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

I was leasing a XXXX in XXXX. We returned the XXXX on XX/XX/XXXX, ahead of our deadline of XX/XX/XXXX. Later, we received notification in the mail from XXXX XXXX of late fees assessed against us for late return of the XXXX. On XX/XX/XXXX, I spoke on the phone with an XXXX representative and explained that they wrongfully assessed late fees, and they explained I needed to provide proof. I provided proof via email the same day on XX/XX/XXXX and received no response. I followed up again on XX/XX/XXXX and again on XX/XX/XXXX with proof of our having returned the XXXX on time, and received no answer from XXXX. Eventually, I was contacted by debt collectors and my credit score suffered from derogatory marks ( Date unknown ). My husband spent hours on the phone with XXXX  financial on XX/XX/XXXX trying to get this issue resolved, and they said to call back later to follow up on this issue, but they would remove the charges and have this resolved. Later, my husband followed up and I found out that they had cancelled the outstanding balance but failed to go back and correct the historically inaccurate information which is still negatively affecting my credit score. I had warned them if this issue was not resolved I would be filing a complaint with the CFPB. I have already spent hours on the phone getting transferred from XXXX rep to XXXX  rep and would prefer to avoid suffering through that process again.
Product: Debt collection

I WAS INVOLVED IN A TERRIBLE XXXX WHERE A XXXX XXXX XXXX HAVE XXXX MOMS CAR AND WAS OUT XXXX XXXX. THE CAR COLIDATED WITH ME HEADS ON. I SUFFERED A XXXX XXXX XXXX HAD TO GET A XXXX IN MY XXXX AS WELL AS A XXXX IN MY XXXX. THE CAR WAS PAID OUT BY MY INSURANCE COMPANY OUT RIGHT. THE ACCOUNT IS REPORTING OPEN WHEN THE ACCOUNT BEEN PAID OUT AND CLOSED OUT IN XX/XX/2020. 15USC 16816 ( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted   XXXX   XXXX  , regarding a negative report that they have placed on my credit report with  XXXX ,  XXXX , and  XXXX  credit bureaus. I have asked them to provide me valid proof baring my signature that the account reported was mine. However, they have failed to provide me valid proof baring my signature as required by the FCRA. They also broke the federal law, by not reporting that I was disputing the account that they reported to all  XXXX  credit bureaus as required by the FCRA. My first dispute was on  XXXX / XXXX  /201 7.   XXXX   XXXX   signed for a letter from me on  XXXX / XXXX /2017 that was sent certified/return receipt. Another certified/return receipt letter was sent on  XXXX / XXXX /2017 signed for by   XXXX   XXXX   on  XXXX / XXXX /2017 informing them they had violated federal law per FCRA rule 623 ( a ) ( 3 ). Their willful noncompliance has caused me financial hardship and I am asking for your help in this matter. I have attached all correspondents with   XXXX   XXXX   for your review.
Product: Debt collection

I've never went to the doctor in the state of Texas. I've never received a bill or communication to dispute anything. I checked my credit report and this 3rd party company Commonwealth financial has put a negative mark on my account for a medical bill I don't owe. I contacted the collection company and I get a full voicemail of a woman 's phone not even a company. they cant tell me who the original creditor was or anything else with the account. I really need this collection off my report. I don't know what to do.
Product: Mortgage

In XX/XX/2018, we switched insurance carriers to XXXX for our homeowner 's policy., making sure to buy the same coverage that we previously had with XXXX . In XX/XX/XXXX, we received a letter from Wells Fargo stating that we did not have coverage for wind damage. Shocked, we called XXXX and were assured we did indeed have coverage. We then called Wells Fargo, staying on the line over an hour, and were told that the issue was settled. In XX/XX/XXXX, we received another letter -- same issue. We immediately called and again stayed on the line for almost two hours, this time while the Wells Fargo rep called XXXX. When she finally returned, she assured us that this time the problem had been dealt with. The next letter we received from Wells Fargo informed us that since we had not purchased wind coverage, they were buying a policy for us -- for {$1300.00}, {$500.00} more than the policy we bought from XXXX. Once again, we called, were on the line over two hours, and found out that Wells Fargo needed a declaration page from XXXX. It is a mystery to us why that fact had not been revealed previously. Meanwhile, Wells Fargo went ahead and took {$1300.00} out of our escrow account for the policy we did not need. The failure of Wells Fargo to correct an error they made, one that they assured us had been corrected three times, is unacceptable. We are older people with health issues, and this has caused us a great deal of stress and worry. We read over complaints on your web site and found others have had the same problem with Wells Fargo, so we can't help but wonder if this is a new scam cooked up to defraud consumers, similar to the credit card scam in recent years. We have advanced college degrees and were able to navigate the extremely and unnecessarily complex process to have this problem fixed. Many consumers would not have resources to do so. We would like assurance that, going forward, Wells Fargo will correct their errors quickly and with less time and effort required by their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters reported a fraudulent account from XXXX XXXX on all three credit bureaus. They must have purchased the account and then reported it as accurate. This is a fraudulent account - National Credit Adjusters are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by reporting fraudulent information on my credit reports
Product: Debt collection

I

want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Product: Credit reporting

This is a {$450.00} debt that has been placed into collections. The collection company is XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. I have contacted XXXX by US mail and received two letters back written in XXXX. I have contacted them by phone and they indicated that the original account ( XXXX ) was listed as an XXXX speaking person. I do not speak speak XXXX. I submitted an online dispute with XXXX, but they decided in favor of XXXX. I have never received any documentation, XXXX or otherwise, validating this debt. I have offered to just pay the debt as long as it gets deleted from my credit profile. I was divorced in XX/XX/XXXX, and moved several times in the years after that. This debt recently came to my attention on a credit report inquiry, and is the only negative entry on my report. Although XXXX acknowledges that the original account listed the person receiving the credit as XXXX, they have refused to take any action. The persons I spoke with from XXXX indicated that they were located in XXXX, could have cared less about me submitting a complaint to the federal government of the United States. One call the man identified himself as " XXXX XXXX '' in XXXX, with and XXXX accent. This was false information given in an effort to collect a debt. The debt is in my previous name of XXXX XXXX. My name now after getting married in XX/XX/XXXX is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraudulent charge of {$5.00} on my credit card. I reported this several times, being referred and transferred endlessly to various departments and nothing has been done by XXXX XXXXXXXX XXXX. As a result, my account is delinquent, they have substantially reduced my credit limit and I have now got a negative report on my credit score. I would have simply sucked it up and paid the fraudulent charge, but I now refuse to on principle. XXXX XXXX XXXX need to fix this and apologize.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2023 I initiated a money transfer in the amount of {$240.00} from my XXXX account to my Regions Bank checking account, upon checking my bank account the funds never appeared! I contacted Regions bank immediately and I learned that this particular account had been closed due to inactivity as I was unaware and Regions Bank never notified me electronically that account had been closed, of course if I had been made aware I certainly would not have sent funds to this particular account! So when speaking to bank representative she said funds would be rejected and sent back to XXXX I waited for about 72 hours before contacting XXXX as it was XXXX of XXXX that Tuesday and process would take longer due to holiday! When I finally was able to speak with XXXX money had not arrived back to them and I explained the situation to them that bank account had been closed without my knowledge and they said they would open up a case and do a trace to see and try and locate money. A few days passed and XXXX got back with me and according to their investigation Regions Bank had received funds, I contacted Regions once again made them aware of what XXXX had said so the bank representative did a deep dive more or less to no avail on the whereabouts of the money! I then did a 3 way call with both regions and XXXX so that representatives could speak on phone as I was present and try and figure out the situation both pretty much blamed one another as XXXX had not received funds back and XXXX told regions representative that after their investigation the money had been accepted! In subsequent days and weeks I did two more 3 way calls with Regions and XXXX and still had zero answers as to where money was! I have physically visited a Regions Bank branch to get a resolution to the problem and got pretty much the same answers as on the phone! XXXX also told me they had exhausted all options as they did a total of XXXX additional traces of the funds and continued to say Regions bank had accepted the money! It is now XX/XX/XXXX at the time of this writing and still have no answers nor my money that is rightfully owed to me by one of these corporations!
Product: Credit reporting or other personal consumer reports

I submitted a complaint about the communication to Synchrony Bank about reporting transaction history in violation of 16 CFR 313. They are also stating that I can not opt out of a unilateral contract that was only signed by one party which is me, which is also a violation of 16 CFR 313. I also understand they have my securities which was the application I submitted and that they are committing securities fraud according to the SEC Act 1934 which will be taken up in federal court if this isn't all rectified. I have also sent written instructions to their indenture trustee which is XXXX XXXX XXXX XXXX XXXX XXXX Attention Corporate Trust Office Synchrony Card Issuance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also understand that the debt has already been discharged using either a 1099a or 1099c filed with the IRS. So either way there is fraud being committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Fraud occurred when mail was stolen from a business mailbox in XX/XX/2021. On XX/XX/2021, I was alerted by a detective that a suspect was taken into custody with a counterfeit California Driver 's license in my name, address, and DOB. On her person was {$3500.00} cash and $ XXXX.Cashier 's check and withdrawal slip from my personal checking account. In addition, there was a debit card for XXXX, and a form with my own personal information. On XX/XX/XXXX, I placed freezes and security alerts on XXXX, Equifax, and XXXX, and disputed the many inquiries that has been recently made on my credit profiles. The suspects were released after two weeks. On XX/XX/XXXX, a MailDump in the City of XXXX XXXX turned up a new account opened at XXXX in XXXX XXXX in my name. Again, I investigated into my credit bureau accounts, and found that there had been more inquiries into XXXX and Equifax. On XX/XX/XXXX, the suspects gained access into XXXX and Equifax and unfroze my accounts. There were apartment rental applications, retail credit cards, and attempted automobile purchases through XXXX and XXXX XXXX XXXX. I called Equifax, and found that the email on file was updated by the thieves to bypass any communication to me directly. The credit report from XXXX on XX/XX/XXXX compared to the summary dated XX/XX/XXXX, showed another telephone number added to my profile. I was able to unfreeze my own Equifax account simply by using the automated system that inputs the information that was stolen by the identity thieves. There was no password on PIN required. These credit bureaus claim to protect the consumer, but it is a false security. Using personal information that was compromised, Criminals gained access to exactly the information that should have been protected the most.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a debt with credence resource management and we agreed to remove it from my credit but they put it as paid it is causes me hardship due to keeping my score low Im trying to refinance my home
Product: Debt collection

I received a text message with a link to a Website and a phone number. The website looked legitimate, so I called the number to resolve the issue. The seemed to have my name on file and phone number, though when I called them out for not correctly having other information attached to my name and that this is an error, they hung up on me which clued me in that it was indeed a scam.
Product: Money transfer, virtual currency, or money service

Coinbase and Coinbase pro have either lost my money due to a hack or a system error, or they have a glitch and made it so I can not get back into my account, It's been 6-7 weeks since I have been able to get into my account and I first messaged them about the problem. I received a couple of auto generated " your ticket has been received '' msg and then the generic " we have a high volume so it may take a while to get back to you ''. I sent another msg a few weeks later and got a reply saying they would get back to me in 5-7 days. That did not happen. I sent another email saying they never got back to me and have heard nothing back in weeks. I have {$70000.00} in their system that I can not trade to make money, move to save money, or withdraw if I need to use it. I read on the internet that in XX/XX/XXXX/XX/XX/XXXX that 140ish people filed a complaint with the sec and there was/is a lawsuit for these exact reasons. As of XX/XX/XXXX I have opened a XXXX account to try and get help on there. Still just computer generated replies from Coinbase support.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Robinhood, a financial service company restricted my account without prior verification/any attempt to contact me to verify. I have more {$12000.00} funds in the account which I use for daily active trading. If theres suspicious activity noticed in my account, Robinhood should have first contacted me to verify prior to restricting my account. No doubt that I would care more about my account safety than anyone else. I believe all these started as a retaliation against me by Robinhood for trying to transfer out my funds to another brokerage company on XX/XX/XXXX. Robinhood doesnt have premarket trading on all the stocks and it doesnt fulfill my needs. I have verified my ID through their mobile app multiple times, contacted customer service to remove the restriction asap. However, Robinhood refused to unlock my account staying it will take additional XXXX business days on XX/XX/XXXX even I have verified my information with them every time speaking with a customer service person. I have requested to speak with the supervisor and received the same answer prior to their agent abruptly disconnecting the phone. This has caused me a lot of stress, anxiety, fear of loosing my funds and financial damage from not able to trade all these days. 
Also I have noticed few months ago XXXX of the XXXX fraud stock market group has accessed my contact information from Robinhood. I have stopped using Robinhood temporarily after XX/XX/XXXX and all those scammers at XXXX claiming to assist in stock trading have also stopped contacting me. After refunding my account in end of XX/XX/XXXX or XX/XX/XXXX, I have noticed getting contacted by the scammers again. I believe theres some breach of customer information through Robinhood to these scammers to scam retail traders. This should be investigated thoroughly.
Product: Debt collection

AMSHER Collection Service Date Opened XX/XX/2022 Amount : {$340.00} Original Creditor : XXXX Company Address : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX This collection is false. I have never opened this account and used XXXX, Yet, this has been reported to XXXX and issue against my credit report. Also checked with the other credit score services companies, they dont have this collection listed. When I called, the operator at this company immediately requested my social security number. The account in the credit report only shows the first six digits and missing the last two.
Product: Credit card or prepaid card

I made a purchase online with XXXX XXXX in the amount of {$280.00}, on XX/XX/2021. I then made a payment of {$160.00} that posted on XX/XX/2021. On XX/XX/2021 a Finance Charge of {$3.00} was applied. On XX/XX/2021 a refund for a partial return in the amount of {$110.00} posted back to my account, which left a remaining balance of {$7.00}. That balance was paid on XX/XX/2021, prior to the billing cycle ending. So, at that point the account was paid in full. On XX/XX/2021 a Minimum Interest Charge of {$2.00} was applied to my account, although there was no balance it could be applied to, since the previous balance was paid prior to the end of the previous billing cycle. I contacted Comenity via their internal online Secure Message Center on XX/XX/2021 and the rep refused to remove the incorrectly charged fee. That fee is now in dispute with Comenity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the pdispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate these accounts ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent Transunion credit report. I noticed some credit inquires that I did not authorize to pull my credit report. The inquiries made by the following companies : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights