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

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX took XXXXXXXX XXXX from my usbank account. Then they proceeded to take {$3000.00} and then another {$3000.00}. I immediately contacted usbank and started a fraud case. I froze my accounts. I opened a new account. I have recieved multiple calls and emails from someone pretending to be US bank. I have updated us bank each time I recieve this. I recieved a letter stating I was denied for my case because XXXX XXXX said I gave them permission to take this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a error on my Equifax credit report. This account is reporting because my information was stolen. I am stating I had nothing to do with this and if they verified my information on file that is because someone stole it and used it without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a XXXX XXXX account for a medical procedure, and was approved. On XX/XX/XXXX, I was completed the approval process for the procedure only to find out in the same day that my XXXX XXXX account was frozen pending a fraud investigation. I contacted the credit bureaus and was directed to TransUnion as the agency originating the problems. On XX/XX/XXXX, I contacted TransUnion, spoke with XXXX. She claimed that TransUnion received a dispute via mail on XX/XX/XXXX and without contacting me or notifying me, reported the account as fraud on the same day, resulting in it being closed/frozen. XXXX refused to allow me to stay with a supervisor or details regarding the dispute, such as who filed it or what it included. 

The credit reporting agencies should be required to provide documentation of disputed accounts, including copies of the original dispute. Before a dispute is finalized, the consumer should also be notified. 

Even worse, the credit report and information was sent to XXXX and sent back to the company ( aka XXXX XXXX ) started that it 's a " consumer dispute '' even though I never initiated the dispute. XXXX did not contact me regarding the dispute either. This should be illegal, claiming I filled a dispute when I did not.
Product: Credit card

On XXXX XXXX, 2016 I made a payment of {$2400.00} to Bank of America for my AAA Visa card not realizing that I was signed up for auto pay, so on XXXX XXXX, 2016 the auto payment of {$2400.00} was posted again. I received a statement from Bank of America showing that I had a credit of {$1300.00} ( copy enclosed ). ( in the mean time AAA switch banks and as of XXXX XXXX, no longer have a credit card with Bank of America ) so I called Bank of America on XXXX XXXX, and asked that the credit amount be transferred back to my bank account, I was told that it would take 3 to 5 days for it to post. On XXXX XXXX, I received a letter from Bank of America dated XXXX XXXX stating that as I requested they had transferred {$1300.00} back into my account. 
On XXXX XXXX, I checked my bank account I the transfer had not posted, I then called Bank of America and told them, the person that answer the phone told me that sometime those transfer take up to 10 days. I called back later to ask why would a electronic transfer made on the XXXX, take 10 day to post. This time I Talked to a rep named XXXX after I explained my problem she said the only thing she could do was to file a complain ( no:XXXX ) she gave me a phone number and told me to call the next day to see what they had found. On XXXX XXXX after checking by bank account and finding that the refund had not yet posted I called Bank of America again this time I talked to XXXX who after going thru the whole story again talked to her supervisor who told her that the problem was that as of XXXX XXXX they had no access to my account and that I should call the new bank because they now have my information, this puzzled me but I went ahead and called the new bank ( XXXX I do n't have any other info on the new bank because I have not yet received an statement from them ) they told me that they do not have any info on my account as of XXXX XXXX. Still puzzled as to why the new bank would have anything to do with my overpayment that was made to Bank of America I called back this time I talked to a rep named XXXX, she told me that I had to wait 30 days for the refund to post on my account she did not say anything about not being able to access my account, I questioned why a wire transfer would take 30 days and all she could say that that was the way it was. 
I have spent hours on the phone trying to find a solution and all I get I the run around every time I talk to someone I get a different story, I am filing this complaint because I do n't know what else to do, and I need to get my money back.
Product: Checking or savings account

Hello on XX/XX/24 I sold my XXXX XXXX for {$9500.00} private. I went to go deposit the cash into the ATM, when I deposited the funds into the ATM it only credited my account {$8500.00}, which was short {$1000.00}, I immediately called Chase Bank and advised on the short deposit. They credited me the {$1000.00}, but after the claim was processed the reversed the credit, and now I am at loss of {$1000.00}. They asked me to provide documentation for proof of the funds but I only received cash, and only have a bill of sale I can provide for proof of the sale/ transaction. this is creating a financial hardship as I need to replace my air conditioner, and I called the bank right after this mistake with the ATM occurred.to resolve my complaint I would like to be credited {$1000.00} due to the error of the ATM not crediting me the full {$9500.00}. Claim # - XXXX XXXX XXXX XXXX account- Chase Bank XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I reviewed my credit report and noticed that I had a late payment on an account that I was never late for listed below. 
XXXX XXXX XXXX XXXX. 
I have sent Transunion numerous documents stating that an account was settled in full listed above should have been removed. 
XXXX XXXX XXXX XXXX. 
XXXX- XXXX. 
These list of accounts have violated my Federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 15 USC 1681 Section 602 A states that I have a right to privacy. 15 USC 1681 section 604 A section 602 states a consumer reporting agency can not furnish an account without my written instructions. A consumer reporting agency have assumed the vital role of having the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late with XXXX XXXX XXXX. I asked Transunion to provide me proof with statements showing these late payments were late. I have not been provided with proof during and after the investigation process. Without proof by the FCRA law, the disputed accounts SHALL be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My   XXXX   credit bureau was pulled by  Continental Fin  Co on both   XXXX   and   XXXX  . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Product: Mortgage

I have attempted modification request with my mortgage lender Wells Fargo ( WF ), recently and was declined for unjust reasons which will be outlined within. Im filing a complaint due to a decline letter dated XX/XX/XXXX, that was received from XXXX XXXX, which represents WF. 
WF, has flagrantly declined any options for my family to retain ownership of our primary residence which was acquired utilizing my Veterans Affairs ( VA ) benefits. According to the decline letter WF, has grossly misrepresented my monthly earnings in an attempt to not work with our family. We feel that this retaliation is also a result in part of a litigation matter that was brought against WF in XX/XX/XXXX. 
The income reflects two different amounts one amount is {$5600.00} and the second is for {$4500.00}. My actual income is just under {$6000.00}. I demand that there be another review in order for us to correctly identify my abilities to repay my loan. I implore your office to reopen a new review and allow us to provide the necessary documentation to reflect our true income as it stands.
Product: Vehicle loan or lease

I have a car financed through FLAGSHIP CREDIT ACCEPTANCE. I am being over charged for the vehicle. 23 %. I have made payments since XXXX of 2022 and it is not reflecting on my balance. My down payment doesnt reflect on the balance either. 
This company also refused to let me change my payment due date, because it cant be changed but every 6 months. I know when i can pay my bills and that is when i need my due date. I have changed my due date in XXXX because when the contract was done i requested to have my due date on the XXXX of the month and they said ok. they didnt set my date for the XXXX they set it for the XXXX. 
They are hiding fees and interest, I will never get the car paid off at this point. They are not willing to work with you on any issue you have, or willing to cooperate.
Product: Debt collection

According to FCRA Section 605B it illegal to report without my permisson. Therefore I asked them to remove off my credit report. As U.S. Laws 15 U.S. Code Ss 1692 ( g ) and 1692 ( c )
Product: Debt collection

This company is attempting to collect a debt from me in the amount of {$2300.00}. I have contacted the company and requested verification that this debt was mine and they didnt provide it. I have not attended that school and have no knowledge of anything concerning this debt other than what it shown on my credit report. I have contacted the school and was unable to find out information due to not having account access to the account that was made. 
My social security number along with information was compromised and I have verified this with all credit bureaus and police department.
Product: Credit reporting or other personal consumer reports

I requested the removal of the inaccurately reported accounts from my credit report on XX/XX/year>. The accounts are Credit Collection Servic # # XXXX and # XXXX. I have also requested this company to provide proof of debt, and was told she was not able to provide to me. This company has been harassing me with phone calls, emails and even text messages. I do not owe this debt and need harassment to stop immediately and these collection accounts removed from my credit report or provide me with a copy of all of the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt. Provide the original signed contract or agreement between myself and the original creditor that created the debt. 
XXXX ) The bill of sale or assignment between the original creditor and your company. 
XXXX ) The agreement that grants you authority to collect on this alleged debt. 
XXXX ) Proof of permissible purpose for your company to report on my credit file. 
XXXX ) A copy of your state license, including license number.
Product: Debt collection

My monthly payment increased from {$310.00} to {$320.00} ( I'm not able to pay unnecessary increases in mortgage payment ) due to my fixed income, Social Security. 
My original agreement with Wells Fargo they would refund my overpayment at the end of the year, but, XXXX XXXX XXXX XXXX keeps the overpayment. I have spoken to them by phone twice and they said they would reduce my mortgage if I pay them {$100.00} On Thursday XX/XX/2023, I spoke to XXXX and I paid {$50.00} of the {$100.00} which he said I owed {$56.00} left then my new payment would be {$310.00}. XX/XX/2023 XXXX I paid XXXX XXXX the phone {$58.00} at which time XXXX XXXX my new mortgage starting in XXXX would be XXXX confirmation # XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report with XXXX XXXX XXXX and discovered an inquiry from Synovus Bank that was done on XXXX XXXX. I have never applied for any credit or services from this Bank XXXX Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my XXXX credit history and any other agencies that they use.
Product: Credit card or prepaid card

Sychrony Bank send a credit card to an address that I lived at in XXXX from XX/XX/XXXX to XX/XX/XXXX in XX/XX/XXXX. The credit card was somehow activated and then {$5000.00} was spent at a XXXX area XXXX XXXX. During this time, I lived in XXXX MA. Not only did I not request, or approve this card, I physically could not have made those purchases. I called the company immediately because they contacted me suspecting fraud and they corrected the situation and closed the account. However 3 months later the bank denied by case and started charging me again. They will not resolve the case
Product: Credit reporting

there are XXXX debt that are not inmy name that are reporting on my credit. im trying to buy a home wiithin the next 30 days this should not be on my account in im reaching out for help to have it removed
Product: Money transfer, virtual currency, or money service

I have {$8500.00} in coinbase. Coinbase won't let me withdraw the funds to my bank account. From reviews on XXXX. A lot of people are going through the same thing. Filing this complaint because coinbase won't answer any phone calls or emails. I have tried repeatedly to get my money from coinbase. This is a scam and fraud to not allow users to withdraw there funds any moment from an exchange. I would like to get my money back immediately and also hope government stops this fraud scheme. This is illegal. You can not hold someones funds to force someone to use there platform. I hope the government files an investigation. This is destroying our economy and preventing investors to buy into actual companies and create more jobs.
Product: Credit reporting or other personal consumer reports

I don't want to have this on my credit XXXX -- XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX - Account number : XXXX Please provide the description of the procedure of the investigation used to verify this account. XXXX discontinued business with XXXX XXXX  and partnered with XXXX XXXX. I have called each company numerous times and all three companies ( XXXX ) ( XXXX XXXX  ) and ( XXXX XXXX ) all state that they can not locate the account. I have been trying to have this verified or removed off of my credit report immediately. 
Account Number Not Found in EITHER SYSTEM! 

I am writing to request a detailed description of the investigation process that was followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ) : Under Section 15 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute.

I received a letter from you stating that the account number XXXXwas verified. PLEASE PROVIDE PROOF of Verification Methods or remove from my Credit File. If Information is verified again, please provide Creditor Contact Information as this is unfair for my account to be lost in limbo due to the merger of XXXX and XXXX XXXX. PLEASE REMOVE IMMEDIATELY
Product: Credit card

I am filing this complaint regarding unauthorized charges on my debit card originating from XXXX XXXX and the inadequate resolution process by Chime Financial. The charges, totaling {$38.00}, occurred on the following dates : {$14.00} on XX/XX/XXXX {$2.00} on XX/XX/XXXX {$21.00} on XX/XX/XXXX These transactions were not authorized by me and do not appear on my XXXX XXXX  statement for XXXX. 

Upon noticing these unauthorized charges, I contacted Chime Financial and initiated a dispute on XX/XX/XXXX ( Dispute # XXXX ). Despite my timely action, I have faced significant delays and inadequate communication from Chime. Chime informed me that investigations take XXXX business days and set a resolution date as late as XX/XX/XXXX. 

XXXX. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq. : Unauthorized Transactions ( 1693f ) : Under EFTA, financial institutions must investigate unauthorized transactions promptly and credit disputed amounts to the consumer 's account if resolved in their favor. Chimes delay appears unreasonable and non-compliant with the 10-business-day investigation requirement under Regulation E. 

XXXX. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 : Chimes inadequate response and delay in crediting my account constitute unfair practices that caused substantial injury, including financial inconvenience and the need to seek external resolution. 
The repeated delays in resolving my dispute have caused significant distress and financial inconvenience. 
Chimes lack of transparency regarding the investigation process, and failure to promptly credit my account pending dispute resolution, further complicates the issue.
Product: Credit card or prepaid card

I enrolled for CareCredit-Synchrony in to use a XXXX/XXXX   XXXX listed with them as a reputable provider. I went expressively to see if my XXXX could be saved do to an XXXX XXXX. At first XXXX said no, then he said he could XXXX it. I said that if it had to be XXXX, please do so, because I did not want to come back in a year to have any issues. He assured me and affixed a XXXX XXXX. This was the first of what turned out to be {$14000.00} worth of oversell. Within 9 months the XXXX was XXXX. XXXX was convinced it could be saved after 3 additional visits to his office where his other XXXX said that it had to be XXXX. He sent me to an XXXX who said that the XXXX should have been XXXX from the onset, about a year before. I have contacted CC-Synchrony many many times. I tried to work it out with XXXX many many many time. I have written letters. Through this I received a statement from to CC-Synchrony that XXXX 's office sent and half the items that were charged were never done as well. I am waiting for the CA Dental Board to get back to me because XXXX had lost his license to practice for exactly the same reasons before. CC-Synchrony 's position is that I signed the credit card statement, so they are not responsible for anything. I alerted them time and time again and they are the ones who said to try to work it out with the provider. That fix is well exhausted. My position is that, if we look at this credit card, services were not provided as stated and which these statements were never given to me at the time anyway. CC-Synchrony allowed a known criminal to extort money from me and fed them the lines to say to keep it as well. They told me from the beginning that if the work was not done I did not have to pay as well as I should never have paid up from for XXXX until the steps were completed, I am not even halfway through with the treatment and someone named XXXX said I told her personally how great my XXXX  look and I was glad to be done with it? I now question any and all work by XXXX and want my money paid to date back. He even charged and was paid by my insurance provider to pull the XXXX, I still own it and until this is settled I will bear the pain.
Product: Credit reporting or other personal consumer reports

I called Experian to get my credit report on XX/XX/, and after receiving it, I noticed some hard inquiries do not have a permissible purpose according to 15 USC 1681b. I also attached my credit report and a letter showing that Experian is violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank XXXX XXXX XXXX XXXX show me late on credit report was not late it on XXXX XXXX XXXX the late need be remove thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr has indicted that I have no DL issued, but I do. The same DL Ive submitted when I applied for the background check and fill out their from. It is Temporary CA DL valid for XXXX days. Paper list.
Product: Credit reporting or other personal consumer reports

Under the FCRA Law 15 USC 1681G ( a ) Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 

I personally submitted a dispute to Transunion several times beginning in XX/XX/year>2023 to physically verify signed original contracts with my signature from all of the accounts that were being reported on my credit due to my information being impacted by the XXXX  data breach and never cooperated. They sent me 2 letters stating they would not be processing my request. I tried to pull my credit report through Annualreport.com as well as Transunion.com, and they put a code on my report to keep me from having access to my personal information as well as disputing. I even called in to Transunion to and tried to get access to my report as well as dispute inaccurate information that I can see on XXXX.
Product: Debt collection

I have a a unverified account from CREDIT MANAGEMENT LP XXXX. 
this account. I have never done business with CREDIT MANAGEMENT LP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CREDIT MANAGEMENT LP purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT LP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, Attached you will find information I have found to be inaccurate and needs to be deleted from my report immediately.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Company is reporting a collection that i had dealing with and XXXX is reporting it despite my disputing this account. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. Please help remove immediately, i served in XXXX XXXX XXXX XXXX XXXX the least ya can do is make sure my accounts are being messed with adversely. Thank you