23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian has an impossible process to dispute inaccurate information. They wo n't let you dispute anything unless you buy a credit report. You do get the free annual report, but that report number expires and then you have to buy a report in order to place a dispute since you can ONLY dispute with Experian with a current report number, that they sell to you at a profit. After this, you are directed to go to Experian.com/upload to upload supporting documents, which never are able to be uploaded, limit of XXXX and black and white, and even when you follow the directions and try to upload the most simple of documents, you can not do it. So then they make you send by mail, which I am attaching the message they provide. They require to you provide excessive information, which then they will SELL or use to invade your privacy, requiring information that is NOT REQUIRED in order to process a dispute when you HAVE DOCS to PROVE a dispute. 
They want 1. a drivers license, 2. a social security card, 3. a utility bill. This information in totality is REQUIRED to send to them IN THE MAIL are they kidding??? Because when you are able to dispute online, you DO NOT have to provide this completely invasive information to them, but the online upload does n't work, since it 's too small or whatever the scam is, in order to REQUIRE you to provide TOO MUCH INFO especially not necessary, when remember, you already had to BUY the credit report. This is a phishing scam by Experian, a deceptive and abusive practice that they are doing. The only way we can now dispute ANYTHING is by providing information that they should n't have for a dispute process. We ARE entitled to a correct credit report, and we ARE entitiled to not to have to mail in a set of docs that are 1. not their business and 2. dangerous to put in any type of mail, XXXX, XXXX, etc, because the totality of those docs together are crazy. Even the credit reporting company should not be trusted to have those in their possession, especially for a dispute. Furthermore, XXXX and XXXX DO NOT play this deceptive game, they allow online disputes that actually work, and they do n't make you buy the report to do it, or provide all those docs that can get someone a passport, mortgage loan, government benefits, tax returns, you name it. This is illegal, and the response they give better not be policy and protection, because that 's you know what.
Product: Money transfer, virtual currency, or money service

The account was hacked and they XXXX out money for my account
Product: Checking or savings account

I am writing you regarding my chime account which was drained by my XXXX mother she took over XXXX from me just from one account which I also filed a dispute for the bank said they where investigating but denied my claim the same day as dispute filed I have given documents and proof of the accused she is now in XXXX for fraud please help me because the bank is just giving me the run around when money is supposed to be protected
Product: Checking or savings account

Personal account closed due to suspicions of illegal activity. Funds were taken & account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE, Opened XX/XX/2010. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ( ( ( ) ) ) has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

To Whom It May Concern, I thought it would be easier if I copied what I sent to Kohl 's Office of the CEO. I don't even know if I have the best contact to be honest, but I feel severely harassed by Kohl 's Credit Credit Card. If I need to get the phone records to verify I am willing to do that! 
I understand losing my job for 3 1 weeks is my problem, but I haven't slept in 9 days as I started 3rd shift. I'm clearly a little behind, and trying so hard to be honest and catch up!! I called last Thursday to make a payment and was told current and all set!! It is not even a week later. If Kohls needs to put me in tears for a XXXX and a XXXX late fee I refuse to pay, then shame on them! a I will never shop at Kohl 's ever again. I don't they care, but I want them addressed for harassment!! My phone number is XXXX. Thank You! 

XXXX XXXX XXXX Good Morning, My name is XXXX XXXX and my Kohls Charge is # XXXX XXXX XXXX XXXX. I just had a whole email I was going to send thru the message center, but this needs to be addressed a little bit more up the ladder I guess. I recently lost my job for about 3 1 weeks. I know you could probably care less ( clearly ), but was pretty horrific for myself! I'm back to work 9 days and my guess is your credit card customer service has left 5 voice mails, called ( ALL HOURS ) from multiple numbers. I couldn't even block them all, and to be honest, I gave up!! 
So now that I'm back to work trying to catch up I can't sleep because the calls come in all the time. I started 3rd shift too. Also, if you check your ( recorded ) calls I did call last Thursday, and was told current!! Pull your calls and records and prove me wrong if you wish I don't really have ANY respect left for Kohls to be honest!! So, here it is Tuesday and all hours phone ringing. I did get a restricted call once at XXXX XXXX  EST, and I'm having XXXX research to tell me if it was Kohls!!! 
I will not pay your late fees nor will I shop at your store again! If I get one more phone call I will contact the XXXX XXXX XXXX, Federal Trade Commission and do some research on the Kohls Class Action Suit that was approved to move forward a few years back. What you're doing is out of line and harassment! Like I said, I'm not paying any late fees and I best not be harassed any more by phone. I will make your MUCH NEEDED XXXX this Friday. I also pray that restricted call wasn't Kohls Credit Card!! This is my email and I will respond. Your company had me in tears. Kohls should be ashamed!!! 

Respectfully,
Product: Credit card

On XX/XX/2023, I ordered a XXXX reformer from XXXX XXXX XXXX. I canceled that order three days later and was charged a {$150.00} cancellation fee. I was also charged {$55.00} for shipping but was reimbursed that amount because nothing ever shipped. The merchant provided a screenshot to my credit card company of my shipping address. They did not provide a tracking number or proof of delivery. My credit card company informed me that I submitted information beyond the deadline to resolve this dispute even though Ive been emailing and calling them weekly since XX/XX/2023. I supplied them numerous times with the information they asked for.
Product: Credit card or prepaid card

I made a {$63.00} payment to this card on XX/XX/XXXX using my checking account. When I logged in this month to make a payment it shows that I am over 30 days past due and when I checked my credit report they had also made note to the bureaus of the past due payment. I called Kohls call center and they advised that there may have been an issue or typo with the account information I used to make the payment. I made a double payment to make my account current on XX/XX/XXXX but when I spoke to the rep I asked about the 30 day late. Kohls NEVER contacted me to know that the payment was unsuccessful and did not give enough time for me to correct the issue prior to hitting the 30 day late mark even though during that time frame they reached out multiple times with promotional emails. I am just asking that the 30 days late is removed from my credit, as I've been working hard to repair my credit and this caused a XXXX point loss. Had Kohls contacted me to let me know of an issue with my initial payment I would've resolved this prior to incurring a derogatory mark on my credit. The rep on the phone said that once the payment cleared I should dispute the late with the bureaus since the blame fell on Kohls. They also charged me 2 late fees- {$29.00} and {$40.00} for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing all inaccuracies on my credit report Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inaccuracies that I would like to address. 

Firstly, the account number XXXX with XXXX has been reported as late payment, but to the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately. 

Secondly, the account number XXXX with XXXX XXXX XXXX is questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

Lastly, the account number XXXX with XXXX XXXX is also questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

I hope that you will investigate these items and take appropriate action to rectify the inaccuracies. Please inform me of any updates or progress made in this matter. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2024, PayPal sent me an email asking me to verify my account before I could withdraw my funds. 
I obliged, sent records of my database and a photo of my driving license, thus, verified my account. However, soon after executing these actions, PayPal sent me another email indicating that my account would be permanently deactivated. I haven't done anything that was against PayPal 's Acceptable Use Policy to my knowledge, and PayPal has not given me any reason as to why my account was deactivated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXX {$18000.00} Closed Overview You have 0 % left to pay on this loan. 
Balance : {$18000.00} Highest balance : Account details Account Number XXXX Account Status Charge Off Open Date XXXX XXXX, XXXX Last Activity XX/XX/XXXX Type Responsibility Individual Remarks Charged Off Account Times XX/XX/XXXX Days Late XX/XX/XXXX Month 's Reviewed XXXX Terms Count XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history XXXX made 2 % of payments for this account on time. 
Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession or foreclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account ID : XXXX Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX  Account ID : 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
Product: Bank account or service

Wells Fargo employees withdraw funds from account to purchase personal items. when funds were deposited into account for loan payment, the balance did not decrease for several months. After receiving notification for payment not being paid, I personally went and discuss to employees that why are different Wells Fargo branches sending no payment notifications. They said not to worry everything is taken care of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, a financial institution and furnisher of information, along with EXPERIAN, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX XXXX and EXPERIAN being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states 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 XXXX XXXX and EXPERIAN do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charged off/canceled is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX and EXPERIAN are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX XXXX and EXPERIAN have been willfully noncompliant by continually misusing my consumer report after I filed a complaint.

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted a dispute through XXXX for credit reporting by XXXXXXXX XXXX XXXX XXXX ( XXXX  ) ' for an account in collections for original creditor XXXX XXXX XXXX ' on XX/XX/2024. XXXX responded through the XXXX online credit report dispute on XX/XX/2024 that the reporting details were valid. I received a letter in the mail from XXXX  dated XX/XX/2024 that provided details of the debt that included a Patient Statement inquiry, a SXXXX XXXX XXXX  Consent to Treatment : Authorization to Release Information : and Statement of Financial Responsibility form, and a XXXX XXXX XXXX  Notification of Patient Responsibility for Co-Payments/Co-Insurance % and Deductibles form. I sent a letter dated XX/XX/2024 to XXXX, certified USPS certified mail with tracking # XXXX. In this letter I requested written proof of the validation of the debt and HIPAA authorization that I gave consent to the XXXX XXXX XXXX XXXX ( XXXX  ) for them to have access to my private medical records. I received a letter dated XX/XX/2024 from XXXX  that did not reference this debt validation request, but referenced a creditor that was not XXXX XXXX XXXX and was not in reference to any request that I submitted to XXXX. 

The letter and documents that I received with XXXX  's letter dated XX/XX/2024 have violated my HIPAA rights. There were included detailed medical records that included specific medical billing codes for specific and identifiable medical procedures that I did not give authorization for, that I did not consent for XXXX  to receive these details and other information about me or my HIPAA protected information. Therefore I request that this collections account be removed from my credit report immediately because the XXXX XXXX XXXX XXXX has violated the law and my HIPAA rights. 

I included attachments with copies of documents that XXXX  sent to me proving the violation of my HIPAA rights. I have redacted my PII, and other HIPAA protected information. The documents that I received from XXXX did not include any redactions.
Product: Prepaid card

I filed complaints XXXX relating to closed Serve accounts. In those complaints I requested a final accounting of funds deposited to this account. I was not provided that accounting and the check provided upon closure of the account was {$300.00} less than the amount that should have been in the account. Because the account has been locked, I have no access to this information. 

Please direct Serve to provide a full accounting so that I may pursue this matter further with state banking authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These XXXX XXXX XXXX XXXX, XXXX with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my Equifax report and on my XXXX report. Both are violations of my rights. THIS INVESTIGATION HAS TAKEN LONGER THAN 30 DAYS!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and National Credit systems allegedly state that the account was not paid in full stating my daughter and I still owe them {$670.00}. When my daughter moved out we obtained a cashier 's check for the amount of {$740.00} on XX/XX/year> and sent to XXXX XXXX XXXX  and have proof the check was cashed by XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

XXXX XXXX  XXXX embarrassed me at my place of work by calling and asking for me. Their number was on the caller ID so it is obvious to anyone who looked them up after transferring the call to me. 

This person was not friendly and I believe acted in a very malicious manner by trying to intimidate me and embarrass me.
Product: Checking or savings account

On XX/XX/XXXX, I tried to purchase a money order for {$650.00} from the USPS located on XXXX XXXX XXXX. in XXXX XXXX, Texas. After USPS added its fee of {$1.00}, my total bill came up to {$650.00}. 

After inserting my debit card ending in XXXX and entering my PIN #, the worker said the payment terminal " froze on her, '' and that I should try again. No receipt or money order was produced - I did not receive the money order for {$650.00}. 

I tried to pay for the money order again two more times, and experienced the same transaction error. However, one debit of {$650.00} has posted to my account on XX/XX/XXXX for the money order that I never received. 

I urgently need the funds returned to my account now. 

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

After multiple attempts for US Bank to realize the account in my name was identity theft, they still denied my claim. I took the thief to court and won. I settled the account with US Bank because I moved it to a 0 % interest card until I can collect on the judgment. Due to their not accurate findings, my credit report states I paid them late and my credit score dropped 66 points. I would like them to remove this from my credit report since the courts have made a judgment in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found this information on my report :  US BKPT CT  NJ  XXXX   Reference  #  XXXX
Product: Credit card or prepaid card

I applied for a Capital One Secured credit card and in XX/XX/XXXX I was approved. I submitted my secured card payment of {$200.00} and it posted on XX/XX/XXXX and on XX/XX/XXXX they refunded my $ XXXX was charged a {$49.00} fee and they never refunded the fee. Then I was told that they were closing my account. The letter I received said that I requested the account to be closed, which I didn't. I called Capital One and I received no valid answers to why the account was being closed. 
Then in XX/XX/XXXX, I received a pre-approved regular credit card from Capital One. I accepted and all was good. But a month later I received a letter saying they were closing my account. Their reasoning was as follows, " We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes. '' I couldn't believe nor understand what they were referring too. I have only had this card for 1 month and I my only charge was {$87.00} for XXXX. I was also charged the {$39.00} member fee. Then a month later they are closing my card. I called again to ask why and they could not tell me why. They made it seem like I was a criminal. I told them I have a right to know. I was told that they do not have to explain why they are closing my account. 
I feel as a consumer and a cardholder being told that there is activity not consistent with their expectations, I should have a right to know. Also I should be refunded both the fees of {$49.00} and {$39.00} that they charged me because I did not get to use the cards for my benefit.
Product: Checking or savings account

I had 9 fees charged to my bank account from XXXX XXXX XXXX from in the month of XXXX alone that they were not authorized to take out
Product: Money transfer, virtual currency, or money service

Coinbase Decline to credit my XXXX  tokens or send it back. 

Day of transaction XXXX The transaction ID is XXXX The deposit address I sent was XXXX Support Case is # XXXX -Transferred XXXX XXXX tokens to an address provided by Coinbase XXXX 
- I was promised transfer would be credited within 35 confirmations. 
- Support first claimed I didn't own the address. - When I proved I did own it, They said I sent an unsupported token. The currently only support XXXX - There was no disclaimer when creating the deposit address they only supported XXXX. 
- Several days after back and forth I check and now there is a disclaimer saying they only support XXXX and you will lose XXXX tokens. This was not clear before. 
- I want to be credited the amount in current time USD or have the tokens returned to my original address. 
-They have the ability to do this since they own the wallet. 

Thank you, XXXX XXXX