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

Using Cash App, I lost the phone service to my cash app account, there were funds in the account. I contacted Cash App customer service several times and requested they close the whole account after my verification and send me a check for the balance, they refuse to help me empty my account and are being negligent in helping me get my money out.
Product: Mortgage

M & T BANK merged my XXXX  account from a Peoples bank where I have been a good customer for 15 years with NO PROBLEMS. When the banks merged in XXXX and XXXX I paid the loan ON TIME and the payment got rejected by the M & T BANK computer system IN ERROR. On XX/XX/XXXX I spoke with XXXX XXXX who set up docusign debit form and told me I was all set- the monthly debits would be made automatically from my XXXX XXXX XXXX account. That never happened. I then called the XXXX bank line FIVE times on XX/XX/XXXX and got hung up by a woman named XXXX XXXX XXXX XXXX I asked for a supervisor. When I called back she said she was going to continue to hang up on me and sent my calls to non-working numbers inside the bank. She then reported my account as delinquent to retaliate against me for asking for a supervisor! I then drove over to the local branch in XXXX XXXX XXXX XXXX and made an in person payment to XXXX XXXX XXXX the assistant vice president. M & T BANK has done everything possible to XXXX up this account and blame the customer and RETALIATE by sending me notices of Default. I have NEVER missed a payment. M & T BANK is breaking the law.
Product: Money transfer, virtual currency, or money service

I have been a Coinbase customer for approximately 6 months. No issues until I purchased a new phone and my authentication key was lost. I use a 2 step process for security purposes. At any rate, their process to have that XXXX requires a user to upload a picture of a valid ID XXXX both front and back ) before the process is started. My ID has my entire middle name XXXX XXXX XXXX instead of just my middle initial, which is how I established my XXXX account. 

At any rate, I have patiently contacted them on numerous occasions via email. Responses are simply cut and paste. At one point I was told that they were investigating the issue but have n't heard back. I attempted to call their customer service line numerous times and eventually was placed on hold by an automated service while waiting for a specialist. I literally sat for 1.8 hours on hold. 

I have a lot of money in my account and simply want access. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX claims a XXXX  XXXX company card was opened and used for up to {$4000.00} plus in balance and claims I used overdraft benefits or a balance transfer to send to bank accounts in my name. Bank has not provided proof of which bank account that is because I am a XXXX year old woman with one bank account to collect SSI monthly payments. 

They need to identify the rightful owner of the account and remove it from all three credit bureaus Experian, XXXX, and XXXX  who have taken 8 months to gather baseless material that has not helped. FCRA states that accounts due to identity theft should be blocked or suppressed within four business days of notification. The credit bureaus failed me in protection laws.
Product: Debt collection

Capital One. 

I have been a victim of identity fraud. Someone has used my full identity to open a capital one credit card. After finding out of the fraud, I immediately got in contact with capital one and asked them to provide me all the details on the transaction and the details of the person who had been using the account. I also have told them I have never applied for capital one credit card and never had any card issues to me by capital one banking. 
Capital one, issued an investigation for 60-90day after several call and speaking to different departments. One a month later I contacted capital one to be told that I was the one who applied for the credit card they demanded all the arrears/ payment to be paid. All the dates and amounts of money are included down below Capital One card First noticed- XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates I have contacted and spoken to many of the capital one representative! 

I have also received a post mail from capital one asking me to provide a full personal details of mine and to provide two form of identification, which I have send the details by fax. Dated sent XXXX. 

I have also reported identity fraud to the XXXX police department. Case report number- XXXX. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Transunion reported a fraudulent account that was re-inserted on my credit report. I have previous disputed this information three years ago and was removed from all the credit reporting agencies. This old debt from a XXXX company, I never did business was reinserted by a debt collector name XXXX XXXX with a new date as a new debt, I believed that re-aging a debt is illegal. Transunion is the only reporting agency validating this fraudulent accounts after providing all theft reports and affidavits documentation pertaining to this matter .This debt does not belong to me, nor did I have knowledge until my information was stolen XXXX years ago. Please remove this debt and sent me an updated report showing the deletion. The debt collector called XXXX XXXX change the date and report this account as new debt, I believed that is illegal and I will take steps to report them to my Attorney General and XXXX XXXX protection Agency.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 items listed in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$77.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

1.I have never had an account with this company WELLS FARGO , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WELLS FARGO the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Money transfer, virtual currency, or money service

Someone accessed my information from my phone. I lost my phone and when I got it back, a week later funds were being transferred to another account without my knowledge. Wells Fargo will not give me my money back even though they see that someone besides myself was accessing my account.
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a XXXX XXXX truck from the website " XXXX '' and opted to finance my auto loan through Santander bank. The monthly payments were {$500.00} with 10.1 % APR. The paperwork I received was through XXXX, not Santander. 

I was moving from New York to Florida that month, so I was told to register the truck in Florida. I did and ensured all contact information was correct for my Florida address. Several months later, I had moved to Florida, started a new job, and invested a lot of money into my new truck. 

In XXXX, my new employer 's check didn't go through and I could not cover the XX/XX/XXXX payment. I called Santander bank to inform them and they told me that was okay. We agreed that I would make the XXXX and XXXX payments on XX/XX/XXXX. The representative did not tell me this would impact my account status. No further letters, emails, or calls were received. 

The night of XX/XX/XXXX, my truck was in my private parking spot with my {$800.00} kayak in the back. After midnight, a tow truck came and repossessed my vehicle with all of my belongings. When I called the police the next morning thinking my truck had been stolen, it was to my extreme surprise that it had been repossessed, despite what I agreed upon with Santander. 

When I called to work out a payment plan/pay any fees associated, I was told that there was no way to escalate this issue and no options were available to me, besides to pay {$28000.00} within 14 days. I called many times trying to resolve this issue without my credit being destroyed. No one could help, no one could explain why I hadn't gotten correspondence or why I hadn't been offered to voluntarily release my vehicle to the bank. 

Now my truck is going to auction, I have no transportation to my job, I will have had more than {$10000.00} in losses, and my credit will be ruined for years. I have been in Florida for 3 months. Santander bank is practicing predatory auto lending.
Product: Payday loan, title loan, or personal loan

Today at XXXX i received at call from XXXX at XXXX XXXX in XXXX XXXX she asked for my full name and i never authoized for them to call work on contract. She told me if don't make payment today then she will have to go legal on me if i didn't come in office, So i'm requesting the loan be paid off and company get Fined )
Product: Checking or savings account

I purchased a certified bank check from my TD Savings account to pay the premium of my New York Life insurance XXXX. The check image does not contain all the necessary information as per check XXXX. TD Bank needs to provide all the necessary information on the back of this check which appears to be not endorsed and is missing payee account information date and time? Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX The above company has placed an inquiry on my credit report. 
According to the FCRA, I am requesting a permanent removal of such inquiry. 
15 U.S.C. Code 1681 ( b ) Permissible purposes of credit report.

I have not given consent to use my credit report, nor have I signed any written agreement to have access to my credit report in such manor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian keep disregarding the law. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Over the past year, I've sent letters to XXXX, XXXX and Experian repeatedly and they show complete disregard for the law. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The credit bureaus show no respect for the laws.

They need to be held accountable.

Additionally, according to 15 USC 6802c, I was never given clear explanation of how I can exercise nondisclosure option. I told told the bureaus this and they have not removed ALL of the accounts requested.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXX/XX/XXXX TransUnion 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 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: Debt collection

APPARENTLY SENDING A LEGAL NOTICE MEANS NOTHING TO THESE PEOPLE BECAUSE I SENT ONE AND THE COMPANY KEEPS HARASSING ME AND HAVE PUT THE ACCOUNT ON MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX XXXX on XX/XX/2018 and they responded. On XX/XX/2018 I provided further information as to their failure to uphold their own lease terms. 

The constant XXXX XXXX, the lack of the use of Washer and Dryers and money wasted. The neighbors downstairs noise and guest violence. My daughter grades are suffering and Im just exhausted with it all. I appreciate so much the opportunity to make a fresh start but my whole life was just crippled by the environment and inability to have space to even relax. Im working sometimes XXXX am to XXXX XXXX  and its just constant noise and disrespect of the community. If I try to tune it out then my downstairs neighbor beats the ceiling or slams the door. She is volatile and manipulative and it triggers me to get so depressed because I am upset. I cant function and be productive like this. 

On top of these issues there were several XXXX snd XXXX users on the premises and soliciting drugs to my daughter as she walked to and from school. This company put my childs life at risk snd endangered others. The leasing management partner XXXX XXXX offered me to move properties but all were very similar to the same environment. 

I do not owe Genesis Credit Management XXXX XXXX XXXX. There has been no debt verification, validation sent to me ever and I be not resided on this property in over 2 years. 

Until they can provide proof of NOT allowing drug activity on the premises and allowing barred/banned residents to remain in the property and also child predators on the property as it relates to THEIR own terms and conditions and bond agreement then there is no basis for this collection claim and it needs to be removed immediately!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This incorrect address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit
Product: Mortgage

Ditech, my mortgage provider went through a system upgrade in XXXX 2016 ( according to them ). I currently make biweekly payments on my mortgage, almost twice the amount of the standard payment. Due to technical issues, the system is no longer able to post biweekly payments. This is now resulting in showing over {$7000.00} of unapplied payments, but the mortgage now shows past due since XXXX XXXX, 2016. I did contact the provider by email and by phone several times. They have assured me the are reviewing the account. Beside a simple acknowledgement that they received my complaint and are reviewing this ( without any results as of XXXX/XXXX/16 ), they have never proactively reached out to me as to provide any status update. They are however reaching out with never ending collection calls and letter. If it was any other service, as a consumer, it would have swapped providers. However with a mortgage that is not such a simple task. It has been over 8 weeks with no results ( and I 'm sure I 'm not the only one ). I understand system issues, but it is inconceivable to me that not a single individual within the company can review my account and make the necessary corrections. I have no faith in the process, nor would I ever know if after the corrections the remaining balance would be correct ( depending on how payments are posted ).
Product: Bank account or service

The problem is with Discover bank debit card. It is going for 6 weeks and not yet resolved. Every time I call they are not able to give me any time estimate for the resolution. Each time they tell me that finance department is working on it. There are 2 transactions dated XXXX/XXXX/2016 in the amounts of {$4.00} and {$4.00}. These are not valid transactions. They are not able to give any information on these transactions. 
Their phone number is XXXX. My last contact was with supervisor XXXX. The debit card is associated with checking account that ends in XXXX.
Product: Debt collection

I was in car accident attorney settled with Hospital. I had insurance was a victim of hit and run.
Product: Checking or savings account

On Saturday XX/XX/year> Capital One restricted my Business Checking Account, as well as my personal with no explanation as to why. I called and again on Sunday and was on the phone for almost an hour to be told the department was closed, I would have to try Monday. On Monday I called several times to try and speak with someone but was given a direct line contact of ( XXXX ) XXXX and to press XXXX which is business account document collection department. No one would answer that line until today. I left several Voicemails Monday and Tuesday for that line. Also, called back multiple times to be transferred around and told that a different department was handling it but no one could remove my restrictions or who was handling it. I offered to go to location an hour away and they told me I could and they would lift the restriction so I could get cash from my personal account. I drove there and was then told this was not true. Its now been 5 days. My payments are being rejected, my accounts have the money, my credit will be damaged for missed payments and Capital One has given no explanation as to why my accounts are restricted or how to resolve them. Just refusing access to my money and ability to pay my bills and needs as a single earner with XXXX XXXX XXXX. Its also damaging my business and costing me valuable relationships.
Product: Debt collection

I filed a recent complaint with CFPB regarding complaint number XXXX in early XXXX. According to that complaint, they were going to research can get back with me to provide proof that the debt belonged to me. They have not been able to do that. According to laws governing debt collection, they are supposed to provide me with proof of the debt that has my signature on it. They are stalling and have not been able to prove this. It has been 30 days since I originally requested debt validation and have still not received. Both records that they placed under the credit reporting agencies will need to be removed or I will be forced to escalate this further and even get my attorney involved. This needs to be deleted ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the elimination of any erroneous accounts from my credit report. Could you verify the documents? Several of the listed accounts contain inaccuracies concerning reporting, such as inaccurate amounts and dates.