23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My wife and I invested in XXXX, XXXX, XXXX, ( parent company : XXXX ) in 2001. We purchased the stock @ {$10.00} share and added more stock over the next couple of years @ {$10.00} to {$11.00} per share. The stock grew to over {$20.00} and settled around $ XXXX/share. One Friday morning, with no notice before, during or after, the FDIC closed the doors of the bank, turning the assets over to Umpqua Bank of XXXX. We lost approx. {$280000.00} of our retirement and never heard a word from anyone at FDIC, the bank, it 's board or anyone else. The only contact left was Umpqua who were not responsive to our requests for more information and did we have any alternatives to what happened. This destroyed our XXXX as we are now XXXX years old and have very limited funds. Do we have any recourse? We desperately need the money or some portion of it to sustain our lives. The closure was a few years ago now, but we only recently found out about CFPB. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, & XXXX Continues To Allow Fraudulent Inquiries On My Credit Profile After I Placed Security Freeze XXXX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 : XXXX - XX/XX/XXXXXXXX  2 : XXXX XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX - XX/XX/XXXX  4 : XXXX XXXX XXXX - XXXX XXXXXXXX  5 : XXXX XXXX XXXX - XX/XX/ 6 : XXXX XXXX XXXX - XXXX XXXXXXXX  7 : XXXX XXXX - XXXX XXXX 8 : XXXX - XX/XX/ 9 : XXXX XXXX XXXX XXXX XXXX 10 : XXXX XXXX - XXXX XXXX 11 : XXXX - XXXX XXXX 12 : XXXX XXXX XXXX XXXX XXXX XXXX 13 : XXXX - XXXX XXXX 14 : XXXX XXXX XXXX XXXX XXXX XXXX 15 : XXXX XXXX - XXXX XXXX 16 : XXXX XXXX - XXXX XXXX 17 : XXXX XXXX - XXXX XXXX ___________________________________________________ EQUIFAX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 : XXXX XXXX - XXXX XXXX 2 : XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX XXXX XXXX XXXX 4 : XXXX XXXX XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX XXXX XXXX 6 : XXXX XXXX XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX 8 : XXXX XXXX XXXX XXXX XXXX 9 : XXXX XXXX XXXX XXXX 10 : XXXX XXXX XXXX  XXXX XXXX XXXX ____________________________________________________ XXXX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 XXXX XXXX XXXX XXXX - XX/XX/ 2 : XXXX XXXX XXXX XXXX XXXX XX/XX/ 3 : XXXX XXXX XXXX - XX/XX/ 4 : XXXX XXXX XXXX - XX/XX/ 5 : XXXX XXXX - XX/XX/
Product: Credit reporting or other personal consumer reports

I submitted this request to XXXX, XXXX, and TransUnion. This is a request to correct a violation of 15 US Code. The information on the reports is going beyond the allowed information according to the US Code. 

XXXX XXXX XXXX ( This was sent to XXXX. Similar requests were sent to XXXX and TransUnion ). 
Confirmation # XXXX Please correct the following inaccuracies on my credit report : Page # XXXX Last Reported Employment should have been XXXX  XXXX XXXX from XX/XX/XXXX, until XX/XX/XXXX. 
Page # XXXX XXXX  XXXX XXXX XXXX Account XXXX is in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, which states ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Please remove information of account that as described by the US Code does not belong on the report. 
Page # XXXX, XXXX  XXXX XXXX, Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX, -XXXX XXXX XXXX  XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX  XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX XXXX Account XXXX, this is not my account. Please remove. 
Page # XXXX XXXX  XXXX Account XXXX, this is not my account. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

FORD Credit has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

XXXX XXXX XXXX XXXX XXXX. Reporting an account by XXXX for {$2000.00} as open. Account has also been removed but re appeared on XX/XX/XXXX. Account has been disputed before by agency and removed in XX/XX/XXXX. XXXX added the amount and reaged without informing consumers. This is against best practices. Letter was sent to XXXX to remove account as it was recorded inaccurately account was then removed by XXXX. Then opened and added on!. Several letters has been sent to XXXX with no responses. 
Then information was removed from credit reporting. The ADDED back as new account in XXXX See attachments
Product: Credit reporting or other personal consumer reports

A charge off/canceled debt can not be reported on a consumer report because the IRS considers it as a certificate of indebtness, in other words income. Income was never allowed to be on any consumer report and if it is, it violates the fair credit reporting act. As you can see it is inaccurate. I demand that these accounts are removed immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I travel a lot and over the past few months have spoken to Wells Fargo XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch manager submitted problem to Resolution Team on my issue ) XXXXXXXX XXXX I complained to XXXX XXXX as per below a banker. XXXX XXXX. The branch XXXX, XXXX XXXX Managers Manager, is aware of my having problems. 

XX/XX/23 at XXXX I was at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To resolve my issue : The bank thinks my XXXX account is being used fraudulently. During the time I was setting up my accounts my customers were trying to send me money and complained when the transaction failed to go through. 

The online system at Wells Fargo lets you set up 4 accounts for transfer. I am including my tokens for these accounts. 

Below are the tokens that I want restored by Wells Fargo. 

Phone : XXXX XXXX : XXXX Secondary : XXXX Other : XXXX It is ludicrous to tell me that I can not do XXXX transactions using an email and phone number i have had for 30 years and appears on all my business cards, financial transactions etc.
Product: Mortgage

We are in the middle of a short sale review with Wells Fargo, the mortgage servicer when suddenly, a foreclosure date was assigned on the house as recent as last week. We already sent over all the pertinent documents as of XX/XX/18 and had been working directly with the short sale negotiator as of XX/XX/18. Wells Fargo did not order a full interior value and only ordered the exterior value which came back highly inflated from actual market values of the local neighborhood. Without the interior value, the Investor of the loan does not have an accurate picture of the house 's condition. We were told to submit a value dispute packet in order to re-review the file if an interior value request would be acceptable. We submitted the value dispute immediately at the same time that the Homeowner received a foreclosure notice. When we requested that Wells Fargo postpone the foreclosure date since we are in the middle of a short sale review. Wells Fargo is refusing to postpone the foreclosure date, despite knowing that a value dispute review itself could take up to 15 business days to complete and not to mention, the amount of time it takes to go through a counter offer phase and then, approval.
Product: Mortgage

This is an additional complaint to the previous XXXX. I already a confirmation number. My account was reported to XXXX on XXXX XXXX, 2016 as increase of {$540.00}.
Product: Checking or savings account

Acct number XXXX XXXX XXXX Usaa Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, Texas XXXX They robbed me charging me the full amount of insurance owed as if I should pay the full amount for the months ahead after I stopped paying them for the service. I should not be accountable for future insurance service that has been canceled. I want the debt exponged and paid in full receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their repeated inaccurate reporting of late or past-due payments on my accounts. Despite my continuous efforts to rectify this issue, the creditor has failed to update my account information accordingly. 

I have experienced this problem numerous times with XXXX XXXX XXXX, and despite disputing the information twice, the account verification has come back unchanged. This situation is not only frustrating but also damaging to my credit history. 

To provide you with specific details, I made payments to XXXX XXXX XXXX on XX/XX/XXXX, with the respective amounts of {$110.00} on the account ending in XXXX XXXXXXXX and {$96.00} on the account ending in XXXX XXXX. I have confirmation of these payments from my checking account, which ends in XXXX XXXXXXXX. Therefore, I can confidently assert that I am not late or delinquent on my payments. 

Despite the evidence of my timely payments, I was recently marked for XXXX as delinquent again by XXXX XXXX XXXX. It is clear that there is a recurring issue in accurately reflecting my payment history, and the bank has been unresponsive to my requests for updating the account accordingly. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that XXXX XXXX XXXX  accurately reflects my payment history. I urge you to investigate this recurring problem and take appropriate actions to rectify the inaccurate reporting. 


Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and ensure fair and accurate reporting by XXXX XXXX XXXX. I look forward to a swift resolution of this dispute.
Product: Credit card or prepaid card

Bank of America. 
Had a Balance of {$2700.00} on XX/XX/XXXX. I paid XXXX on XX/XX/XXXX. Was billed again from the bank on XX/XX/XXXX at which time I had a credit balance of $ XXXX an amount of {$73.00}. At that time I was charged residual interest again at {$22.00}. I have a second credit card which they did the same thing. I contacted the bank and they said that it is their policy to bill residual interest for 2 billing cycles after the credit card is paid in full. Also, not only did I overpay the bills but when I looked at the website for payoff amounts you have 3 options : 1. Pay minimum payment 2. Pay last statement balance 3. pay current balance This is misleading to consumers as the bank states that the current balance is not updated daily and actually does not reflect the current balance with interest and unless you call them you do not have the proper amount to pay off your account and will be billed again residual interest. I hate when I pay a bill in full and then a month later another charge ( residual interest ) magically appears. 

XXXX did the same thing but when contacted they immediately reversed the charges.
Product: Debt collection

In XX/XX/XXXX, Midland Funding, LLC. filed suit against me in the XXXX XXXX XXXX for the XXXX XXXX XXXX for an alleged {$4600.00} debt. I hired an attorney and we filed a Peremptory Exception of No Right of Action. In court the Plaintiff failed to produce documents between the defendant and original creditor and a complete chain of title of the account beginning with the original creditor. On XX/XX/XXXX the court issued a Judgement on behalf of the defendant and against the plaintiff with prejudice. 

On XX/XX/XXXX, I filed a dispute with all three credit reporting agencies and provided copies of the Final Judgement as well as other court documents. Around 30 days later I received responses from all three credit reporting agencies stating that Midland Funding LLC, had verified the reporting of the debt. 

I don't understand how Midland Funding LLC can sue me in court, loose and still verify a debt that the court has ruled does not exist.
Product: Debt collection

Request to delete/remove all XXXX XXXX XXXX accounts effectively and immediately with reference to both Capital One credit card debt. Current litigation in Supreme Court of the State of New York - XXXX county with my request to forever discharged, discontinue actions, and cancel XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX account XXXX amount XXXX I have no knowladge of this account. I have attached a FTC police report. This is fraud, Per the FCRA this needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, My name is XXXX XXXX and I am again writing with concerns about inaccurate accounts appearing on my credit report as accurate. For the past few months & years, I have continually written to your bureau about these and asked that they be removed asap. 

I am now going to file an Attorney General complaint against your company as more of these accounts becomes apparent. Your company has taken part in ruining my credit history and it is about time that it stops today! I demand that you immediately remove the accounts in question and ensure that they never appear again! 

These are the accounts. : XXXX Account # XXXXXXXXXXXXXX - {$4600.00} XXXX Account # XXXXXXXXXXXXXX - {$2900.00} XXXX  XXXX XXXX Account # XXXXXXX - {$1600.00} XXXX XXXX XXXX Account # XXXXXXXX - {$9300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a recent victim of identity theft. I sent a 609 Letter to Experian disputing items on my credit report via certified mail. I also demanded that they send me documentation that they used to verify the accounts on my credit. They failed to reinvestigate, and to send me proof of any documentation they used to verify the accounts. I would like the following accounts removed immediately.
XXXX XXXX-XXXX XXXX XXXX-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- sent me a letter stating that my name and address is n't in there system. I would like this to be removed as soon as possible XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Experian credit report today and saw where it was reflecting a hard inquiry from an account called XXXX CARD. Now I never applied for such a card or had an agent acting on my behalf apply for this card on my behalf. I never applied for any services that would result in a hard pull on my Experian credit report. So, I am asking kindly that this be deleted from my credit report immediately please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized opening of Bank of America credit card on XX/XX/23. Reported to Bank of America for fraud but still shows the inquiry on my report. This inquiry and opening of account was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX which is with XXXX XXXX originally. It is with admin recovery now I paid in full XXXX XXXX. It is for XXXX I would like the pay status to be updated to paid off in full. I called XXXX on XXXX XXXX 2017 they said to call admin recovery to do it. Admin recovery said the opposite that XXXX XXXX XXXX has to update it because they were the original lender. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

On XXXX  I was trying to make sure my contact channels for XXXX was correct so I could begin using it again. I have not used it for over a year. 
When I did use it, I would only use it to send occasionally to send money to a friend or transfer money between my accounts. I wanted to start using XXXX again because Im opening another bank account. When I try to make sure it was registered, it did not work and I called the bank and they could not tell me what the issue was. They said they were going to open a case for someone to look into it and contact me. They said it would be three business days. The next day I tried to do an external transfer but Ally wouldnt allow me to link another bank that way either. I chatted with someone who told me that this is relating to my XXXX issue and its still being looked into. They still could not provide me with any information. Yesterday at around XXXX XXXX  I received a missed call no voicemail was left so I googled the number and it said it was Ally bank. I called Ally Bank and the guy told me that he did not see a missed call and he didnt have any updates on my case. He was continuing to look at my account & the call disconnected. I didnt know what happened but he told me that there was no updates, so I did not feel a need to call back. About XXXX minutes later, I received an email stating that there was suspicious activity detected on my account today. I immediately called back and asked for a supervisor and the agent that I reached told me that I could not speak with one. They said there was none available. She did allow me to leave a voicemail though. I expressed that I was very frustrated with the experience that I have been having the past few days. No one has been able to give me any information. The agent proceeded to ask several security questions, and the last few asked if I ever filed a XXXX dispute, or if anyone ever filed one against me? I said no And the agent still said she could not give me any more information and she will forward my answers to the investigation team. I left a voicemail for a supervisor but I am very upset by this whole interaction and I want my issue resolved as soon as possible. It is scary as a consumer, to be asked these types of questions, and then be locked out of all your money. 
I Received an email this morning, stating that someone reset my pin and the customer service representative I spoke with said they could not see what this would be. 

Today was my eighth call Ive made to Ally since Saturday. The last few calls the agents are very rude to me and XXXX person named XXXX ended up hanging up the phone on me. I asked for his XXXX and he said his managers name is chance, and he refused to speak with me. I called back and spoke with XXXX and she told me there is no timeframe she can give me on when I will have access to my accounts again. This is not a reasonable request. I asked her if it could be a month without access to my accounts and she told me she could not tell me that. I am not being treated fairly. Please help me because when I call, they are brushing me off and not rectifying my issue.
Product: Money transfer, virtual currency, or money service

As an XXXX citizen, Coinbase has blocked my account and is holding my funds XXXX following their exit from XXXX. Despite multiple attempts to contact support, I've received contradictory information and am unable to withdraw my funds. This is causing significant financial distress. Coinbase has a responsibility to return customer funds regardless of their operational status in a country. Their actions are unethical and potentially illegal. I demand immediate access to my account to withdraw my funds, along with compensation for the stress and financial hardship caused by their negligence.
Product: Credit card or prepaid card

I purchased a Vanilla Visa Gift Card in-store at XXXX 's XXXX XXXX for {$200.00} + {$5.00} activation fee. on XX/XX/XXXX at XXXX in XXXX FL as a wedding gift to the family member 's wedding. The bride later told me that she attempted to use the gift card however it showed that it was not activated at the register by the store. I contact XXXX to advise the gift card was never activated and they told me to reach out to Vanilla Visa directly. I contact Vanilla Visa who further explained that they could not confirm that the gift card I purchased at the store was the same gift card that was never activated. I told them I can provider proof that I purchased the gift card in store however that did not seem to matter to Vanilla Visa. 

I, then, filed a dispute with my bank XXXX XXXX in order to recoup the {$200.00} + {$5.00} that I lost for an ineffective gift card. XXXX XXXX denied my claim as they stated XXXX confirmed the purchase. I contact XXXX XXXX on XX/XX/XXXX further explain that while it is true that I did, in fact, purchase the Vanilla Visa gift card at XXXX, the store never activated the gift card thus rending the gift card useless & ineffective. 

Vanilla Visa recommended I contact XXXX. XXXX recommended I contact Vanilla Visa. And my bank XXXX XXXX is doing nothing to help. I don't believe its right for me to be scammed out of {$200.00} + {$5.00} activation fee for a gift card ( which is now just a piece of plastic ) because these companies refuse to take ownership. This seems to be a common issue.