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

I received a payroll check from a major stock market corporation that Ive been employed with for many years. When I deposited the check, USAA placed funds on hold. I had been hoping to use these funds to pay down my credit card balance with the same institution. I was notified that the funds would be placed on hold because my sons account which I am named on had been overdrawn recently. I offered to provide documentation so that they could verify that this was a legitimate check that was paid to me. They refused to even look at this. All the while they are charging me interest on my credit card when they are holding the money to pay it offthey already have it in my account. 

They disingenuously say that they are holding the funds to verify that they will actually receive them. This makes no sense. The check is from XXXX XXXX XXXX and has multiple signatures and is from a major stock market corporation. I offered to provide documentation. The only way this makes sense is if they are trying to punish me because my son is having trouble with his cash flow. 

This is a very shady business practice. They are holding onto my money on the one hand and charging the interest on a credit card on the other. At best, this is deceitful, but based on their behavior, I think it may be intentional to prevent me from paying off my credit card. 

I have been a customer with continuously open accounts at this bank for more than 26 years.
Product: Debt collection

Portfolio Recovery is attempting to collect on a debt that is several years past the statute of limitations in Georgia. 

They mail us at home ( XXXX ) and telephone at work, during the day, to collect this outdated debt, even after being told to stop telephoning work. 

They acquired the debt XX/XX/XXXX ; the account was originally opened in XXXX. The statute in Georgia is six years. It it XX/XX/XXXX.
Product: Debt collection

After reviewing my credit report file with XXXX, I am disputing lines items reported by I XXXX Systems Collections. As part of debt validation pursuant to 15 U.S.C. 1692g, I am requesting the following to determine accuracy and completeness of the data furnished : 1. Full payment history details from the original creditor 2. Date of last payment 3. Date of delinquency 4. The original wet signature that I agreed to on the contract for this creditor 5. Has there been any insurance claim found on this debt?

6. Provide the chain of assignment contract / chain of title In addition, I request an affidavit of truth under penalty of perjury for each reporting.

Since I C Systems Collections can not provide the chain of assignment contract, I respectfully request these items be deleted from my consumer file as it is a mis-representation of my financial obligations and violates consumer rights. Furthermore, self-initiated research revealed I C Systems Collections is not authorized to collect for my state ( XXXX  consumer access ). I C Systems Collections does not have authority to collect nor ownership of the alleged debt ( XXXX ). 

Also, I have not provided I C Systems Collections my written consent to furnish data about me to affiliates or any third-parties ( 15 U.S.C. 1681b ), nor have I authorized my information & financial transaction to be bought, sold, held, transferred or stored by I C Systems Collections - this is identity theft which has been reported to the FTC. I urge the CFPB to uphold my consumer rights and instruct I C Systems Collections to delete the item within 5 business days. Should I C Systems Collections fail to comply in a timely manner as stipulated, they should be subject to fines & penalties by the CFPB for willful non-compliance with the FCRA and undermining the U.S. banking system 15 U.S.C. 1681 ( a ) ( 1 ). 

Case law - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Debt collectors do not own debts and can not put it on your consumer file.
Product: Money transfer, virtual currency, or money service

I have been trying, without success, to withdraw my money from my XXXX Pounds Sterling wallet to my XXXX bank account for nearly 3 weeks now. I have followed Coinbase 's instructions exactly, twice, but Coinbase still have n't verified my bank account, so my money is basically stuck in Coinbase.

I originally emailed Coinbase 's support about this issue on XXXX of XXXX, they replied with a generic message, and despite me emailing them for an update on XXXX of XXXX and XXXX of XXXX, I have heard nothing from them since. I have also called them, but both times I 've been left on hold for about 20 minutes then cut off before I 've actually been able to speak to anyone. I 'm now starting to panic, is Coinbase some sort of scam? I have several thousand Pounds in my Coinbase wallet and can not afford to loose this money. Please help! Many thanks, XXXX ( XXXX Citizen ).
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In according to the Fair Credit Reporting Act XXXX  act account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX  card account XXXX has also. 

XXXX XXXX  account number XXXX has also violated my rghts XXXX XXXX XXXX XXXX account number XXXX has alo violated my rights XXXX XXXX account number XXXX has also. 

Departmnet of Edu Account XXXX XXXX XXXX XXXX has alot the account number is XXXX XXXX XXXX XXXX States I have the right to privacy.

15 USC 1681 Section 602A It also states a consumer Reporting Agency can not furnish an account with out written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 1 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 2 604.A also states a consumer reporting agency can not furnish an account without my written approval or instructions.

I have asked this company several times to provide me with a signed contract by myself and they have not delivered
Product: Money transfer, virtual currency, or money service

I have transferred over 20,000 dollars to coinbase and they would not let me wire out my own money back into my own account at XXXX. 

They made it very easy to create an account at coinbase and to wire money IN but there website would not let me wire my own money back into my own account. I have sent 3 tickets about there " verification process '' that kept saying my address is incorrect or my social security is in correct when in fact I know it is correct. It has been 3 weeks and they have not responded to any of my tickets. 

There website tells me to wait 24 hours to verify again. I have tried this for several days and there system refuse to verify my account. If they did not verify my account, why did they even accept my wire transfer coming in to coinbase in the first place? 

Now I can not wire my own money back into my own back because there website is claiming I can not be verified because my Social Security is incorrect. I believe this is an excuse to take my money and hold it ransom.
Product: Mortgage

I have already filed complaint # XXXX which has been closed with no satisfactory resolution.My continued complaint will be attached
Product: Money transfer, virtual currency, or money service

XX/XX/21 - Received a call from Wells Fargo Bank ( WFB ) The telephone number that showed up on the telephone was the same number that is on the back of the WFB Visa/Debit Card . Caller said someone had gotten into our checking account and was transferring money via XXXX. They said that we were to access account from our computer and follow certain instructions they were giving. including changing our password. Once that was done, " XXXX '' money transfers began. Three immediate transfers of {$700.00}, {$1000.00} and {$1800.00}. When the transfers started, we called WFB from a different phone and explained what was happening. The transfers stopped and our account was closed. 

We then spent at least two ( 2 ) hours on the phone with WFB talking with different individuals ( fraud department? ). We were ultimately instructed to file a claim with the WFB Fraud division, which we did. We had many ( at least 20 ) following discussions with WFB on the phone and in our local Branch. Ultimately WFB denied our claim and refused to tell us where and/or to whom the money was transferred. Instead, WFB told us that in order to find out where and to whom the money was transferred, we would have to file a claim with the local Police and/or the FBI. We tried calling XXXX for more information, but they would not discuss the matter and instead directed us to have any and all conversations with WFB, We ultimately were directed to the " Executive Division '' of the WFB Fraud Department ; and after about a month of discussions, we got nowhere except receipt of another letter of rejection.

We understand that WFB owns XXXX ; and, we further presume that a WFB employee may have been making this fraudulent transfer. We have been regularly banking with WFB for more than 60 years, and would like to get back our stolen {$3500.00}.
Product: Debt collection

Company purchased an account which I do not owe. I DISPUTED THIS MULTIPLE TIMES IT IS NOT A VALID DEBT, THEY DID NOT PROVIDE A SIGNED APPLICATION SHOWING I OPENED THIS ACCOUNT WITH THEM LEGALLY HAS TO BE REMOVED UnDER THE FAIR CREDIT REPORTING ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Please Please Help Me I have submitted dispute letters to XXXX XXXX asking for incorrect and inaccurate information to be investigated and removed. THEY WILL NOT COMPLY with the law of FCRA. its been 45 days and no response. i have asked for names/addresses of entities reporting inaccurate info on my consumer report for 3 years now and i haven't been given no response to my request. Example : if XXXX XXXX  submits reports on me then i need to know its XXXX XXXX.and there address and phone contact. Experian responds to me 3 months later after i requested a bankruptcy on my consumer report with " The bankruptcy on your report has not been changed because the Company '' that reported it verified its accurate ''. I Also have a letter from the bankruptcy court on an official letter head stating that the bankruptcy court doesn't submit ANY info to consumer credit bureaus. So who is this " Company '' Experian is referring to. AND WHY IS EXPERIAN BEING SECRETIVE ABOUT WHO IS REPORTING INACCURATE INFO ON MY CONSUMER REPORT. AFTER I HAVE ASKED FOR INFO/COMPANY/ADDRESS/POINT OF CONTACT BUT EXPERIAN IS REFUSING/AVOIDING TO FURNISH THIS INFO TO ME THE " CONSUMER '' Experian SOLE PURPOSE IS TO FURNISH UNVERIFIED INFO ON A CONSUMER REPORT WHERE ITS A VIOLATION OF THE LAW CAUSE THEY ONLY SEEK A PROFIT FROM REPORTING. CAN YOU PLEASE HELP ME OR PLEASE PLEASE PLEASE REFER ME TO LEGAL COUNSEL ASAP. ENOUGH IS ENOUGH. I REFUSE TO LET EXPERIAN TO CONTINUE RUIN MY LIFE FOR FAILING TO " OBEY THE LAW ''. i HAVE ATTACHED LETTER THAT I SENT OFF ON XX/XX/2022 AND IT IS NOW XX/XX/2022 AND STILL NO RESPONSE. AND IF I DO RECEIVE ONE IN WILL BE NEXT MONTH AND THEY WILL NOT INCLUDE ANY INFO I ASKED FOR. ONLY EVASIVE ANSWER SUCH AS " '' The bankruptcy on your report has not been changed because the Company '' that reported it verified its accurate '' I NEED TO KNOW WHO THIS COMPANY IS SO THAT I MAY ADDRESS MY GRIEVANCES WITH THEM AS WELL AS EXPERIAN .... ( CFPB PLEASE HELP ME )
Product: Mortgage

I received a notice from Indiana XXXX XXXX Treasurer 's office on XX/XX/XXXX dated XX/XX/XXXX stating that my property taxes had not been paid that was due on XX/XX/XXXX, XXXX if payment was not received by XX/XX/XXXX additional fees and an interception of our personal Indiana income tax. 
I reached out to Mr. Cooper Mortgage company the following Monday XX/XX/XXXX and sent them the documents showing it was past due. 
I spoke to resolution specialist XXXX XXXX who assured me it would be paid within XXXX to 3 days. That did not happen. 
I then spoke to resolution XXXX XXXX XXXX on XX/XX/22 who assured me he would get it resolved. I received an email from Mr Cooper on XX/XX/22 that the payment had been sent on XX/XX/22. I then followed up with the XXXX XXXX XXXX to be sure the payment was received. It had not. 
I then spoke to Mr Cooper resolution specialist XXXX XXXX on XX/XX/22 who assured me the payment was going to be send on XX/XX/22 by FedEx overnight and provided me with a tracking number. That tracking number shows that only a label was created and XXXX had not received the package from Mr. Cooper. 
Today is XX/XX/XXXX, the final day XXXX XXXX has given before interception. 
I have emailed all three resolution specialist to respond and none have replied. 
I need help getting Mr Cooper to pay my past due tax bill as the funds are being held in their escrow account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/, XXXX XX/XX/, XXXX XXXX XXXXXXXX, XXXX XX/XX/, XXXX XXXX XXXXXX/XX/XXXX  XXXX XXXX XX/XX/XXXX  XXXX XXXX XX/XX/, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The letter was sent to Experian to investigate and remove this information. it was sent by certified mail and Experian refuses to conduct an investigation and sends me a stall email stating it will not. 

certified mail tracker XXXX
Product: Mortgage

Bank of America took over 1 year to deny a loan. They assigned yet another representative on same level as other to assist me. I left a message for his Email to send him further documentation. He has yet to respond. This is why it takes Bank of America over 1 year to make the first level decision. My current representative is XXXX XXXX. Further, Bank of America refuses to allow customers emails for higher level officers.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Debt collection

Ally Auto repeatedly calls me throughout the day. It has not became XXXX a day they are contacting me. I have already told them XXXX the constant phone calls need to stop. They continue to do it. I have threatened them with legal action but they do not listen. At this point I am writing to complain as well as looking to take the legal action further. I already contacted a lawyer about it.
Product: Credit card

On XX/XX/year> approximately XXXX XXXX  EST I called USAA to submit a dispute for a transaction with XXXX for {$380.00} for delivered goods because the merchant accepted a refund request for the goods and provided a shipping label, acknowledging receiving the delivered goods and that a refund was to be processed, and then confirmed in writing that I needed to dispute the transaction with USAA. 


On XX/XX/year> USAA emailed me requesting additional information for " A detailed description for the service expected to be received '' despite the dispute being about goods and not a service. I provided a PDF with a description confirming that this was not a dispute about services, a description of the dispute, and proof of all of the above actions with the merchant including the fact that I should have received a refund. 


On XX/XX/year> I received a response from USAA stating that they found the dispute to be valid as " A review of our records indicates that the requested information necessary to continue our investigation into the disputed transaction was deemed insufficient. Based on existing information in our records, there is insufficient evidence to support your claim ''. It does not state what evidence was necessary for the dispute, despite all evidence provided by me to clearly demonstrate the dispute to be valid. 


On XX/XX/year> approximately XXXX XXXX  EST I called USAA and spoke with a female phone agent who was not able to look into my dispute and said I would receive a response from the dispute department within a week. 


I have not received any response regarding this dispute from USAA as of XX/XX/year>.
Product: Credit reporting or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Open XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Open XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open FCRA violations : account not mine XXXX XXXX XXXX {$14000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  {$1400.00} Date opened XX/XX/XXXX FCRA violations : inquiries not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On Record until XXXX XXXX
Product: Credit card or prepaid card

Capital One has NOT provided any meaningful response. I challenged XXXX XXXX unauthorized credit card charges on my Capital One credit card account by disputing the charges and requesting verification documents ( invoice ) from the creditor, XXXX. I never received a product or service from XXXX. There are no documents that exist for this transaction, other than the charges on my Capital One account. Furthermore, there is no cancellation or return policy that is relevant here.Capital One needs to credit my account for {$210.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Double jeopardy XXXX XXXX Soled the debt to XXXX XXXX, who is reporting it as a charge off, but the same debt is reported by collection agency By the name of NCB management service amounts incorrect the used information that I gave them lately to up date to keep on my report.
Product: Mortgage

My Mortgage is a VA, 30 year fixed loan, with a 2.25 % and I have never missed a paymentor otherwise been late. In 2021 a neighbor mentioned Forbearance, and I called and asked a few clarifying questions. After getting the answers, I decided that it was not for me ; I continued to make my normal payments. However, Freedom Mortgage suddenly started to charge me extra each month : {$160.00} and {$170.00}. I contacted Freedom Mortgage, and eventually, I was told that I only owed the normal amount ... {$880.00} ; although I do have a partial tax exemption, because Im a 100 % service connected XXXX XXXX, so my payment prior to the exemption is {$960.00}. 

I have since discovered that in 2021 Freedom Mortgage opened a Forbearance plan on my home, and while I dont know for certain, I suspect these charges are tied to that document/plan. I have made every payment before I asked about the Forbearance, and after ; which adds credibility to my claim. Said differently, had I intentionally filed a forbearance my payments would have stopped or drastically reduced. 

This has left me thinkingWTF???
Product: Credit reporting or other personal consumer reports

I have asked equifax and XXXX if they could update my credit file and show it to reflect on my credit report, everything 's I login to the website it always says last reported credit score last year in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a cfpb complaint on XX/XX/2021 against Equifax and Equifax did not do what they said they would do. [ Complaint Number XXXX ]. Equifax only responded with a credit report with no updates or anything indicating that there was an actual investigation. 

Equifax credit report shows : There is a Past Due Date in collection account, 120 Days Late in collection account ( collection accounts are late by default ). The date of last activity is incorrect, missing date of last payment. collection account and charge-off account missing the required notice of dispute ( violation ). 

These issues can not be ignored while Equifax is selling my personal information and making profit out of my personal information ( with inaccuracies ) even when I have notified Equifax more than 3 times about these inaccuracies in my credit report.Equifax Continues to ignore all my disputes and even the cfpb disputes.