23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a payment for my XXXX bill on XXXX/XXXX/2015, however, the bill had not posted to my account and the payment was applied to my principle. I found this out because the card issuer contacted me to collect a payment and to inform me my payment was due. I explained to them what had happened, I requested the payment be applied to my XXXX bill, and that the {$25.00} late fee be waived. The woman said that she would rectify my account by waiving the late fee and applying the {$60.00} payment to my XXXX bill. They waived the late fee ( I was sent a message via the online portal ) and failed to correct my account, in fact, I was now being charged {$140.00}, more than double my minimum payment. I called them back to fix it. The gentleman was kind and said that he would escalate my account to get fixed. He gave me a reference number and said that I should be contacted by someone within 2-3 business days. He explained that I should see my account corrected and that my next bill would be due in XXXX. A week later ( today, XXXX/XXXX/2015 ) I still had not been contacted so I logged on to check my account and I saw that it still remained the same. I called and spoke to a customer service rep. who had to transfer me to her supervisor. He was extremely rude and said that unless I paid the {$140.00} I would go into default. He had me in tears. I feel that the card issuer is penalizing me for making a payment too early. I had called to rectify this and because they did not do as they said, I am now being charged a minimum fee PLUS an escalated fee due to being late. The {$60.00} payment was intended for the XXXX billing and all I was requesting is to help have this applied correctly. They threatened me with reporting me a delinquent and are charging me a fee XXXX the escalated fee ) because of their error. I called XXXX last time this evening and spoke to XXXX different people to talk reasonably. I ended up talking to an escalated specialist, but she said that technically I missed and payment and that the {$85.00} fee would not be waived. I asked her to please explain why I was being punished when TJXRewards told me two weeks ago they 'd fix this error. She could n't answer my question and told me her advice was that I start making payments on the {$140.00} or I would go into default. 
I 've never been treated so poorly, especially being a long, loyal customer. I feel that I am being unlawfully charged this " escalation fee ''. I ended up getting off the phone and sobbing because I 've been fervently working on perfecting my credit score for 5 years now and because of this card issuer it is threatened.
Product: Money transfer, virtual currency, or money service

PNC has not allowed me to link my account with XXXX  money transfer in order to pay my remote virtual assistant for her completed work.
Product: Debt collection

I have a XXXX  account I disputed several accounts that it says I owe I asked for original contracts that I signed for the debt, They were then removed from XXXX report and XXXX report but they were never updated on XXXX. I noticed a few have been added back to the XXXX report with different dates and on the XXXX report they have all been added back with this years date on them. the finding says my address was verified. I never received the documents to show I owe these companies this money.
Product: Credit reporting

This is past the statute and should NOT be listed on my personal credit file Equifax XXXX XXXX XXXX # XXXX please remove
Product: Credit card or prepaid card

US Bank mailed me a ReliaCard for accessing unemployment benefits from the XXXX of Colorado. I have not filed for unemployment nor did I apply for this card. I called the phone number on the card ( XXXX ) to ask US Bank to close the account because it is based on a fraudulent application. 

It was impossible to access an operator through this phone number. US Bank would only proceed if I provided personal information including date of birth and social security number. I am not going to provide that information to a computer. 

I did fill out a US Bank fraud form but would have preferred to speak with someone as soon as I became aware of the problem. Scary situation, its a known problem with US Bank and they chose not to resolve it.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX, and i am personally composing this complaint to address unauthorized hard inquiries on my credit report. I was recently alerted about these inquiries that i did not approve. My credit score has dropped and this is hurting my credit profile. I have called TRANSUNION AND XXXX on this matter and they refuse to help me. I have a fair credit profile and this is damaging my credit image. I NEED HELP as the credit bureaus refuse to help me by placing me on hold and " accidentally '' hanging up phone. I am trying my best to have a stellar credit score. PLEASE HELP
Product: Credit card or prepaid card

syncb/ppc Showed up on my credit report as a delinquent account. 

I called their ( synchrony bank ) fraud department trying to figure out what it was, they mentioned it was opened with a XXXX  email account and mentioned several purchases that were unknown to me. We both agreed that was not my account. Then months later i get a letter saying they denied my fraud claim because someone ( not me ) made payments on the account at some point and somehow i benefited from the fraudulent purchases? 

After i got this letter i called immediately and was told to ignore that letter.. 

60 days later the fraudulent account shows back on my credit report. 

I called immediately and they re-opened the case without giving me any other details other than the account was owned by XXXX XXXX  ( never heard of them ) and they have received tons of calls about the same issue. 

I filed a dispute with expiran credit agency and may open a police report soon. This is identity theft and blatant fraud by the bank pinning this account to my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple discrepancies with the account from XXXX XXXX XXXX XXXX XXXX : 1. It is reported by both the original creditor, as well as the debt collection agency XXXX XXXX  ) 2. There is a balance discrepancy. Debt collection agency is showing a balance of {$50.00}, while original creditor is showing {$210.00}.

3. The date opened has a discrepancy as well. On the debt collection agency 's report, it is showing a date of XX/XX/2022 for XXXX, but a date of XX/XX/2022 for Equifax.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXXXXXX
Product: Debt collection

A request for verification was sent to NCB Management Service onXX/XX/XXXXwhich was received on XX/XX/XXXX Although there was proof that my request had been received, 30 days have passed and I have yet to receive a response. I also contacted NCB Management Service via  telephone at XXXX XXXX and spoke with NCB rep at which time I was told that no one could tell me why I had not received any of the documentation that was requested although they do show in their system that the request was received on the date stated above. On the XX/XX/XXXX day, I informed NCB Management Service via telephone that they were in violation of the Fair Credit Reporting Act by not providing me with verification or documentation verifying the account. Therefore, I requested that they stop negatively reporting to all three credit bureaus AND remove the account from each of my credit files. Per the norm, I received no response to my request.
Product: Debt or credit management

I am submitting this formal complaint regarding XXXX XXXX XXXX in XXXX XXXX. I was unexpectedly charged for medical assistance despite having valid insurance coverage. To make matters worse, the hospital reported this charge to a credit bureau, negatively affecting my credit score. 

The incident occurred when I was admitted to XXXX XXXX XXXX in an unconscious state. As I was incapacitated and unable to consent, I was charged without my authorization, and no interpreter was provided during my care, which violates basic patient rights. I later discovered that these charges were inappropriately billed directly to me instead of my insurance. 

I have attempted to resolve this matter by disputing the charges with the hospital and the credit bureau. However, my dispute was denied, and the account remains on my credit report. I have made multiple attempts to contact the hospital to address this error, but they have been unresponsive and unwilling to rectify their actions. 

XXXX XXXX Hospitals actions have not only placed an unfair financial burden on me but have also caused undue stress. Their failure to handle this situation appropriately and their disregard for my insurance coverage constitutes a serious violation. 

I request your assistance in investigating this matter and holding XXXX XXXX XXXX accountable for improper billing practices. I would like this debt removed from my credit report and a review of their billing procedures.
Product: Mortgage

My loan was purchased by Freedom Mortgage in XX/XX/XXXX. Our home owners insurance was paid for by us through XX/XX/XXXX. Currently- Freedom Mortgage is trying to illegally make us escrow our Home Owners Insurance although we have specifically told them that we pay it on our own. They have not changed their billing and are still trying to illegally make us escrow our Home Owners insurance even though they have no legal right.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Checking or savings account

On XX/XX/year> Someone stole my debit card from an atm location and proceeded to steal {$2500.00} out of my account. Wells Fargo temporarily credidted my account with {$2500.00}. Then they sent me a letter saying on XX/XX/year> they will take the money back out of my account because their investigation showed i was at fault. Even though I told them exactly where and when to look on their atm cameras and they can see the man take my card and also check the cameras at the other cities atm where the money was taken and they can see it is not me. I also sent them a police report i made the day the money was stolen. they said there is nothing they can do about it and wells fargo took the {$2500.00} out of my account. I DID NOT STEAL THAT MONEY.
Product: Credit reporting or other personal consumer reports

I paid my Wells Fargo Visa card balance of {$7700.00} with a check made out XXXX Wells Fargo Card and sent to their XXXX, AZ payment processing center. Approximately a week later the check was cashed and cleared my account. The next month my card statement listed the accounts delinquent with no payment applied. I took a copy of the caged check to my local Wells Fargo branch where they told me the check was signed over to another party and cashed and they would start an investigation. Three months later they contacted me and asked me to file a police report on the incident which I did at the XXXX Police Dept. report # XXXX. The bank the check was written on XXXX XXXX XXXX after 4 months refunded the {$7700.00} to my account and I paid the Wells Fargo balance. 
Wells Fargo never replied as to the outcome of their investigation and I closed the Wells Fargo credit card account. Now I find that Wells Fargo listed the account as delinquent during their entire investigation period even though the branch manager told me not to pay until my bank refunded my money. Wells Fargo 's action caused a XXXX point drop in my credit score preventing me from purchasing a vehicle at a promotional finance rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

The USC 1681 Section 602 states I have a right to privacy.

The USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

The USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect information on my report. It has been well over 30 days & I haven't received my investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. ( 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Company responded XXXX XXXX responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response Due to this dispute, we have removed this account from the consumer 's credit report. The account is still open in our office. The consumer is free to contact our office to discuss what they believe is incorrect about this balance/account. 

Feedback provided STATUS Feedback provided on XX/XX/2023 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS This is still reporting on my credit report under COLLECTION ASSOCIATES LT I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This is still appearing on credit report. Please delete from credit profile THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Did not delete from credit report What happens now? 


Company agreed to delete still showing on my credit report has been over 14 days Still reporting on XXXX under COLLECTION ASSOCIATES LT Last reported XXXX XXXX, XXXX  XXXX COLLECTION ASSOCIATE Last reported XXXX XXXX, XXXX  XXXX COLLECTION ASSOCIATE Last reported XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

This concerns Binance.US. On XX/XX/21, I mistakenly sent the incorrect cryptocurrency to my Binance wallet. The currency in question now has a market value of over {$40000.00}. This represents a large portion of my investment portfolio. Since, the cryptocurrency I sent is unlisted, they now refuse to reverse the transaction. In effect, they have access to the asset, but for technical reasons refuse to send it back. If a bank accidentally put money into my account and I refused to give it back, Id be charged with theft. Many consumers have complained about the inability to recoup unsupported assets that they have mistakenly sent over. This is a big issue with both Binance and XXXX. The fact that a company can refuse to turn back over property mistakenly sent should be considered a crime. People are going to make mistakes. They shouldnt lose their livelihood because a company refuses to turnover the individuals OWN property. I understand a fee being charged for the reversal, but refusing to do so at all is unacceptable. I am simply asking the individuals at Binance to return the incorrectly sent asset and allow me the dignity of being able to take care of my family. I have attached the XXXX to show the transaction from my account to the Binance Wallet. Again, this happens to so many consumers and we have no way of fighting back as these companies dont seem to have an rules that stops them from completely running us over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to account reporting as : XXXX XXXX XXXX or XXXX ( account XXXX XXXXXXXX )
Product: Debt collection

Prince Parker has attempted to contact me numerous times and each time I have informed them that they are unable to verify a person 's identity over the phone especially in today 's age of ID Theft and Data Breaches and I have asked them each and every time over the last several months to cease and desist from contacting me. Especially due to the ID Theft and Data Breach issues there is no way I am going to give out my information over the phone in any attempt to play their verification game as it could be a clear phishing scheme. I have also informed them that if I am the person, they are attempting to collect a debt from that they need to send me everything in writing via USPS Certified Mail Requiring a Signature. Despite this they insist on continuing to call me. Today, XX/XX/year> one employee gave me the excuse that it supposedly takes them several months to process any request to cease and desist or even a request to dispute a debt. This is absolutely unacceptable and just them attempting to protect themselves from legal action. I did record some of my interactions with the company today including my demands for them to provide me with their address and the agent claiming that she didn't know or have it. When I demanded her supervisor, she insisted that her supervisor was in a meeting and insisted on me calling " Customer Service '' which I am fully aware is whom I was speaking with as I know that their fake numbers that they use are routing all calls to their customer support center and that's who is picking up calls. I am not as stupid as they think I am and not one to fall for their scams. I have even attempted to tell them to dispute the debt if they think I am the person they are trying to reach and again nothing is being done by the company and they continue to insist on calling me further leading me to believe that they are engaging in a phishing scam. Any law-abiding debt collection company would have already honored my requests to cease and desist from contacting me via phone and they would have honored my request to send me everything in writing or to even dispute the claim upon my requests if they believe that I am the person they are supposed to be collecting the debt from.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion who is a third party agency willing and knowingly violated Fair Credit Reporting Act ( FCRA ) 15 USC 1681 a ( 2 ) as defined below in section ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX. I SPOKE TO A REPRENTATIVE OF TRANSUNION ON XXXX NAMED XXXX EMPLOYEE ID # XXXX. HE TOLD ME SPECIFICALLY THAT HE REFUSED AND WILL NOT DELETE THE INACCURATE INFORMATION ON MY CONSUMER CREDIT PROFILE I TOLD HIM THAT YOU ARE ADMITTING TO VIOLATING A THE FEDERAL LAW 15 USC 1681 A2 2. ) I NEVER GAVE TransUnion WRITTEN CONSENT TO FURNISH THE INFORMATION LISTED FOR ME ON THEIR COMPANY INFORMATION 3 ) ALSO, TRANSUNION ALSO violated FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ) 15 USC 1692 g.Only a consumer which is me XXXX XXXX can validate a debt and no other person
Product: Debt collection

We have been asking national credit systems for multiple years to send us verification of the charges that they are trying to collect. They always say they have the information and will mail it to us. It never comes so a few months later they call again. We have asked them to email or send the information certified mail to make sure we get it. They have told us that their company does not do that. I have disputed this account multiple times to get it off of my credit report and they will not remove it because National Credit Systems keeps reporting it as a delinquent account.