23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not updated my credit report they are still reflecting a report from XX/XX/2020. In addition, ( original creditor ) the XXXX XXXX account that was fraudulently placed on my credit ; which Experian agreed to delete ( after investigation ) is still reflecting. 
Moreover an old fraudulent disputed that was deleted have reoccurred, from XXXX. Lastly, they continue to refuse removal of XXXX XXXX  Account which have been settled through a class action lawsuit. And is now currently back in litigation.
Product: Money transfer, virtual currency, or money service

in XXXX  I invested in some crypto currency on the coinbase.com website. I paid by a wire transfer of money from my checking account. In XXXX of this year, I sold at a significant loss. That was over 5 weeks ago. Their website does not work when I have tried repeatedly to with draw my money. They still have my same bank account on file.It took 3 weeks to get to speak to someone on the phone. I was on the phone with them for 3 hours and 14 minutes. They put me on hold approximately 20 times. They had me change web browsers, delete cookies, send them screenshots, install their app etc. before finally admitting the problem was on their end. They said they would send it to their engineers. That was a week ago, and I still can't withdraw my money.They say they can't send a paper check, which I think is a lie. I can't be the only person this has happened to. My guess is many people only have a small amount of money they want to withdraw, and they give up in frustration, and coinbase keeps the money.
Product: Checking or savings account

On XXXX XXXX my SSDI check was deposited into my Chime checking account. All of a sudden my phone started getting really hot and I couldn't even place a call. I got a text message that {$1200.00} was deposit onto my account. Then I got a text message saying {$1200.00} was transfered to an email address. I was like WHAT!! and immediately tried calling Chime I couldn't call my phone was locked then I got another message that {$300.00} was transfered to another email address, then another for {$250.00}. That was everything I had in my account {$1600.00}!! After all this happened and I calmed down I could call Chime. The lady that answered said it had to file a dispute and I said NO stop these payments the charges are pending. She said no I had to file a dispute and she transferred me. While I was on the phone with the dispute department the charges went through. I was livid!! So I filed their dispute and was told within 10 days I would hear from them. Two days later they denied my claim. I called them back and they said they would reopen it and they had 45 days for their decision. Meanwhile I called Social Security and told them and they stopped putting my money in my account and sent me paper checks. While I was waiting on their decision and going back and forth with them they closed all of my accounts. I tried calling them again and I can not talk to anyone anymore because when I call they say your accounts have been closed and hang up. I got emails from them denying my lclaims and closing my accounts. This is so messed up. I can not even get into my accounts anymore it's like they disappeared like thar one {$300.00}, I disputed. I just.vanished. I can't even talk to anyone and I have been scammed. After doing some research on this Chime they have done this to hundreds of people. Please help me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report 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: Checking or savings account

My wife 's XXXX XXXX account was hacked. Noticed that there was XXXX w/d from her XXXX XXXX that was linked to her debit card and ultimately our checking account. I reported the fraud to Bank of America immediately and my wife reported the fraud to XXXX XXXX right away -- same day. Both parties initiated a " dispute '' but months after, I get notification from both parties that they have denied our claim. We have no idea who the money went to, did not participate in the transaction, did not allow anyone access or use of the XXXX XXXX account and we did not benefit from the transaction. I tried re-opening the case with Bank of America and I was denied. I even provided all the screenshots that requested showing I was working with XXXX XXXX to resolve and listed on my fax to them that this was complete unauthorized fraud. Bank of America and XXXX XXXX still refuse to assist me. This has been going on for months. Bank of America reversed provisional credit on XX/XX/2021 and then closed the case again on XX/XX/2021. Both times they closed it for this reason, which is complete false. 

As you requested, we completed a re-evaluation of your claim. Our research included the information you provided with your claim, your account history and/or the monthly account statements we sent you. We made this decision because : **The charge was authorized by you or by someone who has permission to use the card or account. If we used documents to resolve your claim, we've included them with this letter. If you have additional information to support your claim, we request that you send it to us in the next 10 business days so we may reopen it. 

They will not allow you to reply. You have to call a 877 # that takes an eternity to reach someone. I did once and they asked me to fax proof and I did. Now, I can not reach them by phone as the hold times are so long. 

This dispute began back on XX/XX/2021. I reported the fraud the very day the transactions were trying to come through. We were very prompt and complied with all their requests to resolve. 

XXXX XXXX will not assist and say they are working with our bank. They are not. We attempted to dispute with them also and they do not have anyone you can call. You have to go back and forth for days via email. They are denying the claim without an accurate reason as well and will not assist. 

XXXX was stolen from me via XXXX XXXX in the amounts of ; XXXX, XXXX, XXXX, XXXX, XXXX I need help with this dispute on either company 's behalf.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was notified by Chase of a possible fraud charge on my Chase Freedom Unlimited credit card for {$300.00} at XXXX XXXX XXXX XXXX. When I checked my account, I found that charge as well multiple other charges that I had not made that day and the day before ( all are listed below ) : {$100.00} XXXX XXXX XXXX XXXX ( XX/XX/2020 ) {$120.00} XXXX XXXX XXXX XXXX ( XX/XX/2020 ) {$300.00} XXXX XXXX XXXX XXXX ( XX/XX/2020 ) {$1700.00} XXXX # XXXX ( XX/XX/2020 ) I called Chase and reported these charges as fraud. I told them that these charges were made in XXXX XXXX, Illinois while I was in XXXX, XXXX ( of which I have substantial proof ). Not to mention, I have never been to those stores in my life, let alone on that day. They removed the charges, cancelled my card, and sent me a new one. 

However, they then put all the charges back on my account. When I called to ask why, they said that they had determined that the charges had been made in-person with my chip card, and thus were valid charges. However, that is impossible I was never not in possession of my chip card and was in XXXX, XXXX at the time of the purchases ( as other in-person charges on the very same card on that very same day show ). 

I have now gone through three rounds of escalating investigations to no avail. They have told me there is nothing further I can do besides file a police report and attempt to gain access to XXXX XXXX and XXXX XXXX XXXX security footage, which seems unlikely, though I will try. 

Their latest excuse is that they send me two credit cards back in XXXX, and are claiming that one of them must be the card used to make these purchases, even if I had the other in my possession. However, this is also impossible. I have never been in possession of two cards. When I applied for this particular credit card in XXXX, it never arrived in the mail so I requested a replacement. So even if they did indeed send me two cards, the first one should have been cancelled when I told them it never came and asked for the replacement. So it would be unable to make purchases even under the unlikely circumstance that it was somehow found and used seven months later.
Product: Debt collection

XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Florida, XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Date : [ XX/XX/year> ] Subject : Formal Complaint Against [ Credit Collection Service ] {$370.00} Dear Sir/Madam, I am writing to file a formal complaint against [ Collection Agency Name ] for multiple violations of my consumer rights. Below are the specific issues : Failure to Provide Debt Validation : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector must provide validation information upon request. [ Collection Agency Name ] has not provided this validation information, yet they have placed a collection account on my consumer report.

Infringement of Dispute Rights : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to dispute the account. However, I have not been given an opportunity to dispute the account before it was reported to the credit bureaus.

False and Misleading Practices : [ Collection Agency Name ] is violating my rights by using false, misleading, and deceptive means to collect the alleged debt. They have failed to provide necessary disclosures and are in clear violation of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( A ).

Unauthorized Credit Inquiry : [ Collection Agency Name ] conducted a soft inquiry on my credit report without my permission. They have not provided any permissible purpose for this inquiry, which constitutes a violation of the Fair Credit Reporting Act.

In light of these violations, I am disputing any and all debts claimed by [ Collection Agency Name ]. I am also revoking all rights for them to communicate with me via email, text, or telephone.

I am requesting the following actions : Validation of Debt : Provide proof of debt validation, including the original creditors agreement and the purchase agreement between [ Collection Agency Name ] and the original creditor.

Licensing and Bonding Proof : Provide proof that [ Collection Agency Name ] is properly licensed and bonded as required by law.

Explanation for Credit Inquiry : Explain the purpose of the soft inquiry performed on my credit report and provide evidence of permissible purpose.

Given these violations, I also request that this collection account be removed from my consumer report.

I appreciate your prompt attention to this matter and look forward to your response detailing the resolution of these issues. Please let me know if additional information or documentation is required. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over XXXX  days and you are still reporting these items without permission and that is fraud.
Product: Debt collection

Portfoliorecov left a voicemail incriminating an arrest for someone I don't know. They repeatedly keep calling my phone number using different phone numbers listed here : 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 reporting, credit repair services, or other personal consumer reports

I've challenged the negative information reported by Select Portfolio Servicing. I've never signed a contract with Select Portfolio Servicing and I've never conducted business with this company. They are reporting a high balance of {$470000.00}. This is being reported in error and should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a loan with Suntrust mortgage. We ran into personal issues and I left my job as a Nurse to care for my mother. We called Suntrust they offered a XXXX modification. We started trial period XXXX, XXXX XXXX We payed everymonth on time. The XXXX payment was showing late. When I called suntrust they said the date was the date they were able to apply the full payment. The XXXX payment to the loan modification was also late payed by Suntrust. But the XXXX payment is showing on time. We had a full offer on our home and Suntrust gave us a payoff greater then the amount owed. We had to pay {$6000.00} more then owed. Suntrust said we never completed the XXXX Modification process. The loan modification process was started XX/XX/XXXX, We sold our home XX/XX/XXXX. We are now trying to purchase a new home. We are told we are still in a " partial Payment Process with Suntrust. When on XX/XX/XXXX, the loan was statisfied at a greater amount that was due. I tried to clear this with XXXX, XXXX and XXXX. This has been a nightmare. We are trying to get into a less expensive home. Suntrust refuses to update the credit report showing we are not in a partial payment program. THe loan modification is still showing on our credit report and we cant get new financing.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my concern regarding the reporting of transactions or experiences between myself and Capital One on my consumer report, which is a clear violation of the Fair Credit Reporting Act ( 15 USC 1681a ). Which clearly states that you can not report late payments to a third party data furnishing company that you do not own ( other than agents of the institution ). The Fair Credit Reporting Act ( 15 U.S. Code 6803 ) also states that you can not disclosure any non public information about me without my knowledge or expressed consent. 
According to Congress, CAPITAL ONE may also be in violation of 15 U.S. Code 2068, which clearly states that my consumer report can not be distributed in commerce if the manufacture knew or should have known of such voluntary corrective action. In addition the Fair Credit Reporting Act ( 15 U.S. Code 2069 ) states that aforementioned violation of 15 U.S. Code 2068 requires monetary relief not to exceed {>= $1,000,000}. 

I have identified the following issues : Late payments ( transactions or experiences ) being furnish on my consumer report. I believe these matters warrant resolution before resorting to arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would file a dispute and the dispute will open and close out on the same day. No real investigation is done and this has been done several times. 

I am a victim of identity theft and several information breaches including Equifax. Someone has been using my information to acquire things for personal gain.
Product: Debt collection

This company has failed to send out notices or contact me. I have reached out multiple times. I 've sent emails, which get sent back. This company has a credit card that was opened long ago. I 'm not even sure it should be on my credit at this point. This company is horrible and does n't communicate. They have no desire to help the situation. I 've contact them many times.
Product: Credit card

I went to use my card and vendor tryed to take card the card away several.times after Numberous time calling credit card company they assured me the card was good and i was in good standing somewhere along the line some untrained personal shut my card off. I even talked to supervisors numerous times trying to figure out why my card was not working assured me my card was good and i was in good standings every time that the card was good this has gone on for a month and half I finally got a hold of credit card company repersevive XXXX/XXXX/15 was discovered my my card was shut off for no reason i could see if i was late or some thing like that but I was in good standing the whole time
Product: Credit reporting or other personal consumer reports

Midland Credit Management Inc. is furnishing things on my credit report and violating the consumer laws. Midland Credit Management Ice is violating consumer law 15 USC 1681 B in which they can not furnish anything on my credit report without my written consent. I never gave Midland written consent to furnish anything on my consumer report. Also, I have requested validation of this alleged debt and the purchase agreement on XX/XX/year> and gave Midland Credit Management Inc 15 days to give the requested documents to me in which they never did.
Product: Debt collection

I am writing to remove two fraudulent tradelines on my credit file by DIVERSIFIED ADJ SVC. Furthermore, I am begging this consumer agency to enforce this by helping me remove a fraudulent and blemished collection account from my credit file. I have disputed the following data on my credit file more than a few times, which is fraudulent. I spoke to someone at, DIVERSIFIED ADJ SVC and the young lady said you people never pay your bills. You people? This is beyond XXXX. I have disputed these illegal debts several times and once I dispute the debt, the debt collector must stop all debt collection activities until they provide me with proof that I owe the debt, which I do not since it is fraudulent. DIVERSIFIED ADJ SVC, must provide me with that proof and never bother me again. Under the FDCPA, I have the right to dispute the debt and it has three separate components : 1-Right to notice of the debt 2- Right to contest the debt 3-Right to verify the debt Within 5 DAYS of first contacting the Consumer Financial Protection Bureau. DIVERSIFIED ADJ SVC, must send a letter telling me : the amount of the debt the name of the creditor information about what I can do if I think there has been a mistake, and proof. I can prove it is identity theft. The debt collector must stop all debt collection activities until it can verify the debt. Additionally, I have my original identity theft affidavit. The recurring patterns of complaints against DIVERSIFIED ADJ SVC, as reflected in the XXXX XXXX XXXX complaints, are as follows : Denial of Debt : The denial of liability for the debt assigned to DIVERSIFIED ADJ SVC, continues to be a consistent complaint across all customers. I do not owe this debt and have no contractual relationship with DIVERSIFIED ADJ SVC. Lack of Original Contract : Customers consistently complain that DIVERSIFIED ADJ SVC did not provide me with the original contract that I requested. This contract would confirm the claimed debt. Unfamiliarity with the Company : I am not familiar with XXXX XXXX XXXX or the original debtor. I have never been contacted. Inappropriate Reporting : A complaint suggests that DIVERSIFIED ADJ SVC, reporting of the debt to credit bureaus might be violating the Fair Credit Reporting Act. This indicates potential issues with their reporting practices. Claims of Identity Theft : This is identity theft. It points to potential issues with verifying my identity. Unsatisfactory Product/Service : These complaints fall under the complaint type " Problems with Product/Service '', which indicates a more general issue with the way DIVERSIFIED ADJ managed its debt collection process or communicated with its customers.
Product: Checking or savings account

The amount of {$6000.00} was fraudulently transferred out of my Bank of America XXXX  debit account between XX/XX/21 and XX/XX/21. Multiple fraud claims were made and lost by Bank of America. I even personally filed a police report. Over a year has gone by and no reimbursement for the stolen money has been made. Claim numbers XXXX and XXXX. 
I have now gotten an Attorney involved.
Product: Credit card

I have had XXXX contracts with Koalafi my payment history on each contract was excellent I made sure of it. If I was late it was never past 30 days. I went to a furniture store a few days ago and got approved for {$500.00} I was very confused because my XXXX previous contracts I paid in full no issues. 
I gave the clerk my debit card, drivers license and advised him of my new address. 

when we went to process the application it declined so I called Koalafi directly there was more than {$1000.00} in my account so I could not understand why my card declined for {$10.00}. I advised her I recently moved and there was no way my card was charged because I get alerts for all transactions and text messages for all charges made on my card. She advised me that I did not get approved I said that is not true I have a text message here with the approval. I asked her for the last XXXX digits of the card she attempted to charge and she told me XXXX. That is not the last XXXX digits of my card and I have no idea how it declined upon doing my own research they used an old bank that I no longer have. I had the bank at the time of my old contract when I explained it to her she said I have to wait and reapply in 30 days. I said despite my outstanding payment history she said the store employee entered in your information wrong and your card declined and she hung up when I asked for her manager. 

Koalafi is not honoring what they are advertising I had to do another credit inquiry for another company to get the merchandise I wanted. Now I have XXXX inquires on my credit from Koalafi and they did nothing to help me.