23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried several times to let pheionx financial know that I have no clue why they continuously add/ and remove this account I know nothi g about. It's getting pretty nerve wracking that I explain, and then it comes back on as a new delequint account. There is also a XXXX. Bill that I have no type of knowledge of and do beleive somewhere, someone used. My name. I feel it could have been someone that knew my kiddo, bit I cant ask her know because she passed away a few months ago.. I didnt love on XXXX XXXX XXXX # XXXX and I asked them toremove that address from my report. There is also some type of motor lease thats connected with that same address and apparently someone tried to buy a motorcycle in my name. But never got one ... but its on my record. Now that I need to finally use my credit..i cant because someone has made a mess of my reports with stupid lol things. I would like for them to removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$6400.00}
Product: Checking or savings account

Someone attempted to open account using my identity at citizens bank. They were unsuccessful but I would like to notify your bureau in case this has happened with other financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding XXXX I initiated a complaint on XX/XX/XXXX stating that the " debt '' this company is reporting is usury in nature, to date the " investigation '' is not complete. Company give boiler plate responses stating " we verified the information is accurate ''. At no point do they address the usury amount that is in violation of NYS law. it has been over two months and my complaint is still open on " XXXX XXXX '' I've attached a screenshot proving this. Any representation stating otherwise is misrepresentation of the the facts I demand an answer as to why Transunion is reporting usury amounts in violation of NYS laws, these are the laws that prevent " pay day '' lenders from representing their debts on credit reporting sites. Please note that Transunion is the only reporting agency reflecting this ILLEGAL entry
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  Balance : - XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Credit collection services XXXX XXXX XXXX, XXXX, MA XXXX. Has been sending me notice balance {$690.00} The collection has reported as a pass due balance. I dont know this company. I never done any business with this company. This company doesnt have a contract with my signature.
Product: Credit card or prepaid card

I made a purchase and opened a new account with Kay Jewelers on XXXX. I received my first statement due in XXXX that reported to my credit as over the limit because I was not told my total credit limit but XXXX added additional insurance to my card since the company allowed those things to be added to the tune of {$1800.00} additional added to my card. I am in process of closing on my home and was told by me loan servicer that I needed to make a payment of at least {$2800.00} to bring the balance down prior to closing. I went to the store to make the payment on XXXX/XXXX/XXXX at XXXX and was told by XXXX XXXX the CASH PAYMENT of {$3700.00} would post immediately to my account. It is now XXXX/XXXX/XXXX and my payment has not posted to my account. I am getting the run around between XXXX credit and Kay jewelers being to that my payment was posted to and old account number and their accounts number have changed. ( How did I get an old account number for a new account?? ) It could take up to 5 business days for a CASH Payment to post. XXXX XXXX was provided the receipt for payment made and can see that the payment is posted to a so called OLD account number and has yet to process my payment. I have made multiple calls and there is still no assistance with this issue. THIS IS ABOUT TO CAUSE ME TO LOSE THE CONTRACT ON MY NEW HOME BECAUSE THESE PEOPLE ARE NEGLEGENT IN PROCESSING PAYMENTS!!!!
Product: Checking or savings account

I have a money management checking account at SoFi bank that currently has a balance of {$1100.00}. Since XX/XX/XXXX, I have been unable to access the funds in this account as a temporary restriction has been placed on my account. 

In reaching out to SoFi on XX/XX/XXXX, I was told that I would need to speak with the XXXX XXXX XXXX. Calling the phone number given to reach the XXXX XXXX XXXX provides me with a message stating : that there is no one available to take my call. But to please leave a message with my name, phone number and reference number so that a member of the team may follow up with me. Naturally, I followed these directions ; however, no follow up call or communication of any kind followed the voice message left on XX/XX/XXXX. 

On XX/XX/XXXX, I left a voicemail with the XXXX XXXX XXXX stating the I would like to close my account as I did not have access to the funds within my account nor was I being provided assistance in gaining access to these funds. This voice message went unansweredas did did numerous messages over the next few months left with SoFi requesting that my account be closed and my funds returned to me. The most recent message was left XX/XX/XXXX. This message has not been answered. 

It is extremely frustrating to have my messages ignored by SoFi..especially since I have followed their directions in terms of proper communication with them. It is also frustrating and puzzling that I can not access the funds in my account and that SoFi is actively preventing me from closing my account. Any help that can be provided in closing my SoFi account and having my funds immediately returned to me would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I saw that my rights as a consumer has been violated. According to the FCRA, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States " the term consumer report doesn't include any report containing information solely as to transactions or experience between the consumer and the person making the report. " Late payments are a form of transactions according to the credit laws. All bureaus, XXXX, Experian and XXXX is reporting late payments on multiple accounts : XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. " I never gave any of the consumer reporting agencies written permission or instructions to report any inaccuracies let alone these late payments. Also according to 15 USC 1681 602 Congressional findings and statement of purpose states " There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. " It also states " the banking system is dependent on fair and accurate credit reporting. '' Reporting inaccurate information on a consumer reports directly impairs the efficiency of the banking system. Nothing about the reporting of these late payments are accurate and I have never received sufficient proof that they are accurate and my privacy has been violated due to the consumer reporting agencies violating my consumer rights by allowing these inaccuracies to be reported on my credit reports. I am requesting that you do the right thing and delete this information from my reports.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Debt collection

I opened an account with XXXX XXXX around XX/XX/2017 for wireless internet. They came to install the internet and it was working for a few a few hours after the technician left, however every time I left the apartment and returned I had to reboot the router. Later that evening the internet stopped working entirely. When I called to have another technician come out to fix the problem they were not available for a whole week. When the technician arrived one week later the same results occurred. When I called to cancel they said it would not be a problem and I would not have a balance to pay due to me not having service during the time I was supposed to have service. The XXXX   Cancelation Confirmation Number was XXXX and I spoke to XXXX   Employee ID XXXX said my account balance was XXXX dollars. The following month I received a bill of {$170.00} I spoke to XXXX   Employee ID XXXX on XX/XX/XXXX and he told me the final bill takes 30 days to generate but not to worry. The following month I spoke to XXXX Employee ID : XXXX on XX/XX/XXXX and she now told me it would take 60 days to generate the final bill with a XXXX  balance and it would not be a problem. I called again in XX/XX/XXXX to be told now it would take 90 days. Every time I asked to speak to a manager or someone else who could assist me and was denied this. It would also take me 30 plus minutes on hold before I was able to speak to someone. In XX/XX/XXXX I recieved a Collections Notice from XXXX XXXX XXXX XXXX claiming the same {$170.00} from XXXX XXXX. I again tried to reach out to XXXX directly and was told now there is nothing they can do and my account is in collections. I have never had an account in collections, I have never had a late payment, I value my credit and ensure I maintain it in good standing but I refuse to pay this balance because it is for services I never recieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear Sirs and Madams : Hope you're well. I had a XXXX lease for a XXXX XXXX XXXX that matured in XX/XX/XXXX, at which point, I returned the car. I ended the lease with a flawless payment record. At some point, over a year later, I noticed that the XXXX account had been reporting as late and a charge off on my credit profile with the three major bureaus - XXXX, XXXX and XXXX - for 14 consecutive months ( XX/XX/XXXX XXXX XX/XX/XXXX ) (!!!! ). I immediately inquired about the derogatory remarks by contacting Hyundai ; Hyundai stated that there was an unpaid balance, perhaps for damages. Hyundai also mentioned that they would fax me an invoice. Unfortunately, I had never received any invoice at all from Hyundai after I returned the car in XX/XX/XXXX and I didn't receive the promised fax after I called Hyundai about my credit profile. Finally, I managed to obtain ( through my own efforts ) an invoice for post-lease charges and I paid the balance immediately. 
The fact that I did not receive an invoice from Hyundai for the post-lease expenses until I called them over a year after I returned the car, is now causing 14 lates and a charge off status on my credit profile through no fault of my own. Due to the fact that a post-lease invoice never reached me, makes the negative remarks and charge-off status on my credit profile misleading and untruthful, despite the protection offered by the Fair Credit Reporting Act. There must be policies against such unfair business practices. My Hyundai account should rightfully reflect the flawless payment history that I maintained for the life of the Hyundai lease, without punishing me for the fact that Hyundai failed to inform me of post-lease charges for over a year, and which I paid immediately upon obtaining through an invoice through my own efforts. I have contacted Hyundai credit dispute department by mail and received an unacceptable, canned letter in response not even recognizing what had actually happened.

Please let me know what can be done to restore my credit worthiness.
Product: Debt collection

THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Credit reporting or other personal consumer reports

In the month of XX/XX/2023 I was late with my payment, but still made the payment in XXXX and it was toward the end of the month of XXXX I went ahead and made XXXX payment as well since it would be due in a few days ( payment was mailed in ). They took XXXX payment and put it towards the principle instead of the payment, I called to fix the problem while i was waiting for them to fix it they reported to the credit bureau that I was over XXXX days late which dropped my credit XXXX points. This has happend to me XXXX times with similar circumstances. During covid XXXX XXXX XXXX XXXX  and let PNC know so I applied for a hardship because of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so they moved those payments to the back of the loan which we agreed upon. Next thing I know my credit was dropped XXXX points because of missed payments, this was never disclosed to me that i would take a hit like that, I didn't think this would happen because of covid. I remember the news saying that you couldn't get in trouble with the banks.I feel that i have been treated unfairly and that i have been targeted, when i asked them to restore my credit and fix this problem I was told I would have to write a letter to them since nobody in there credit department took phone calls. Pretty crooked!
Product: Mortgage

I got behind on mortage payments. 
and I sent all information that the mortage company requested and received a repayment plan that I could not afford because they used my fathers income and he does not help or live at this residence. I was told by them Carrington to do a Quit Claim Deed I did so I could submit paper work only for me and I sent them a copy they have on file because I called them to check if received.So now I have received XXXX calls and XXXX letters telling me I have to send in information for my dad even though I did the quit claim deed. 
I have given these people everything they have asked for.I have a XXXX counselor who has faxed everthing to them. I am not trying to loose my house.Now I was told to fax in a request for a loan assumption package I do n't understand it 's like they do n't care if you have done everything they asked and in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan account with this company since XX/XX/XXXX. The last time they reported to the credit bureau was XX/XX/XXXX. I have contacted the company monthly and still nothing. Also they were caught not crediting bank electronics direct payments, Once it was brought to their attention, they said because of Covid 19. The company name is Ally financial.. The contact info I have for them is XXXX XXXX XXXX, XXXX, MN XXXX. Telephone contact XXXX
Product: Debt collection

On my credit report with Experian, it shows no data for XXXX months. As I dispute the debt, the company refuses to take it off and generates a different payment history. The company still has not verified any debt owed. Experian has not removed the account. I have written several letters. I have spoken to a representative, and I have disputed online. The name of the creditor XXXX XXXX systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my SSN to open a XXXX XXXX XXXX in my name and I want this removed its fraud. I am also waiting to hear back from all credit bureaus
Product: Debt collection

Im writing a formal complaint on XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. 

I have made three payments for three statement and the bank is contending that I was past due on a payment because I paid early. I have contacted the bank through CHAT SESSIONS to correct this error. 

On XX/XX/XXXX at XXXX, XXXX, Operations Manager, stated : Thank you for waiting, XXXX. I have corrected the account and removed the previous payment. 
On XX/XX/XXXX the amount due would be {$140.00}. Even this is incorrect. Amount due on XXXX is {$140.00}. 

On XX/XX/XXXX, XXXX XXXX stated between XXXX and XXXX : Thank you for waiting. I greatly appreciate your patience. XXXX, I see that the issue was taken care by my manager with whom you spoken on XXXX. This was sent to the backend team to get this corrected as we had the weekend our backend team wont work so this will be rectified by this weekend. Please dont be worried, as this was taken care, XXXX. 

On XX/XX/XXXX, XXXX XXXX stated at XXXX stated : It needs at least 1 2 billing cycles for the correction.

This is totally unacceptable! I checked my account today and it still stating I am {$140.00} past due. My next payment is due on XX/XX/XXXX! I am not paying them a past due payment when it has been an entire month and they havent rectified their error. I DO NOT WANT MY CREDIT AFFECTED BY THEIR INABILITY TO CORRECT THIS SITUATION! 

I found numerous complaints about this financial institution in researching if anyone else has had this problem with XXXX XXXX. 

Someone needs to inform this institution to correct their situations with their customers accounts in a timely manor as they state they would. Again, they are not getting another penny from me except the correct payment amount!!
Product: Money transfer, virtual currency, or money service

Coin base Closure Email- https : XXXX Closing too many accounts error-https : XXXX Unable to send BTC error- https : XXXX XXXX have used Coinbase for a few years now. About 7months ago, i made a transaction of over XXXX from an external wallet into coinbase. BAD IDEA!! After a few days going by i then checked the funds and tried to send a portion elsewhere. OH NO! It said sending and selling was XXXX ....!! I thought, maybe its a little issue, and coinbase would sort the issue. There was NO phone number to ring, support is useless. I waited 7days+ everytime for a response from a bot saying case closed. XXXX XXXX!! 7months down the line and me constantly putting in tickets, they decide to close my coinbase account.. No idea why, But they have closed it. I got another email stating to follow the instructions ; log in and withdraw to an external wallet. ( account has to be XXXX before closure ). I put in another wallet ID, do my authenticator.. and it says again, sending XXXX?! i keep trying and then it says " You are closing too many accounts, please try again later. " There is no hope with this company.
Product: Checking or savings account

For case XXXX, Wells Fargo has violated multiple consumer protection laws and thus I need CFPB take enforcement action.

1. For the unauthorized transactions amount at {$12000.00}, as its clearly indicated in the police report, the transactions was unauthorized and was categorized as fraud. However, XXXX failed to provide any response indicating why the transactions were considered as not fraud -related, nor provided any evidence to provide customer 's authorization. Stop payment is not sufficient cover the loss. 

2. Additionally, Rule 1005.11 ( c ) No provisional credit was given within 10 business days of receiving the error notice. The oral notice was given to the bank on XX/XX/XXXX and written notice was given XXXX after several follow ups. However the bank fails to provisionally credit the consumer 's account in the amount of the alleged error. 

3. Rule 1005.11 ( c ) ( 4 ) ( ii ) When I reported the case to the bank, the bank failed to provide Written explanation. The institution 's report of the results of its investigation shall include a written explanation of the institution 's findings and shall note the consumer 's right to request the documents that the institution relied on in making its determination. Upon request, the institution shall promptly provide copies of the documents.

4. Rule 1005.6, Following the law, timely notice was given to the bank both in oral and in written. As such, consumers are not responsible for unauthorized transactions. With XXXX 's Zero Liability protection, consumer won't be held responsible for any promptly reported unauthorized card transactions. However, XXXX hold the consumer reliable for such fraud activities. 

As such, I need the bank provides explanation for each points since it violates multiple laws. Especially the basis of determine that this is my authorized transactions.
Product: Checking or savings account

I received several emails from TD bank stating '' thank you for opening up a checking and savings account with them '' I called the bank fraud department to submit a complaint and put a stop to any service rendered. I'm submitting this complaint because TD bank allowed accounts to be open easily without taking extra steps with a person identity or social. I never in person open any accounts with TD banks and for them to allow fraud to occur with their bank so easily is very upsetting. Please handle this issue. I work to hard for me to go through fraud thefts.