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

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I had my account verified in XXXX when I signed up with Coinbase. I made a number of transactions without any issues, but was in the process of making transactions on XXXX XXXX when Coinbase required that I re-verify my personal information. My account had been completely frozen - no trades or money transfers - until the re-verification process was complete. Over a few weeks, I tried every combination of spelling my full name and every address I 've lived in the past 10 years, but the only response I got back from their verification service was 'Could Not Locate That ID '. I even tried to close my account, but could not transfer my cash out of Coinbase. I called 6 times and was put on hold for over an hour each time. I finally reached someone and explained the situation ; they asked me to send in additional proof of residence. I sent in the information but have not received any update on when my account will be unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

" The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry.
Product: Money transfer, virtual currency, or money service

BAM Trading Services Inc. ( DBA Binance.US ) has restricted my account and I can not withdraw my Crypto from the platform. I have requested an explanation several times with little answer from Binance. They have now gone silent. The SEC has filed 13 charges against Binance entities and founder XXXX XXXX. I want to make sure others know about this and they don't use Binance at all.
Product: Student loan

I applied for Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX. At that time, I applied for consolidation with a direct loan lender, Mohela. My prior loan servicer was XXXX. I have worked for a qualifying PSLF employer since XXXX and have made over XXXX qualifying on-time, income based payments from XXXX to present. On the Mohela website, there is a gap of unaccounted monthly payments from XX/XX/XXXX to XX/XX/XXXX and only XXXX of the XXXX payments I have made toward my student loans have been verified. I provided proof of payments through my prior servicer XXXX. Mohela continues to state that they are waiting for updated payment counts from federal student aid ( FSA ). I submitted a PSLF reconsideration request with FSA on XX/XX/XXXX and never received a response. XXXX representatives state that they have updated the loan servicer and the complaint is closed. I'm incredibly frustrated because I have made more than XXXX qualifying payments and now that we are entering repayment, I do not know what to do regarding my student loans, which should have been forgiven. It seems like the XXXX entities, Mohela and XXXX are not communicating with each other. I have called Mohela at least XXXX times since XX/XX/XXXX to try to get this resolved and have been told to be patient. There is a clear error somewhere and the XXXX entities need to clear it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

I was unable to open an account at 2 banks in Maryland ( XXXX XXXX XXXX and XXXX XXXX ) because of something on my Chex systems report. My name is XXXX XXXX and NOT XXXX XXXX, XXXX XXXX is my husband, this login is under me, I just checked so not sure why my complaint is being attached to the wrong name. Anyway, my Chexsystems report contains NO REPORTED information, so it is unclear how the bank says Chexsystems is putting a block to me opening a new account.
Product: Checking or savings account

I am new to Discover Bank and i put a small amount in the checking account to test it before I make the full switch to them. Today, XX/XX/XXXX, I tried to use my card for gas and it was declined NSF. I called and was explained that it is because the gas station will put an authorization sometimes up to {$100.00}. I do understand that so I spoke to the gas station and I was told that, that usually happens with credit cards however debit cards it is usually {$1.00} ( I have {$75.00} in the account ). Ive had {$10.00} in XXXX XXXX before and was still able to buy gas for that amount. I then tried to use it for XXXX and XXXX XXXX XXXX, which both were declined. I called Discover Bank and they did not see the attempt for either two. The explanation was to contact the two companies and really no other answer was provided. I should not have to, it is time consuming, this is not a problem a consumer should be resolving and honestly I do not have this issue with XXXX XXXX or my local credit union. I did close my account with Discover but it was sad because I had such high hopes for Discover as I had such good experiences with their credit card.
Product: Debt collection

on XXXX I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD XXXX breach I notice accounts being open in my name without my permission. the following accounts are not mine FEB/GFSCS-RETAIL XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

I have an account with Bank of America. I transferred XXXX XXXX $ to my mom to XXXX in dollar to her dollar account at XXXX. I paid the {$45.00} transfer fees. My mom received only XXXX XXXX . XXXX is not taking responsibility for the shortage of the money. They claim this is what they got. I also complained at Bank of America, but they are not taking responsiblity either. I need help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX All those above accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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: Checking or savings account

On XXXX XX/XX/2019 I opened a checking account online, made initial deposit and on XXXX XX/XX/2019 received all the documents including a debit card. The same day around XXXX XXXX, I signed up for : - online banking -mobile deposit -online bill payment -online transfer from bank to bank -card-less ATM access Right before The first mobile deposit. Then I deposited three checks using mobile deposit. Out of the three checks two was my hard earned pay check and the third one was a rebate from my health insurance Company XXXX. All checks were legitimate and cleared by the issuers bank. But Wells-Fargo Bank within 12 hours of deposit ( at XXXX XXXX on XXXX XX/XX/2019 ), with out giving me an opportunity to prove the legitimacy of the checks, claimed counterfeit and decided to close the account on XXXX XX/XX/2019. Which blocks access to all banking features including deposits. I tried to reach out to all relevant departments of the Bank, but Ive got no resolution. Instead I was treated like a fraudster and told the same story that I deposited a fake check even though I provided proof for legitimacy of checks deposited. I have not lost any money or valuables in this process, but my constitutional rights were violated. I didnt proceed with legal action because I found no provable damage to my reputation. This doesnt assure me that the damages were not there unless the bank says so. when I find such damage before they act, we will be discussing in a different circumstances. Today I filled this complaint after my own research about the banks history not just to resolve my concerns. Also because I believed Wells-Fargo Bank have been engaged in a fraudulent activity. Data shows that success of a Bank is partially measured by : - 1 number of customers 2 number of online banking users ... etc. 
Its not a secret my account was closed right hours after I signed up for all of the services.
Product: Credit card or prepaid card

Please see attached detailed letter that documents events. The Company has not appropriately or timely attended to my several attempts to notify it of fraudulent use of the card. As of today, I am unclear on what is the status of my claim, nor even if it is being processed, due to a number of confounding and confusing communications and processes by the Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

XXXX made a payment to my credit card, accidentally paying the balance in full, {$16000.00}. 

To my surprise I immediately called credit card company to stop the payment, they told me it was too late and to wait till the 8th when it posted and cleared. 

This placed me in the most intense financial hardship as my account was overdrawn for over {$10000.00}. Within 2 days my overdraft protection kicked in and I waited. It was still difficult as I had bills to pay and only enough available credit to cover the payment. 
A few days went by and i noticed my chase card was a zero balance, paid in full. When the 8th came around I i immediately called chase to reverse the payment. 2 days later it was reversed and I paid my overdraft account and all was back to good. 

The next day i checked to ensure my min payment was made to chase credit card and my balance was restored only to find that i now owed over {$33000.00}. I immediately called and the agent made me feel good believing it was a Clerical mistake as someone also processed a reversal, i told her it was odd because i didnt get another deposit so where is that reversal money they have now charged me. 

2 days later im told by chase the payment team reviews and its correct. They continue to tell me my payment never cleared! It cleared alright! I was penniless for almost a week and overdraft protection charge of {$10000.00} that i had to pay back I have called many times and I am at a lost with no place to turn. I have demanded proof and yet to receive anything, my credit immediately dropped to poor and so did my husbands. This cant be happening! We just retired from th military after 20 years and have just began to open our business. This is messing with my livleyhood and we have no recourse. 

Please someone help
Product: Money transfer, virtual currency, or money service

Blockfi XXXX which guarantees my wallet money is custodied not allowing me to withdraw my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX 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 or other personal consumer reports

I recently observed all three credit reports with my name, my address, and job inaccurately being reported. XXXX, Transunion, and XXXX received copied proof for my reports to be corrected by now. I sent copies of my Driver License, my Voter Registration Card, Social Security Card, and my XX/XX/year> Final Divorce Dissolution signed by Senior Judge XXXX XXXX XXXX. To this date nothing has been corrected and errors continue to be reported even though every agency has been made aware of the incorrect reporting errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL INQUIRIES DATED FROM XX/XX/XXXX THROUGH XX/XX/XXXX EXCLUDING XXXX XXXX XX/XX/XXXX. EXCLUDING XXXX XXXX WAS NOT AUTHORIZED BY ME NOR MY CONSENT
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

In XXXX of XXXX, I placed a FOIA request for specific information concerning student loans that was sent to the Dept of Education. The Dept of Education failed to provide all the information requested at that time so I placed a 2nd FOIA request in XX/XX/XXXX and outlined information I would like to be provided concerning student loan debt along with additional information. 

Included in my request were items as listed 1. Offer 2. Acceptance 3. Consideration 4. Mutuality of Obligation 5. Competence and Capacity 6. Written Instrument I also requested from The Dept of Education servicer information 1. Assignment information 2. Terms and conditions 3. Borrower Acknowledgment Which is Federal laws and State laws for my state of TN. 

I also requested I be provided any securitization information ( XXXX  ; Hedge Funds etc ... ) Additional request : Original paperwork Chain of title Assignments ( Please see email attachments ). 

I requested all the information provided notarized by of individuals who can testify under oath and utilized in a court of law. 

As of todays date, XX/XX/XXXX, I have not received any of the requested information. Fedloans, who has only stated they are servicing the loans, without the requested paperwork from ( Dept of Education ) or anything provided by Fedloans, or following Federal or State law requirements and in violation of TCPA ( Tenn Consumer Protection Act ). 

I applied for a Deferred/Forbearance of any loans Fedloans stated they have in their records.in XX/XX/XXXX. They took those loans out of deferrment/Forebearance the next month XX/XX/XXXX and have been trying to collecting over {$100000.00}. 

Licenses are also required to come into the State of TN. 

Please review : No. 19-2116 IN THE UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT Commonwealth of Pennsylvania, Plaintiff-Appellee, v.

Navient Corp., and Navient Solutions LLC, Defendants-Appellants. 
On Appeal from the United States District Court Court for the Middle District of Pennsylvania Hon. Robert D. Mariani Case No. 3:17-cv-01814-RDM
Product: Credit card

On XX/XX/2023 my Home Depot account was used at a store XXXX miles away from my residence in XXXX XXXX XXXX. I received an email from Home Depot about the suspected fraud and I called Citicorp immediately to dispute it as I was at home at the time. I also cancelled the account. On XX/XX/2023 I received another notification that my account was used a second time at the same location, while I was also at home. My wife can verify both times of my location. When I called Citicorp and asked how can they used a closed account I was told that a new account was automatically opened and the new account was used. I did not ask for a new account and was unaware that one had been opened. After a couple of months the first charge was reversed. The second charge is still on my account as of today. I filed a complaint with my local police after some digging they found video of a couple, not my race, making the purchase. I called the Citicorp fraud dept and told them the new information and they asked me to send me my drivers license to verify my identity. I sent it in early XXXX of 2023 and on the XXXX statement the charges were reversed. On the XXXX statement the charges were reinstated without any notification from Home Depot or Citicorp. I called again today and am going through the same run around as I have done for the past year.
Product: Vehicle loan or lease

I have an issue with the fact that I am so upside down I cant trade my car in. No one will take my car because I owe XXXX and my car is only worth XXXX. I need some answers
Product: Mortgage

My wife and I short sold our home in XXXX. The home officially was sold on XXXX. Settlement was reached with GreenTree Servicing and account was closed in XX/XX/XXXX. At some point since then Ditech Financial merged or assumed control of GreenTree Servicing. In XX/XX/XXXX Ditech Financial reported to the the credit bureau that we were over 150 days late with payment. As stated before the account was closed in XXXX. I have attempted to resolve this with Ditech repeatedly to no avail. They consistently promise to send me documentation indicating that the mark will be removed from my credit and spelling out there was no missed payment in XXXX. I contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. Each time I speak with them I am told a letter will be generated and emailed to me with 3 business days, however, I have never received anything. I also sent a certified letter to Ditech mailed out on XX/XX/XXXX. I filed a dispute with XXXX credit bureau on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans with University XXXX XXXX XXXX. I have never made a late payment and had a lot of issues with them overcharging me these past few months. I just got those resolved and now on me and my mom 's ( who is a cosigner ) credit reports on TransUnion it says there are 14 missed payments and our credit scores have gone down signficantly. 

My disputed the report which TransUnion denied on XX/XX/XXXX. She also called and emailed on XX/XX/XXXX XXXX XXXX which provided no response to the email in the past month after saying the issue was being escalated and were extremely rude and not helpful on the phone. 
I have disputed on my report now with TransUnion but it is unclear whether the problem is with TransUnion or XXXX both of which have been unhelpful. I have many many issues with XXXX actually taking action to correct their errors in the past and need it to be resolved soon so our credit scores can go back to normal.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my consumer report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 95-506, Title Vl, Section A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. Please send me an updated copy of my consumer report after your reinvestigation.
Product: Checking or savings account

On XX/XX/22 XXXX Wells Fargo came under the conclusion that my bank account would be canceled due to fraudulent charges and activity that was made on my account when I was out of town and someone had broken into my apartment and taking my debit card and deposited checks and also withdrew from the ATM my account was negative {$400.00} when they close my account and they are holding me fully liable for the overdraft charges and practically said sorry but we can see on the video it's not you withdrawing or depositing any checks but we're still going to judge it as me giving that person my PIN number so they can defraud my account I feel that they're determination of the situation was false it wasn't me that did those transactions but they still seem to blame me for it and left me high and dry owing them money even though there was a lot more than {$400.00}. XXXX taken from me out of that account very disappointing.
Product: Mortgage

Received a property foreclosure notice by mail from XXXX XXXX XXXX XXXX XXXX, XXXX. XX/XX/2019 for the sale of my home by mail XX/XX/2019. Tennessee law states the homeowner is suppose to receive the foreclosure notice 30 days prior to the sale date. 
I have submitted a modification request to my mortgage company Shellpoint Mortgage. 
I don't want to loose my home. 

Please, Please, Please, Help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX reporting under account # XXXX is a up to date current closed account that was paid in full that wasn't a charge-off. It has come to my attention that in 2017 for the months of XXXX, XXXX, XXXX and XXXX they have marked across all 3 bureaus XXXX, Equifax and XXXX 30 day, 60 day, 90 day and 30 day late payments respectively when this is inaccurate and incorrect. I have made all payments on these accounts on time and have never been late once. I am in the process of going for an apartment and due to these late payments they have severely impacted my credit where I can not qualify for an apartment because my credit is shot due to this. I need this account updated with the right correct payment history as current and up to date on payments.