23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has come to my attention that my credit with you may have been compromised. Despite submitting an FTC fraud report # XXXX, it appears that you have failed to remove items from my credit file. As a victim of identity theft, I am once again requesting the removal of inquiries resulting from alleged identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove such items within four business days after XXXX XXXX XXXX. This issue was previously raised in my complaint and is reiterated here alongside my new FTC report # XXXX. Additionally, the information provided regarding these inquiries is unfamiliar to me and has already been removed by other bureaus, casting doubt on its accuracy. Please remove the following inquiries resulting from alleged identity theft : -- -- -- -- EXPERIAN : 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. Failure to remove these listed inquiries will result in legal action. My attorney is fully aware of my intentions and is prepared to hold you accountable for noncompliance. This serves as a final warning.
Product: Debt collection

My name is XXXX XXXX former XXXX ( XXXX ). I would like to file a complaint against Capital One for damaging my credit report. Account number belongs to my XXXX XXXX XXXX XXXX to whom I've been divorced from since XX/XX/2019. Apparently, I might have been an authorized user of his card, but this has never been my account. I am not the owner I have made several attempts to Capital One to resolve this issue and I was told that they can not communicate with me because I'm not the owner of the account. Please have Capital One remove this from my credit as it is damaging my future use of my credit and it's a liability to my future endeavors.
Product: Checking or savings account

While this complaint pertains to the Monthly Service Fee I was charged on my Checking Account with Wells Fargo, it has more to do with the lack of warning and notification of the service fee that I was charged. I currently have, through the Wells Fargo Mobile application on my XXXX, notifications on any and all activity within my Checking Account. Every time a Deposit/Charge or Withdrawal/Debit is posted to my account, I get a push notification sent directly to my XXXX. I have this set up as this is not my main account, and I like to be aware of all activity within the account. On XX/XX/2019, I logged into my Wells Fargo account on the mobile application and was shocked to see a Withdrawal/Debit charge of {$14.00} related to a Monthly Service Fee that occurred by on XX/XX/2019. Had I not logged into the rarely used account, I would have never known of this charge, and would have been continued to be charged a monthly service fee each month after. The lack of communication related to this monthly service fee is completely unacceptable. I never, at any point, received any push notification or email noting that I would be charged or that I had been charged. I have two other Wells Fargo accounts, with enough funds in them to cover their arbitrary minimum balance requirement, that had I been notified ahead of time I could have transferred funds and been able to avoid the service fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had the same problem occur for the last  two  months. Collection agency  XXXX   XXXX  has repeatedly added an account on my credit report with incorrect statuses, balances etc. Even after having the account deleted, they add it back with more incorrect data every month causing a large reduction in my credit scores for   XXXX   and Transunion. Then afterwards it gets removed again only for it to show up again dropping my credit scores without prior notice or with correct data. I have called the credit bureaus and  XXXX   XXXX  concerning this issue and they are unwilling to fix the problem. This account has been removed and should not be added every month.
Product: Checking or savings account

On XX/XX/XXXX when I closed this IRA account Bank United NA sent a check to me for {$210000.00}, payable only to XXXX XXXX the IRA custodian for the benefit of me. The check was supposedly delivered by XXXX on XX/XX/XXXX to my home. I NEVER received the check. 

Bank United has since refused to issue a 'stop payment ' on the check and reissue a new check. They required that I submit a notarized Affidavit ( sent XXXX ) and a sheriffs report ( sent XX/XX/XXXX )- which I did and they confirmed receipt of. 

As of today ( XX/XX/XXXX ) they still refuse to issue a new check and they have not even indicated they intend to ever reissue a new check. The check can only be cashed by XXXX XXXX for the benefit of my IRA and XXXX has not received any deposits from me since XX/XX/XXXX. I'm XXXX XXXX XXXX and have lost the income from my IRA due to Bank United 's holding my money hostage which is causing me a serious financial hardship.
Product: Student loan

I sent in XXXX checks to Wells Fargo Educational Financial Services. They only cashed XXXX check and when I called to ask about the status of XXXX check they were less than helpful. The first lady that i spoke to first blamed me for putting XXXX checks into the same envelope.Then after a few minutes of that blame-game, she blamed me saying that i sent the XXXX check to the wrong address ( which is impossible because they were XXXX in the SAME envelope ). I told her how they were XXXX in the same envelope and she continued to blame me. When i asked her how Wells Fargo was going to fix their error all she could respond was " I Do n't Know, maybe put a stop payment on your check and send in a new one TO THE CORRECT ADDRESS ''. So i ended the phone call with her and called my bank to start the process of doing a stop payment. Only problem is it is {$25.00} fee for a stop payment. It was upsetting that Wells Fargo wanted me to spend {$25.00} dollars because of their error, it was unacceptable. I called Wells Fargo back to speak to another representative about how the problem will be handled and if Wells Fargo does reimbursements for doing a stop payment.The second rep was a lady named XXXX, she could not find my check either. She then spoke to her manager and let me know that they have a " Mail opening machine '' and " It is not common, but also not unheard of that the machine will remove multiple checks, scan one in and then shred everything in the envelope, leaving no trace of the XXXX check ''. Which means that you have no way of proving to them that you made your payment on time or even early. I think it is very irresponsible of them to lose a check because they penalize and give late fees for their error. In the long run this could affect your credit score, the minimum payments remaining and just a terrible situation.
Product: Debt or credit management

I paid a member membership fee to Lexington Law in XXXX through XXXX in my credit was never repaired or fixed. I paid about {$700.00} fees.
Product: Checking or savings account

My account kept getting charged and hacked. Wells Fargo took 90 days to investigate. Gave me another account and card and it started again.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account number : # XXXX Address:XXXX XXXX XXXX  XXXX XXXX Tx, XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Address : XXXX XXXX XXXX XXXX, WA XXXX, Account Name XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX Address:XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Address : XXXX XXXX XXXX XXXX, Tx XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX, UT XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Account Name : The XXXX XXXX XXXX Account Number XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IA XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX. Account XXXX : XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. 
The Fair Credit ReportingAct this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred about XXXX Bitcoin cash ( BCH ) from my another account to XXXX. At XXXX XX/XX/XXXX, Coinbase showed that transfer has been completed from Coinbase to XXXX. However, till now (XX/XX/XXXX ), XXXX has n't show the XXXXBch. 

I have submitted the ticket and the guy just keep telling me they are working on that but there is zero update.. and the attitude was terrible. I lost XXXXBCH now/ ( Worth about $ 30K!!!! )
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCES WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

BACK IN 2018, I WAS CONTACTED BY XXXX XXXX REGARDING A DEBT OWED TO ANOTHER CREDITOR, THE DEBT HAS BEEN PAID, YET THE COLLECTION COMPANY IS TILL APPEARING ON MY CREDIT FILES AS A NEGATIVE IMPACT.
Product: Payday loan, title loan, or personal loan

THIS ACCOUNT WAS INCLUDED IN A BANKRUPTCY CHAPTER XXXX CONVERTED TO A CHAPTER XXXX CASE FILING XXXX. THE ACCOUNT WAS A JOINT ACCOUNT UNDER XXXX XXXX & XXXX XXXX. THIS ACCOUNT SHOULD BE IMMEDIATELY REMOVED FROM MY CREDIT FILE AS WE HAVE BEEN PROTECTED UNDER THE FEDERAL BANKRUPTCY LAWS.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX @ XXXX Employee XXXX XXXX XXXX XXXX ID XXXX ) at a XXXX XXXXXXXX XXXX changed my security question without authorization- fraudulently. This changed allowed for future fraudulent access to my account. 

XXXX phone number XXXX XXXX @ approximately XXXX SIM card was swapped and accessed was gained to other personal accounts and passwords. 

XX/XX/28 @ XXXX Coinbase account was fraudulently accessed and {$170000.00} worth of funds were stolen. 

XXXX XXXX refuses to release information about which store the security change occurred at. 

Coinbase has not responded to concerns about stolen funds.
Product: Checking or savings account

XX/XX/2023 I received email to verify my email address with Bank of America XX/XX/2023 I received email stating my application was denied by Bank of America for a SafeBalance Account - under name of XXXX XX/XX/2023  I received email to verify my email address with Bank of America XX/XX/2023 I received email that my " application '' was being processed with Bank of America under my name XX/XX/2023 I received email stating my application was approved with Bank of America under my name XX/XX/2023 I received email welcoming me to Online Banking with Bank of America under my name XX/XX/2023 I received email to verify my email address with Bank of America. 

I in my almost 50 years have never had a Bank of America account, credit card, loan, etc. I have never banked with them and never applied for anything with them. 

I called Bank of America fraud department- they say they can not do anything because I will not supply them my social security number. Bank of America supplied me via email with an application confirmation number and the last six digits of an account number and they are saying they can't do anything without a social?? I will not give them my social, it's a fraud case to begin with.
Product: Money transfer, virtual currency, or money service

My complain is about my account been blocked. 
I am facing challenges with my bitcoin wallet. 
I accidentally sent bitcoin to a wrong address. 
The company this complain is about coin base. 
The us coinbase are the people involved.
Product: Payday loan, title loan, personal loan, or advance loan

Klarna is refusing to turn off my autopay. I have requested it through chat. They've said it is required by Terms and Conditions. I informed them they legally have to allow me to revoke XXXX authorization, that even though it doesn't absolve me of the debt, I have the right to turn it off and deal with the consequences. He continued to double down. 

The rep 's name was XXXX and he did not listen and would not get me to a supervisor. I am afraid they are going to debit me and that I won't be able to buy food for the rest of the month. They know what the law is and they are telling their agents to lie and say it's not possible. I'm trying to contact my bank but they are refusing to allow me to turn this off.
Product: Checking or savings account

On XX/XX/XXXX, I received two charges from XXXX and one from XXXX to my Santander bank account. All three of these charges were unauthorized. 

The XXXX charges were as follows : XX/XX/XXXX XXXX XXXX /XXXX  XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX /XXXX XXXX XXXXXXXX XXXX XXXX {$1300.00} I did not shop at XXXX on this day and I had not shopped there in a long time, I have also switched bank account type and debit cards multiple times since I had last shopped there. XXXX 's data was breached in XXXX multiple times causing my account to be hacked and I received charges from them last year and early this year, in XXXX. I reported this to my financial institution and had the charges reversed and received new debit cards. Miraculously on XX/XX/XXXX there are additional unauthorized charges from them and they refuse to reverse them. 

I also received a charge on my XXXX  account which had the same information as the XXXX account that was hacked. Thankfully, I was able to return the products to XXXX when they arrived at my house. I filed a dispute for this transaction and it was also denied by my bank. Here is the XXXX charge below. 

XX/XX/XXXX XXXX XXXX /OR XXXX XXXXXXXX PURCHASE - {$2800.00} As a result my account is overdrawn, and now my account is due for closure.
Product: Checking or savings account

On  XXXX   XXXX ,  XXXX  my mother  XXXX   XXXX   XXXX  died. At the time of her death her personal assets were held in the  XXXX   XXXX   XXXX   Revocable Trust  and this trust was managed by her. In the event of her death the  XXXX   XXXX   XXXX   Revocable Trust  named myself, her son,  XXXX   XXXX   XXXX  as successor trustee. As successor trustee of the revocable trust I am authorized to handle all of her assets of that trust including collecting payments and operating her bank account for the benefit of her beneficiaries and creditors. I attempted at the local branch of  Huntington National B ank to withdraw the funds presenting them a copy of the trust ; they refused to acknowledge the trust and froze the checking account At the time I had no problem with this decision and busied myself with my mothers affair.   At a date approximately 45 days later, I became aware that my mother had a savings account and that the total amounts in both accounts held by  Huntington Ban k were in exess of  XXXX , I again presented the appropriate documentation and Huntington Bank again refused to acknowledge the lawful exercise of my rights as successor trustee.   I was told that only when an executor was appointed  by Probate Court would the funds be released. Under Ohio Law I am under no obligation to file in probate court given the existence of the revocable trust. The trust qualifies as an estate and the successor trustee as executor. We opted for the revocable ttrust because a t the time of my father 's demise, predatory financiers attempted to defraud my mother of her property and we embroiled in costly litigation and criminal investigations for 5 years.   I then drafted a letter to the  Legal Department of Huntington National bank outlying my concerns and requesting that if they did not comply with my request, to  give me just cause in writing. When after approximatel y 3 wee ks, I had not heard from them, I resent the second letter and it too was ignored.   I contacted the  XXXX   XXXX  of Huntington Bank on  XXXX   XXXX  of  XXXX  and requested to be put in contact with their legal department. The personnel refused to honor my request and claimed it was the bank 's policy not to give out the phone numbers of their legal department. huntington has unlawfully closed to m e every avenue of acces s to collect the funds.   I have a lawful right to have my position as successor trustee of the  XXXX   XXXX   XXXX  Revocable Trust acknowledged as executor of the estate created by that trust or be given a response in wr iting why Huntington Bank refuses to do so Any help you can give me I this regard would be appreciated. Enclosed is copy of the letter sent to Huntington.
Product: Debt collection

This debt collector keeps sending me collection notices and I already settled this debt. This was XXXX equipment that was returned years ago and therefore, I DO NOT owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX , I checked on my credit report and saw reports in my payment history for this accounts XXXX  XXXX XXXX {$320.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} I paid this accounts on time, I demand you to fix this error immediately.
Product: Debt collection

A garnishment attached to my payroll check in XX/XX/XXXX and paid in full in XX/XX/XXXX based on the payroll record. The attorney ( XXXX XXXX XXXX ) reinstated the garnishment XX/XX/XXXX stating he never received all of the payments. He stated that payments were only made to him up until XX/XX/XXXX. My employer ( XXXX ) has not provided requested information showing me who the payments were made to and when. The attorney refuses to go to the courthouse to check to see if the payments are there and have not been applied. He stated he checked the electronic records and they were not there and the only way to know if there were received and not applied ( which he said the court does ) was to go to the courthouse. I asked him how soon he would be going to the courthouse and his reply was " not for 3 or 4 months ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the Bureaus over the phone and in writing since XX/XX/2017 to remove inaccurate information from my credit file as it is hurting my credit and I am unable to secure a job in the XXXX XXXX due to the inaccurate information being reported. I keep getting the run around and no where with the bureaus. They keep updating information that is not mine or does not pertain to me even after I have sent them documentation showing who I am.
Product: Credit card or prepaid card

American Express cancelled my credit account because of security concerns they said. They said they told me to verify the charges which I did through app before I stopped using their app and was paying of my debt through my debit account. They cancelled it by saying they asked me to verify the charges in 15 days but I never received a e-mail or mail stating I need to take action. My history has badly been affected and I am not in the position to pay off my whole debt Without using credit card at sometimes. I am a student and I really want XXXX to reactivate my account. thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed three accounts, as well as several hard inquiries, that I do not recognize. Please note that some of these accounts appear only on specific bureaus ' reports, and not all accounts show up across all three bureaus. 

I kindly request that you investigate these discrepancies and delete any of the mentioned accounts or inquiries if they are found in your bureau 's report. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 


( the hard inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX