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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX  XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX  XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Vehicle loan or lease

I bought a car on XX/XX/XXXX and it was financed thru Wells Fargo Dealer Services for 66 months with the first payment beginning on XX/XX/XXXX. The ORIGINAL maturity date would have been XX/XX/XXXX however I had 3 deferred payments, not in a row, and at time of each deferment, I had to pay an interest fee. I also received paperwork each time which extended MATURITY date by one month with the FINAL MATURITY DATE being XX/XX/XXXX which is 3 months from the ORIGINAL MATURITY date. I have ALL paperwork documenting deferments, vehicle contract, etc. I made my last payment and have been patiently waiting for my title. Imagine my surprise last Monday, XX/XX/XXXX, when Wells Fargo called to say I was 22 days late with my XXXX  payment!!! I explained to the customer service rep that I had made all 66 payments therefore no longer owed any additional payments. This is when the chaos really begins. She insisted I owed 3 MORE payments!!! I asked to speak to her supervisor, XXXX, she also said that the account was past due but she had a different figure. The next several people we spoke with - all had different figures but nobody could come up with WHY or where their figures were coming from. We spoke to XXXX, a Supervisor in the ( XXXX ) area code who counted the payments while we were on the phone and acknowledged that YES, all 66 payments had been made so he did not understand what was going on with the account and suggested we call the Office of the President. And it really got worse from here. XXXX from the Office of the President opened up a complaint for us and she was awful. She insisted that my original MATURITY date was XX/XX/XXXX and add the 3 months deferred to that and that 's where the money I owe is coming from. It 's basic math. XX/XX/XXXX to XX/XX/XXXX is 66 months. Add 3 months. You get XX/XX/XXXX - not XX/XX/XXXX. Plus I have record of all 66 payments so here I am - no car title ; Wells Fargo steadily calling me every day saying I owe them money but not one person in that company can really explain how they got to this even when asked how it is I 've paid 66 payments and 3 more payments makes 69 and not to mention what this is doing to my credit score. I have a daughter in her XXXX XXXX at XXXX XXXX who relies on me for Government loans and if my credit is steadily being ruined, then I can not quality for her loans. Please help me. This is beyond ridiculous. Wells Fargo Dealer Services HAS GOT to be held accountable at some point.
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 - {$8700.00} HAS VIOLATED MY RIGHTS UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXXXX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX A XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  XX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Multiple unauthorized inquiries were made on my credit report within a single day. I have duly notified TransUnion of this discrepancy ; however, a resolution has yet to be reached. In light of this, I attach the report filed with the Federal Trade Commission for identity theft and respectfully request that all unauthorized inquiries be removed from my credit report with utmost haste. I express my deep appreciation for your prompt attention to this matter.
Product: Mortgage

Nation star has increased my escrow by {$60.00} so I will have excess in my escrow account. I refused to pay over my payment amount. I have made all my payments on time since I 've had this loan. This loan is a modification due to the fact I am XXXX. According to their paper work they sent me. I am paying the proper amount of escrow. {$140.00} that covers the amount of tax and ins. XXXX. I received a phone call from Nation Star not a notice. That they have suspended my account and if I did not make the payment it could result in forcloser. I do n't understand how they can force me to pay over my escrow amount that I do not owe. Then foreclose on my home because I will not. I am XXXX and I am on a fixed income. From reading the comments about these practices it looks like this organization looks for people like me. From what I understand this practise is used to let the individual not make XXXX payments then start forecloser procedings. The person owing the money does not have the funds to pay the jacked up charges so Nationstar forcloses on the home. They are looking for homes with equity that they can turn over. I hope this is not true. I still want to believe businesses are honest. Thank you for your time.
Product: Credit card or prepaid card

This is not about the denial itself, but rather due to Synchrony 's refusal to provide a reason for the denial except via mail and making the problem worse by saying that the only way to submit a complaint about the practice is to mail a letter to their corporate office located in Florida. I submitted an application for credit via an offer from a local flooring company and was told by Synchrony that the application was denied, yet they refused to tell me why. Synchrony kept telling me that a letter would be mailed to explain the reason for denial. When I told them that other financial institutions like XXXX XXXX and XXXX XXXX at least tell you the reason why so you can quickly cure it ( if possible ), they just kept telling me sorry but a letter would be coming. 

This is honestly the first time this has ever happened where I have been denied credit and the institution has refused to say why. It could have been due to reasons like my credit not being properly unfrozen ( which is a separate issue where the three credit bureaus often do not properly flag accounts as unfrozen ), too many recent inquiries due to a property purchase, or insufficient income ( even though the application listed {$140000.00} and could have been cured by adding my spouse 's income as well ). I feel that a bank that makes billions in revenue refusing to even tell why an application was denied is disrespectful. 

In addition, I wanted to file a complaint to have the bank look into this and see whether the practices could be changed or whether protocols were being adhered to and was told that I had to mail a letter to XXXX XXXX XXXX in XXXX, Florida. I am not sure if even this is legal since it seems like an attempt to reduce the number of reportable complaints. 

Either way, Synchrony seems like a company that only cares about itself and the salaries of its CEO and Board of Directors rather than its customers or potential customers. I would like to reiterate that the supervisor I talked to was considerate and professional. My issue is not with any of the employees, but rather this corporation.
Product: Checking or savings account

This is another complaint regarding abusive fee practices by PNC Bank. I have been told them not to push thru payments when there is no enough money in the account. PNC keep doing it. They did it again on XXXX/XXXX/XXXX. I got an overdraft fee for {$36.00}. My paycheck is still not clear in the account, although it was supposed to show on XXXX/XXXX/XXXX. PNC is holding the payment transfer so they can charge fees again. 

I am concerned that with the new direction of the CFPB, consumers are going to be screwed again like we were before the agency was created. 

I would like the overdraft fees ( I had another overdraft that needs to be reversed from XXXX ) reversed. 

They are already charging a maintenance fee of {$15.00} every month, which I found abusive. 

I want these matters resolved, fees reversed. 

Sincerely,
Product: Mortgage

In XXXX, 2018, Seterus, Inc. sent me another repayment plan. I have made two payments as required by the that plan. However, Seterus, Inc. sent an intent to foreclose even though I made the required payments according to the repayment plan. The intent to foreclose claims that I owe over {$4000.00}, but when I received my XXXX bill for the next mortgage payment, the XXXX bill shows I owe a little over {$3.00}, XXXX. The {$2000.00}. I have made numerous complaints to Seterus, Inc. about sending me repayment plans the its refusal to comply to policy/rules set forth in its own plans! I ask that CFPB investigate the actions of Seterus , Inc .
Product: Checking or savings account

I made a payment to XXXX using my checking account with SunTrust for $ XXXX XXXX, 2019. SunTrust reversed the payment to XXXX which resulted in a {$27.00} return check fee added to my balance. SunTrust reversed the payment without my consent or knowledge. I requested SunTrust to return payment but it refused. 

XX/XX/2019 XXXX XXXX Denied Balance Payment Loading transaction details for XXXX XXXX Denied Balance Payment -  negative {$27.00}
Product: Credit card

I was not only sent a defective product from a company, that company cnaceled the rest of my order and never shipped it after I filed a dispute.
Product: Debt collection

XX/XX/3 tried to settle a XXXX debt with an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collecting for Midland Credit managment XXXX who was collecting for XXXX XXXX  I am not working nor do i have savings, my husband offered an settlement on the account and they would not settle prior to a court date of XXXX my hardship is due to XXXX and we offered what we could reasonably afford. they are deliberately trying to sabotage my credit by refusing to negotiate in good faith. I pray you help me get them to accept a reasonable settlement offer on such a low amount owed.
Product: Debt collection

calling family members about a very old debt, and telling them, they are looking for me and if they do n't serve me papers I will have a warrant for my arrest. old credit card debt from years ago.
Product: Payday loan, title loan, personal loan, or advance loan

Company will not provide XXXX as this is a charged off debt. Company sent a XXXX which is incorrect as this is not a an account where stocks, bonds, or other securities were exchanged. Will be submitting a XXXX form to the irs to have company audited for fraud.
Product: Debt collection

This Third party Debt collector agency DIVERSIFIED ADJUSTMENT has bought my personal information or was given my personal information WITHOUT my consent! I do not owe this company, never had dealings with this company what so ever. This is a violation under the FDCPA as I didnt give permission for XXXX to sell my personal information. This is a form of identity theft.
Product: Credit card

I initiated a balance transfer through Chase Credit Cards in the amount of {$3500.00}, from an XXXX XXXX XXXX credit card to a Chase credit card. The transfer posted to my Chase account on XX/XX/24. However, XXXX XXXX XXXX XXXX claims that Chase did not release the funds to them. I submitted case with Chase however they were not able to identify if the funds were sent to XXXX XXXX XXXX XXXX. I am getting charged late fees at XXXX XXXX XXXX XXXX due to Chase 's negligence. 
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Product: Credit card or prepaid card

My American Express Bluebird card had prepaid balance of XXXX. I asked them to transfer the money to my bank account on XX/XX/XXXX. As of XX/XX/XXXX, they have still have not transferred the funds. I have done this in the past and it usually takes 1 or 2 days. I have made numerous calls to customer service, only to be told they are having technical issues and it will be resolved tomorrow. As of XX/XX/XXXX I was told it would be the XX/XX/XXXX at the earliest. I asked them if they would just credit the money back to the card to be told they can not do that. Finally I asked to be sent to customer service in the United States, they told me they can not do that and then put me on hold to be left there for 2 hours with no one answering the call. I then called back to a different customer service rep to go through the whole situation again.
Product: Credit reporting or other personal consumer reports

XXXX is violating my consumer rights. They are fraudulently letting WC/KOALAFI management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my XXXX of XXXX website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and XXXX to the IRS filling out form XXXX A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS. I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that WC/KOALAFI isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that WC/KOALAFI pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX and I included it again. Kindly update or correct the following items : 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 XXXX XXXX XXXX
Product: Checking or savings account

I just opened a new checking account with Bank of the West on XX/XX/21. I funded the account by transferring {$1000.00} from my XXXX checking account on XX/XX/21. The only transactions that have posted to this account ( aside from the {$1000.00} deposit ) were {$1.00} or less, to establish links to my accounts at other institutions, including XXXX and XXXX XXXX XXXX. 

On XX/XX/21, I received the following email from the bank : " Dear Customer, We detected unusual login activity on your Bank of the West account and have temporarily XXXX online access to protect your information. '' I called the indicated phone number to inquire as to what was going on. The agent informed me that my account had been flagged as deposit only, no withdrawals allowed. He further informed me that no reason had been given in the notes and that I needed to call or visit the main XXXX XXXX branch for further assistance. 

At XXXX on XX/XX/21, I called the main XXXX XXXX branch and spoke with XXXX XXXX to see what was going on with my account. XXXX XXXX indicated the account had actually been locked down by another department at the bank - not the branch. She said she would need to make a few phone calls and would get back to me. I did not hear from her, so I called back for her the following day at XXXX. I left a message for her to call me back with the status of her inquiries. She did not respond. 

Bank of the West clearly has some problem with my account but they have failed to inform me what the problem is and how to resolve it. This is terrible customer service and I am quite surprised such a good company would provide such an awful experience. 

Thanks for your assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX Subject : Formal Complaint Against XXXX XXXX for Unauthorized Credit Inquiry To Whom It May Concern, I am filing a formal complaint regarding an unauthorized hard inquiry on my credit report initiated by XXXX XXXX XXXX XX/XX/XXXX. This inquiry was conducted without my consent or any permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ). 

Description of the Issue : On XX/XX/XXXX, XXXX XXXX accessed my credit report without my authorization. Under the FCRA, specifically 15 U.S.C. 1681b, a consumers credit report can only be accessed for permissible purposes, which require express written consent from the consumer. At no time did I provide such consent to XXXX XXXX, nor did I engage in any business transaction that would justify this inquiry. 

Impact on Me : The unauthorized inquiry has caused the following harm : 1. Negative impact on my credit score, which could affect my ability to obtain credit or favorable terms. 
XXXX. Unnecessary financial stress, as I have had to address this matter and dispute the inquiry. 

Resolution Sought : I respectfully request the CFPBs assistance in the following : 1. Investigate this unauthorized hard inquiry made by XXXX XXXX XXXX XX/XX/XXXX. 
2. Require XXXX XXXX to remove this inquiry from my credit report immediately. 
3. Ensure XXXX XXXX complies with federal laws and provides written confirmation of the removal and corrective actions taken. 

XXXX XXXX actions are in direct violation of my rights under the FCRA, and despite my attempts to address this issue directly, no resolution has been provided. 

I trust the CFPB will investigate thoroughly and take the necessary steps to protect my rights as a consumer. Thank you for your attention to this serious matter. 

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

Four weeks ago I made a 4 day trip to XXXX and used the wifi at a hotel to check BTC ticker in the Coinbase app. I returned home ( US ) on XXXX XXXX, and when I tried to login to Coinbase I got this message : -- -- -- -- -- - We have reason to believe you reside in a country in which Coinbase is prohibited by law from doing business ( XXXX ) per the sanctions imposed by the U.S. Treasury Department 's Office of Foreign Assets Control. As a result, weve unfortunately had to close your Coinbase account. If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us at XXXX immediately and provide us with a copy of a photo ID and proof of your current address. If your account has a balance you will need to contact the U.S. Treasury Department to request permission to access your funds. -- -- -- -- -- -- I have a balance over XXXX in their account, and need access to my funds. I have contacted them multiple times since then, over multiple channels ( XXXX, social media, email, XXXX ), and sent the required information to prove my address with a valid id, etc, and I have gotten no response from them. I found this thread, which was someone with the very same issue, and they got it resolved within two weeks of contacting support : XXXX XXXX  XXXX It 's been 24 days of my account being blocked, and I have heard nothing from Coinbase. There 's no phone number, no chat, nobody to talk to. I have already reached out to the CEO @ XXXX, and various members of their team, to no avail or response. It 's like they evaporated from the face of the earth. I can not understand a bank holding substantial funds for its customers that do not answer support request, which forces me to believe they are a fraud now.
Product: Checking or savings account

Malvern Nation bank and us bank in Malvern both closed my account without notifying me of that and then us bank tells me I owe them XXXX and Malvern national XXXX I have told them I was expecting money from XXXX that it would take care of it still haven't received my money because of this as well please help me get this taken care of