23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On the time stamped below : Created : XX/XX/XXXX XXXX PST Regarding Case ID : XXXX I requested to gain access to my USD funds which was locked in an exchange whereupon I had no control over funds which were not being used and stored on the exchange. After more than 10 days, I received a response from support on the following time stamp : XX/XX/XXXX XXXX I was promised by support agent " XXXX '' that my funds would be transferred out for me to another exchange whereupon I could have control. This transfer was limited ot {$10000.00} per daily limit, and since I had more than the daily limit of funds in the account, the remainder was to be transferred on subsequent day ( s ). 

After more than 13 days, this has not occurred, and I still have a large balance remaining on my account that had no follow-up. 

On date time stamped below : XX/XX/XXXX XXXX I tried to remind support that there is still a remaining balance that must be transferred out and that the delay was unreasonable. 

Quote : " I am still waiting for the remaining balance to be transferred. There is a remaining balance on XXXX of XXXX USD that needs to be transferred back into my Coinbase account so I may withdraw. Please also transfer my BTC balance of XXXX back into my Coinbase as well so I may sell. It has been 13 days since your last transfer and I have been expecting more to occur but my case seems to have been ignored again. '' Conclusions : Coinbase support does not respond to serious issues involving money with due diligence. Given the financial size of the organization and it 's function as an exchange, there is no good reason to devote so little to support. 

Coinbase support did not fulfill promises made in my ticket. 

Coinbase support did not follow-up on my ticket After Coinbase determined which funds needed to be frozen, it did not promptly release all uninvolved funds back to the owner 's control. Since the start of the ticket, I did not have access or control over funds unrelated to any incidents for exactly 31 days.
Product: Debt collection

RFC XXXX is reporting on my credit profile that I allegedly owe {$2800.00}. They also have Credit Recovery Associates trying to collect the debt on their behalf and the alleged amount they are trying to collect is {$110.00}. The XXXX companies are reporting on my credit profile for the same alleged debt. I contacted XXXX and the only information that they provided me is that a live check was sent to an address that I did n't live at the time. No one actually came into an office to take out a loan with them. I requested a contract agreement from this company but they did n't have anything with my signature on it however they continue to report on my credit profile and ruin my credit reputation. Is it legal for this company to report something twice on my report that does n't even belong to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I desperately need some help. I run a charitable 501c3 documents included. the website in XXXX my organization requires that my credit be ok enough to provide food, medicine and basic services in order to save veterans and wild mustangs. 

I have made multiple attempts to rectify late payment reporting with XXXX XXXX XXXX  and not only did they do nothing they made a claim that a payment was not honored by my bank XXXX. I will include actual photos from my account with the date of payment being XX/XX/2023 for {$1000.00} which was withdrawn from my account. On XX/XX/XXXX XXXX XXXX stated that the payment was not honored. I then called them and went to XXXX to confirm that payment was made. This has caused be great stress and in fact I made another payment that day of {$450.00} on the XXXX of XXXX. I have also included proof. I ask that all late payment please be removed from my credit report and as of the time of this report I still do not have the original amount of {$1000.00} either credited to my bank account which paid the item on XX/XX/XXXX nor XXXX XXXX has credit the credit card account.
Product: Checking or savings account

When I opened my account in XXXX Wells Fargo waived all fees because I had a mortgage with them. For 14 years I've had fees waved. XX/XX/XXXX I had a {$10.00} service fee. I called to have an explanation, they said my account changed and I had to meet the requirements to have this fee waived. I never got a letter from them notifying me of this change. The banker apologize for not receiving a notification and he said unfortunately we can't waived charges because my account was discontinued. I try to see if they would honor my old account and answer was NO. I'm very disappointed in how wells fargo handle this so called change of account without my knowledge. They will be loosing my business.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

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

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


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Checking or savings account

XX/XX/2024 I had {$1000.00} stolen out my account which was my XXXX money. On XX/XX/XXXX I had {$4600.00} stolen out my account. This unfortunately happened through unauthorized transactions. I received XXXX credit to my account but that was for my XXXX that was stolen XX/XX/XXXX. The Chime dispute team incorrectly filed my dispute and it's all on the same ticket after I was told I could not file a dispute for the charges on XX/XX/XXXX until they stopped pending. When I called back on XX/XX/XXXX they said a dispute they said a it was XXXX open on the ticket for {$2800.00}. The keep denying the XXXX even though its a total of XXXX stolen and the XXXX is completely separate because that was my XXXX the day before. chime is not a real bank, chime should not beable to receive large deposits. I am still fighting for a fair investigation and my Financial Aid back. This has caused serious hardship and mt daughter  birthday is Tuesday XX/XX/XXXX. I have no money and XXXX stolen from me and no help from the bank. to get it back which is so sad. Please close them down
Product: Debt collection

Commenity bank calls my phone all day everyday filling up my voice-mail with the same spam message. I'm sick of them calling non stop!
Product: Checking or savings account

I own XXXX XXXX XXXX XXXX, We opened an account with Pinnacle Financial Partners in XXXX XXXX, TN on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX at the XXXX XXXX XXXX emailed me stating the account is being closed. She stated it would be closed on XX/XX/XXXX and debit cards shut down on XX/XX/XXXX, she stated the reason was an unclear XXXX XXXX report. 

My corporate attorney verified my XXXX report is not frozen and also verified with XXXX legal team that Pinnacle Financial Partners was sent my report numerous times and no freeze code was sent. Later that day on XX/XX/XXXX, XXXX had blocked access to the account completely ( online, phone, debit cards ) and told me to pickup a check, when I went to the bank police were waiting as an intimidating tactic. The check received was thousands less than what was in the account. 

I have emailed XXXX and my lawyer has too several times and she does not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mine is simple. I pay my card in full each month. This month, I owed under {$30.00} and it dropped my credit score. Monthly, when I pay the bill, I add in what I charged AFTER the bill and I also try to anticipate what I need to cover charges BEFORE the next bill. So why, if the card gives me a 30 day grace to pay the bill, bureaus can drop your score for the same issue, having a balance that is not yet interest bearing? If I carry a credit, the bank will refund me after X days. I wouldn't have to if I could pay what I owe and not have to fear messing up my score which is a quite good one because I have a balance due. Can't this be fixed? You're punishing good borrowers. It's bad enough that Equifax let a foreign goverment steal my data. It would be nice if your agency could close this loop.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of Inquiry : XXXX XXXX This is not mine. 

2. Identity Theft XXXX Date of Inquiry : XXXX XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Date of Inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of Inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  Date of Inquiry : XXXX This is not mine. 

7. Identity Theft CONSUMER PORTFOLIO S Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL The credit bureaus are refusing to provide results and remove fraudulent information from my credit report.

XXXX has stalled on all my disputes I have sent, I have sent 3 in the last 60-90 days and they continue to ask for proof of my identity. I have sent my ID, Proofs of address & a copy of my social multiple times. I have filed previous complaints and they still ask for this info. I need the CFPB to step in and do something. I have attached ANOTHER proof of identity.

There are items on my credit report that ARE NOT MINE!! All 3 major credit bureaus are reporting them and I have disputed them yet they stall or say they are valid. I would like to demand to know how you verified these inaccurate accounts? 
MY NAME IS COMMON AND OFTEN I GET STUFF FOR A XXXX XXXX ON MY CREDIT BUT I USE MY FULL NAME FOR ALL MY STUFF. MY FULL LEGAL NAME IS : XXXX XXXX XXXX XXXX. 
I am contacting my attorney and the attorney general in each area of your operation. 
THese accounts are not mine : all the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Trans world systems INC has been trying to collect a debt dated XXXX for a utility bill belonging to an apartment I have not lived in since XXXX. I have repeatedly disputed the validity with the bureaus and somehow they keep reporting it as accurate. I have attached photos of mailing with the name of the tenants that moved in after me as well as a copy of my lease dated XXXX. I called the company and explained all of this and was told I needed to file a police report for them to fix it. A police report for me to fix something that I have legal proof I am not responsible for? So I have to jump hurdles now for you to fix an obvious error? As if police don't have anything better to do than take a 4 year old report?! Just take the documentation and acknowledge the error and then change what you're reporting. It's as simple as that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a background check through XXXX and the credit bureau Experian is stating my SSN card was issued prior to my date of birth, which is incorrect! I supplied Experian with a letter stating my SSN card was issued after my date of birth! Additionally, I currently work for Department of Veterans Affairs, a Veteran myself and passed a federal background check! Experian is causing undo hardship by not updating correctly the date my SSN card was issued! Causing loan issues with my creditors and future creditors.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

I received a collection notice from ATG Credit , llc. on, or around XX/XX/XXXX. The letter is dated XX/XX/XXXX and is claiming a debt owed to XXXX XXXX XXXX for labs billed by the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX. My understanding is that XXXX XXXX XXXX filed bankruptcy in XX/XX/XXXX and went of out business at that time. 
When I received my original statement from XXXX XXXX my insurance at that time ) in regard to XXXX XXXX XXXX bill, it showed the allowable charges and their payment. It also had an explanation of benefits that states I have 0 % patient responsibility for the remaining balance. XXXX was a contracted insurance provider with the office. 
The billed amount from XXXX XXXX XXXX was {$4600.00}. XXXX paid for the allowable charges and sent a statement explaining the balance with a {$0.00} patient responsibility. I have a copy of this statement. I also sent a response to ATG Credit, llc.within the required 30 days asking for proof of services that created the alleged debt, how the debt was calculated, copies of any papers that show I have an obligation, show that they are licensed to collect in the state of Utah, and provide me with their license numbers and Registered Agent within 30 days. 
In response ATG Credit , llc. sent a repeat request on XX/XX/XXXX with none of the requested information. Just a list of billed labs. 
I should also mention that after the statement from XXXX was received XXXX XXXX XXXX never sent any further communication. XXXX XXXX XXXX told me their contract with XXXX XXXX XXXX states they accept payment of whatever allowable charges are paid.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home y on the way Please remove unauthorized inquiries & accounts from my credit report As soon as possible please see attached.
Product: Credit card or prepaid card

I have lost my Wells Fargo XXXX XXXX XXXX Credit card on or about XXXX/XXXX/XXXX. I was not able to found out about the card being lost/stolen until XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. I called and reported my card being lost with all the fraud activities. There were hundreds of fraud activities on my card from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX totaling almost XXXX The reason why I was n't able to notice it for so long is because I was a victim of XXXX XXXX and my house got flooded. I had to stay at my friend 's house for couple of days. Then I got really busy with work, home insurance, contractors and fixing my house. 
After few days after I reported my card being lost I have received a letter from Wells Fargo stating that my claim has been denied because there was a transaction made after I reported the card lost/stolen. I Do not agree with the decision as there is n't any transaction after I have reported my card lost/stolen and if there is any I am totally unaware of it. There might be a possibility that the transaction was made earlier but posted by merchant later. I called Wells Fargo and I was told that one of the transaction was approved by my phone thru text message. I am unaware of that and I did not approve any transaction. I was at my friends house then I moved to hotel as well, any one can have access to my phone. 
All of the transactions that were made from XXXX XXXX, XXXX thru XXXX XXXX, XXXX are fraud and were not authorized by me. I would like to request the proof or documents of the investigations. Also, I would like to request to re-open and reinvestigate this claim as this is not fair with me to be reliable of paying for such a big amount which I never made transactions of. I am not willing to pay a penny towards these fraud charges as I never authorized those transactions. 
I will be reporting this fraud to all the credit bureaus. I truly believe that Wells Fargo employees still putting their customer 's identity on sake and not what they suppose to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to report account open fraudulently in my credit report on Equifax and I send the Identity theft report, and they still reporter. I ask for the method of investigation they use and they don't comply. They violated my right.
Product: Credit reporting or other personal consumer reports

I Originally sent a Notorized Affidavit via Certified mail to the 3 credit bureaus for Violations According to the Fair Credit Reporting Act, 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax, XXXX and XXXX  are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was notified of a hard inquiry that was not authorized by me. I have been told that they are not able to provide anything to me nor will they notify the credit bureau that this is fraud. I have disputed this with Equifax without success, and an investigation that Equifax says may take up to 30 days, turns around in less than 24 hours as closed without acknowledging or removing the fraud.
Product: Checking or savings account

To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The Chexsystem. It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the credit reporting agencies ( XXXX, XXXX, XXXX  ) except TransUnion have removed a student loan that was full of fraud until it was finally approved for XXXX Discharge in 2013 and closed. TransUnion refuses to delete or remove the loan. They also continue to re-post a phone number disconnected 3 years ago. 

How can I get TransUnion to remove the student loan, an old disconnected phone number, and old addresses? All of the other credit reporting agencies have done this voluntarily.