23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello my name is XXXX XXXX I live in XXXX XXXX North Carolina. I am a XXXX XXXX I do XXXX work I offer my services in North Carolina and also in XXXX NY. Back in XX/XX/XXXX I came to Bank of America to do a wireless transaction of XXXX this was my first time doing a wireless transaction. One male took the whole information and help me with the transaction he gave me a receipt to make sure everything was right and I noticed that he messed up the amount he put XXXX on the transaction instead of XXXX. Which I immediately told him to cancel the transaction because they mess up the amount and I was coming back home the next day so I will try to do it in NC. He contact his manager XXXX because he was unable to get in the system to do it so I talk to her and told her about my situation i was far away from home so instead of changing the amount I would love to have it cancel. She agreed and she told me that she will do that right away. After a week a call her and email her and she did not respond to me I send my worker XXXX XXXX to her office so he can ask her how much longer should I wait to have the money back on my account and she told him 30 days. In XXXX I fly to XXXX to ask her again why the money was not on my account yet, which she told me it can took more than 3 months to be there she gave me one more page where it said it was Bank of America fault. Today is XX/XX/XXXX I had call her and email her and her last email was that I need to call customer service regarding that transaction. At this point I do not know what to do that money is for my business taxes I work hard very hard and now she is not giving me an answer. 
really need help.
Product: Credit card or prepaid card

We ( my wife and I ) have both completed the opt-out at XXXX XXXX XXXX/ over 90 days ago yet Capital One keeps sending us credit card offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX XXXX XXXX XXXX and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. There are four auto loan accounts missing from the year of XX/XX/XXXX-XX/XX/XXXX. Two are Nissan Motor Acceptance Corp accounts. One was a used vehicle under {$15000.00} purchased approximately XX/XX/XXXX and the other was a new vehicle purchased in XX/XX/XXXX. The other two vehicles were purchased in the XXXX XXXX, VA area from the same car dealership. Both were new vehicles. However, one of those vehicles was leased and the vehicle was in possession for four years, which was the leasing term, then traded in on the XX/XX/XXXX vehicle with NMAC. The two vehicles purchased in XXXX XXXX, VA were purchased between XX/XX/XXXX-XX/XX/XXXX and then in XX/XX/XXXX. One or more other lender ( s ) may be XXXX or XXXX XXXX XXXX and/or XXXX XXXX or XXXX XXXX XXXX. 


Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. Cashapp also failed to perform adequate way to prevent fraud and and address on their platform. These actions have caused financial loss and significant inconvenience.
Product: Prepaid card

I got a email from Cash App civil process stating that they had hey get a request for them to put a hold on my account I had called the department of Tennessee revenue service this morning XX/XX/XXXX  at at XXXX XXXX  and they proceeded to tell me that they had since they release in the middle of this month for them to take a hold off my account, and they still havent done so they said my account has been suspended due to a suspicious activity there was no suspicious activity. They took my {$98.00} and I havent heard nothing from them since they keep saying that theyre going to send someone to talk to me I get someone to reach out to me and nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Re Account : XXXX Discover Bank listing negative to the three major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. The reports are inaccurate. I have contacted Discover via certified mailed, discover failed to produce any supporting doc. NO doc received from Discover.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX ID XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX THIS NOTICE SHOULD NOT BE ON MY CREDIT REPORT ; ATTACHED IS MY SSN GIVEN BY THE GOVERNEMNT The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration.

Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Product: Debt collection

From : 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 is a debt collector. We are trying to collect a debt that you owe to XXXXXXXX XXXX XXXX XXXXXXXX We will use any information you give us to help collect the debt. 
Our Information Shows : Account Number : XXXX As of XXXX  you owed : {$2800.00} Between XXXX and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$2800.00} This email came to me and after taking time and effort with the XXXX XXXX office it was determined that this collection effort was started before the billing was submitted to my secondary insurer. I simply requested that they give me a release and stop the collection efforts of course. They did nothing to alleviate my concern that this problem was going to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not give written consent to U Drive Acceptance to obtain my XXXX credit report on XXXX. I did not ever apply for credit with U Drive Acceptance.
Product: Debt collection

My whole identity and information was and has been comprised for years and I found out this XXXX and have been actively trying to reach out to multiple banks to close these accounts as well as remove the fraudulent information from my credit. I contacted discover in XXXX and they had closed the fradulent accoutlnt and it was removed from my credit for a month but they put in back. The fradulent activity was already proved to not me mine and it should be removed permanently.
Product: Checking or savings account

Hello, I wouldnlike to submit a grievance regarding the misconduct of XXXX supervisors XXXX behavior today. Around XXXX XXXX  i called XXXXavy Federal regarding {$130.00} being transferred wothout my authorization for transcations that were already paid for. When askjng the supervisor to escalate the incident, he refused and insulted my XXXX  as well as my XXXX. I spoke to XXXX anither supervisor regaridng this and she said that she would have the phone call and conduct of the agent reviewed and my claim was escalated. At XXXX, expecting this to be a resolution to the money being transferred without my authorization. I got a call from supervisor XXXX reprimanding me regarding the phone call where the agent was disrespectful to me. She was very rude, tried to provoke me with disrespect and ignored my XXXX XXXX as well as banking needs. I would like this phone call reviewed and a solition update in writing. I would also like my claim regarding unauthorized transfers reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$8000.00} Date OpenedXX/XX/XXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance reporting wrong address and accounts
Product: Debt collection

I was told by XXXX of XXXX XXXX, that they would work with me to get my collections issue off my report on XX/XX/2018. I was asked to send in paperwork, and I sent in the proper paperwork. As soon as I sent in the paperwork XXXX XXXX XXXX XXXX avoided my calls, and not responding to emails.
Product: Vehicle loan or lease

It has come to my attention that XXXX XXXX XXXX, XXXX have violated my rights as a consumer. Before I go forward, I want to be clear any violations under Title 15 make contract null and void & will stand in federal court. On XX/XX/2021, I did a consumer credit transaction with XXXX XXXX dealership and extended my credit with a finance charge through Capital One Auto Finance. I'm the original creditor extending my credit using my credit card ( XXXX XXXX ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. Mind you the finance charge is a total of {$12000.00} exact but this dealership and XXXX XXXX gave me a total sale price of {$44000.00} ( see attachment for Exhibit A ). That is a total of {$32000.00} charged over the sum of all charges which is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). 

I the consumer was violated pursuant to 15 USC 1662 ( 2 ) advertising a down payment of {$5000.00}. Proof is in exhibit A. 

Pursuant to 15 USC 1605 ( c ) property damage & liability insurance premiums must be included in the finance charge. Proof is in Exhibit B. 

Pursuant to 15 USC 1611 ( 3 ) that is a criminal crime. XXXX willingly and knowingly provided false & inaccurate information because these laws are public. Ignorance of the law is no excuse. The responsible party shall be fined not more than {$5000.00} or imprisoned not more than one year, or BOTH!! 

The company failed to disclose my right to rescind pursuant 15 USC 1635 ( a ). Proof is in Exhibit A-E. Failing to do so will be charged double the finance charge. 

Sadly, this is fraud, so this contract is now void. 

CEASE AND DESIST ALL COMMUNICATION UNLESS IT IS TO CURE MY REMEDY.
Product: Money transfer, virtual currency, or money service

I received a text form Coinbase at XXXXXXXX XXXX on XX/XX/2021 saying my account password has been changed and if i didnt initiate this to call and lock the account immediately. I called immediately to lock the account. I could not get a hold of anyone and their automated account locking system did not work. I also sent in at least 5 emails to lock my account. I never received any notice that my account was locked, nor was it locked because I couldnt talk to anyone at the company. On XX/XX/2021 I had {$10000.00} withdrawn from my XXXX  XXXX XXXX account to go to Coinbase. I did not initiate this and and with coinbases lack of customer service and ability to actually talk to anyone I have been unable to stop this transaction. XXXX XXXXXXXX XXXX said I need to contact the merchant ( Coinbase ) to stop these two {$5000.00} charges. Ive now spent over 6 hours on the phone with my banks and credit card companies changing all my account numbers because Coinbase has not responded to any of my close to 10 emails and phone calls about this. I want my account locked immediately and someone to contact me in regards to this. Not only do I not have access to my Coinbase funds/account but now my personal bank account has been withdrawn, over drafted and suspended because of this. Meanwhile its been over 2 weeks since I tried to put a lock on this account and talk to someone at Coinbase about this. Thank you.
Product: Credit card or prepaid card

Capital one closed my account unilaterally after the bill was paid in full for card ending in XXXX. I called on XX/XX/XXXX to submit a request to reopen the account and was told that the request would take 7-10 business days. Called back in on 7/10 to check on the status and was told that I should hear back by the XXXX or the XXXX of XXXX. Called back on the XXXX and was informed that no request was submitted on the XXXX and they only first submitted the request on the XXXX of XXXX and I would have to wait until XX/XX/XXXX. Asked to be transferred to a different manager as the one I was dealing with was based out of the XXXX and difficult to understand on top of multiple dogs barking in the background. Was transferred to Manager XXXX based out of XXXX, FL who said that my account will not be reopened and she's not sure why the requests were submitted as my account can not be reopened. Very angry that hours upon hours of my time has been wasted by Capital One lying to me about my recourses and about requests that were supposed to be submitted but were never submitted.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the XXXX data breach I want these items deleted from my credit reports effective immediately I'm attaching proof to XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with Experian and the collector on XX/XX/2019 but they keep verifying it. XXXX XXXX XXXX XXXX attempts to collect {$16000.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. They hurt my credit and I can not qualify for any loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX have have sent them all letters letting them know I didnt authorize these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

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 3 credit bureaus to validate these accounts ( A ). 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 : XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$510.00} XXXX  XXXX Balance : {$620.00} XXXX  XXXX Balance : {$210.00}
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, Experian and XXXX consumer report. I noticed some accounts being furnished on my consumer report without my consent as the CONSUMER!! 

XXXX XXXX BANK ACCT # : XXXX This company is in clear violation of the LAW!. Pursuant to 15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave anyone written instructions to furnish this account on my consumer report!
Product: Checking or savings account

On XX/XX/2022 I showed up at the branch located at UNION BANK  XXXX XXXX XXXX XXXX, CA. XXXX. I had an appointment scheduled at XXXX XXXX, I arrived at XXXX XXXX When I sat with the personal banker, she began the process of opening an account. I provided all forms of Identification and a name change decree, provided by XXXX XXXX XXXX. The representative refused to open the account in my LEGAL name because my new Identification cards had not arrived in the mail. I continued to ask her to please refer to the legal document and use my legal and birth name. I even offered to show her my birth certificate which matched the name change decree, but she continued to refuse. I agreed to open the checking and savings account in my former last name. About 30 minutes later, she informed me that she was unable to open the account. I asked her why and her response was, " I don't know, it just denied it. '' I continued to ask her to provide me with a reason as to why I was denied and she refused. I left the bank and called my lawyer. He informed me that they are legally required to tell me what is preventing the account from opening. I returned to the bank and requested another representative tell me why I couldn't be approved. She refused to tell me as well. She handed me a paper with the XXXX phone number on it and suggested I call. I explained to her that I had already called them and couldn't find any information as to why I was denied. I asked to speak to a supervisor and she said there were none in the bank. I left.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus have illegally hoarded my person information without this my expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace me. I would also like thank the CFPB for protecting her/his Personal, Family, and Household.