversal Charge back Law as well as Consumer laws as well as the Arbitration Disclosure in the contract. A search of the UCC also reveals the Honda Financial Services does not have a commercial lein on my vehicle. Honda Financial Services send me a letter saying that my account was paid in full as well as my promissory note stamped Paid in Full. Despite letting them know this they still refuse to send me my lein release! 
XXXX Account # XXXX vin # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2021 and XX/XX/2021 I was rate shopping for rates with mortgage companies. 
I contacted several companies, because I knew that though these would be considered hard inquires it would only be counted as one inquiry because they were all for one specific type of loan. However, all three credit reporting agencies are reporting 4 separate hard inquires which has greatly impacted my credit score by approximately 44 points! When I contacted them I was told that they can not remove these inquiries. So it seems that when rate shopping a consumer has no protection whatsoever and these inquiries will impact your credit just the same ... ... PLEASE help me, this is really unfair.
Product: Debt collection

I believed this is from a fraudulent medical bill. For the past 10 years I have had my medical covered 100 % by the VA. I have twice spent 5 days in the XXXX, XXXX XXXX received treatment from assorted Doctors outside of VA, and don't get a bill. At some point I started receiving notices about attempts to collect from some place called XXXX. I refuted these through XXXX XXXX and at some point they were removed. Now it appears a different company is trying to collect for what I don't know and I keep asking them to remove it. I ask that if the specific detailed reason can't be given that this be removed from my credit reports for good. With no information regarding it, and no one has indicated what it specifically was for, it really screams that it's a bogus bill scam.
Product: Debt collection

My information was sold to a 3rd party without my permission. I did n't sign anything for my information to be released to this comp [ any. This has impacted my credit score bad.
Product: Money transfer, virtual currency, or money service

My account was hacked from coinbase 's end, and they were able to get into all of my information, including my emails. Drain my bank of {$18000.00} and purchase etherium. Every confirmation email was deleted before my eyes!! I would open it, and it would vanish. They tried to send it to another account, but I was able to lock it before they could. I was also successful in stopping the payment from my bank so I wouldn't be out that money and unable to pay my mortgage. I had taken the extra security steps THEY recommended, and it wasn't enough. 

They allowed the cryptocurrency the hackers purchased to be sent to another account before the money it even left my bank account and the purchase was finalized and now they are claiming they need to get the money back from me. They have my account locked, and I can not get in to see what's going on. 

Also the cryptocurrency that I DID buy was just unaccounted for. It shows the transaction from when I purchased it, but my wallet for that currency is empty. 

I looked into this and it looks like they were breached by XXXX, this happened to MULTIPLE people on the exact date ( XX/XX/XXXX ) and they did the same thing to them. They did a major update afterwards and several people are STILL locked out. Even accounts with third party authentication security were hacked. 

They sent me an email claiming no responsibility ... and then sent another saying they would look into it, and are now completely unresponsive. They have just left me locked out of my account with no information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit dispute letter was sent off and Transunion stated that they would not investigate because it seem as if it was from a credit reporting agency, but even if I did go through a credit reporting agency that still does not mean to not investigate. I did send off the letter and documents myself as well as provided documentation. The letter was sent XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Major Credit Bureaus are reporting information on me that is not accurate and should not be reporting on my report. 

I do NOT owe any thing to this creditor, and each time I dispute this with the creditor they never respond and the credit bureaus lie by stating that they have verified this and it is accurate. But they are lying because if they truly investigated this they would see that I am not responsible for this and this should not be on my report. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1000.00} This XXXX account is fraudulent! 

XXXX XXXX Reported : XXXX. XXXX, XXXX {$1600.00}
Product: Credit reporting or other personal consumer reports

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law. 

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX  Date XXXXXXXX  Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX Account Name XXXX XXXX Date XXXX Account Number XXXX XXXX for dispute IDENTITY THEFT_________________ Account Amount XXXX
Product: Credit reporting or other personal consumer reports

Incorrect Personal information and inaccuracies of inquiries Each Inquiries needs to be Removed and Incorrect personal address needs to be corrected.
Product: Credit card

I disputed a charge of {$1700.00} processed on XX/XX/year>. The treatment was not effective. The company is in violation of New York State law, which requires all aestheticians to certify directly with the manufacturers of the machinery being used on clients regardless of aesthetician licensing. During the dispute process, Capital One accepted only an aesthetician license as evidence from the company I paid and allowed them to keep {$1700.00} of my money without the documents needed to justify the purchase. I submitted evidence to the dispute department at Capital One, regarding the New York State law being violated by XXXX XXXX XXXX Capital One knowingly, allowed an unlawful and illegal business, to steal my money, and proceeded to deny my dispute.
Product: Credit reporting, credit repair services, 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 USC 1681. 
XXXX XXXX XXXX XXXX  ( Original Creditor : 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 instruction.
Product: Checking or savings account

On XX/XX/XXXX, someone called me from an ( XXXX ) number around XXXX XXXX. They said they were a Wells Fargo representative and mentioned that there seems to be unusual activity on your account. As they were talking about this, I checked my account and did notice there was a charge of {$9.00} in XXXX, CA at XXXX and a {$100.00} ATM WellsFargo charge in XXXX XXXX, CA ( both of which I did not make ). I live in XXXX California, was at my home in XXXX XXXX, CA at the time, and was not visiting those areas. I let the " Wells Fargo '' representative know, you're right there are charges that " I did not make. '' Then the Wells Fargo representative preceded to say, " okay we need to send you a new card and change your pin, but we need your old pin to do so. '' Given that I believed this was a Wells Fargo representative, I gave them my old pin and they stated they were going to send me a new card. The next day around XXXXXXXX XXXX on XX/XX/XXXX, I saw numerous charges on my account. {$2000.00} were from Wells Fargo ATM withdrawls, and there was a {$2.00} charge from XXXX XXXX, and {$2.00} charge from XXXX XXXX ( all charges were in XXXX XXXX ). There was also a {$2400.00} transfer from my credit card to my debit account that this person attempted to collect but got denied. I called Wells Fargo and they explained that there's no record of them speaking to me about this, nor did they send me a new card, which means the person who called me the night before was a scammer. I filed a claim with Wells Fargo on XX/XX/XXXX, and called to follow up in 10 days. Wells Fargo told me my claim was denied because I willingly gave out my pin. The credit card transfer of {$2400.00}, however was transferred back. The XXXX charge at XXXX and the {$100.00} withdraw were funded to me since the scammer somehow already had my information to make these charges prior to me giving out my pin. I have lost a total of {$2000.00} but did not get it refunded to me because I unknowingly gave out my pin to someone pretending to be from Wells Fargo. How did this person have my phone number and account information in the first place? My information was already comprised to begin with given that the scammer knew about the XXXX charge and {$100.00} withdraw in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

There are several inquiries that I require proof of a permissible purpose. 
PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 

DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law, these Fraudulent Inquiries must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Federal Trade Commission. I also called Experian to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires.
Product: Payday loan, title loan, or personal loan

I have paid the loan this loan. This was about a {$3000.00} loan. I have paid over {$6000.00} back with interests. I thought that this was over until I applied for a mortgage and it showed up that this account was in collection. A few days ago a recieved a settlement letter stated that they would settle the account for an additional {$1700.00}. That is robbery!
Product: Credit reporting

I purchased a lawnmower from XXXX in XXXX AlabamaAlso a air conditioner The lawnmower broke down three weeks after Ipurchased it returned it to be repaired never seen it again called severaltimes they finally brought me the wrong mower I refused it was not theone I purchased it was used and older The air conditioner I gave back to theretheir collections manager or whoever that guy is that beats down doorshe refused to give me a receipt that he took it also he broke my screenby forcing it when it was locked to put a note in my door They have puta charge off on my credit {$1100.00} and that is false they never could findmy lawnmower and they refused to tell me what they resold the airconditioner for all I could possibly owe them is the remainder of the airconditioner minus what it sold for I want them to take this off my creditas it is fraudulent reporting their credit manager XXXX needs to beterminated as she is trying to scam people like me.I have wrote thecompany XXXX times no response they filed a law suit 2 years ago forXXXX and never followed up on it because I will so countersue so manydifferent amounts none coenside with another
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXXXXXX Balance : {$1400.00}, XXXX XXXX Balance XXXX {$0.00}
Product: Mortgage

In XX/XX/2022, we requested a Covid forbearance of one month from XXXX XXXX. We were told in XX/XX/2022 that we had XXXX months of grace to wait on not make a payment. In XX/XX/2022 we were sent a modification to be notarized and returned. It was returned on XX/XX/2022. At this time the loan was sold to XXXX and we were placed in a holding pattern of waiting for paperwork. The loan modification was to begin on XX/XX/2022. At the end of XXXX, we called for a corrected statement, and they refused to accept a payment or give a correct modified payment amount. There were multiple phone calls to make request a corrected statement and make payments, with no progress. We have obtained an attorney and requested assistance from the VA through XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly.

XXXX  XXXX  XXXX**** Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00} ; XXXX  XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00}.
Product: Payday loan, title loan, or personal loan

RE: SPEEDY CASH CARD  #XXXXI WAS GIVEN A $XXXX CREDIT LINE. I AM XXXX AND NEED VERY EXPENSIVE MEDICATIONS. I WAS BROKE BUT NEEDED $XXXX   TO BUY MY MEDICINE. I APPLIED FOR A $XXXX LOAN BUT THEIR SOFT WARE FLIPPED THE LOAN TO A $XXXX.LOAN. I HAVE HAD TO EXTENDED AND THEY TOOK XXXX  DOLLARS OUT OF MY ACCOUNT. I HAVE A LOW VISION PROBLEM. IT CAUSED ANOTHER OVER DRAFT RESULTING IN ANOTHER $XXXX   PENALTY. I AM AT THE END OF MY ROPE.CAN YOU PLEASE HELP ME.XXXX XXXX
Product: Debt collection

I requested a copy of the original signature from the application be sent to my home address. I am requesting proof that Portfolio recovery allowed to practice debt collections in the State of Florida. This account has been be reported negatively for over seven years. I request on several occasions the reporting history from the opening of this account be sent since 2016. If Portfolio recovery had the complete file it would show the original Date of the application., Reassignment to collections does not restart the seven year window. Please send a complete file that shows each purchase each month to compute the amount claimed owed.
Product: Debt collection

on or aboutXX/XX/XXXX phoenix financial services called me trying to say i owe them {$790.00} for a medical bill from 5 years ago when i tried to explain to them i had never been to the hospital in XX/XX/XXXX like they claim i was cursed at and told bye the man on the phone " '' '' im not hear to argue with your XXXX XXXX XXXX   either you give us the money or i will XXXX XXXX XXXX XXXX up your credit so your telling me your not going to XXXX XXXX XXXX pay us " '' '' ... 
my son who is now XXXX and has the same name was the one who went to the hospital and he had full XXXX which paid that bill in full and now 5 years later do to someones stupidity at the hospital making a clerical error and getting us confused with one another being there are 5 of us with the same name in my family they put a collection on me ... .why wait 5 years till 1 week after my son turned XXXX to pull this XXXX ... it is fraud i have tried to resolve this issue with them and no one will listen they just curse and threaten a XXXX man ... .and i have no idea who or where XXXX XXXX  XXXX XXXX is or why my son was there as i did not have custody of him his mother did ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Todays Date : XX/XX/XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

UNAUTHORIZED CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX