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

My husband and I recently sold our house and made a small profit of {$230000.00}. We received the check from the attorney of the buyer. We opened up a Bank of America account together on XX/XX/XXXX. I originally had XXXX Bank of America checking accounts, but they wouldnt let us deposit it because the check had both of our names on it and my accounts only had my name. The check was deposited on XXXX. The next day we transferred part of the money to savings and paid off any debt. On XX/XX/XXXX my husband was buying a new car. He went to Bank of America to get a bankers check for the car and they wouldnt let him. I had to leave work and go get the check. That same day all of my account were frozen, my card was declined and I had no access to the money. I called and waited on hold for XXXX minutes before they told me there was nothing they could do. There was suspicious activity and they needed to look into it. The next day XXXX, I called again and was on hold for more than hour. This time they explained that the new account was open and a lot of money was moving around and they needed me to verify everything. They immediately gave me access to my money. This week, XXXX XXXX weeks later, my card was declined at the doctors office. My accounts were frozen and I had no access again. I assumed because I tried to put a large transaction on my card. I called Bank of America right away on XX/XX/XXXX, and was on hold for XXXX XXXX hours. I missed a meeting at work. They said my account were frozen because they needed to verify the check for {$230000.00}. The check that deposited XXXX weeks prior. I asked how this is happening again and that I took care of it. They argued and said there is nothing they can do u til they verify the check. I called back the next day and was on hold for XXXX hours before I had to hang up. Today XX/XX/XXXX I called again and was on hold for XXXX minutes. They told me the same thing. I will not have access to any of my accounts or money until the check is verified. I asked how they need to verify and they said they need to hear from the person who wrote the check. They also said that if they leave a message they will have to call back and wait on hold. If I have had to wait on hold for usually an hour there is no way an attorneys office will have the time or patience to do that when it is not their job. I asked Bank of America how this is still happening XXXX weeks later and they said they didnt know why it wasnt verified. They said that I will not have access to my money. My bills are not being paid. I can not use my card to buy groceries or put gas in my car. I do t have the time to call and wait on hold for hours. I work at a school. I need my money. This is not my responsibility and Bank of America is not doing their job and it has now affected my job, my health care and taken hours away from life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors 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 information in my credit record that came about due to alleged fraud or extortion. 
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Product: Credit reporting or other personal consumer reports

I am being disregarded as a consumer in law. I know my rights and will not allow this bank to continue to disregard their duty to fully verify the entire accounting of the information they have reported about me since inception of this account.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than XXXX  days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX  business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX Account Number XXXX My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX XXXX Account XXXX My data was affected by the XXXX XXXX breach , resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.
Product: Mortgage

Im delinquent on my mortgage payment since XX/XX/XXXXXXXX  but that same month I tried my very best to pay in the amount of {$6200.00} hoping I could keep my house. Then on XX/XX/XXXX, I sent another {$4800.00} to mitigate the delinquent amount. My financial situation is in deeply affected due the following reasons : 1. COVID-19. 
XXXXXXXX XXXX XXXX in my family-a brother that eventually died last XX/XX/XXXX. My financial for hospitalizations was necessary for his treatment prior to his death. 

XXXX. Some car and home central A/C system expenses that triggers also the increases of utility bills. 

I have so many outstanding debts due to above reasons. 

XXXX Loan Portfolio rejected my appeal give us another/extend of repayment period to the delinquent amount
Product: Credit card or prepaid card

On XX/XX/2022, I saw that Barclays decreased my credit limit by half. Initially my credit limit was over {$7500.00} ; then they randomly decreased it to {$4500.00}, now they've decreased it again to under {$2000.00} with no explanation given. 

I believe this was done in retaliation to a complaint I made to Barclays customer service department on XX/XX/2022. 

I made a complaint to Barclays on XX/XX/2022 due to bad customer service in relation to the XXXX XXXX fees added to my account. I expressed to the rep that I unknowingly used the Barclays card for a XXXX XXXX not knowing this was considered a cash advance. I was charged XXXX times for a XXXX XXXX fee on the same XXXX. Had I known about the fees, I wouldn't have used the card XXXX times. It's incomprehensible to knowingly make that type of mistake. The customer complaint case number is XXXX. 

Retaliation because of a complaint is unacceptable. There decisions to continuously decrease my credit limit negatively impacted my XXXX XXXX, which is interfering with my livelihood. 

I've never paid a bill late in the XXXX XXXX I've possessed the Barclays card, and I am greatly dissatisfied with their actions. 

Whenever I ask to speak to a customer rep, the call is outsourced to someone foreign, making the communication extremely difficult.
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXXXXXX, XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company "Perfection Collection” XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX is has been reporting an alleged debt on my credit file, that is inaccurate and unenforceable. They are a third-party purchaser I notified them in writing on XX/XX/XXXX to remove the information. They are still reporting the debt as open contract that begun in XX/XX/XXXX, when in fact this contract begun XX/XX/XXXX (see attached). In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment (OCGA 9-3-24). The Fair Credit Reporting Act, or FCRA states that most negative items must be removed from your credit report seven years from the first date of delinquency. This account is (14) years old there's hasn't been any payments made on this account since XX/XX/XXXX.
Product: Debt collection

I canceled my policy with XXXX. They have acknowledged this but this company continues to try to purchase the debt.
Product: Payday loan, title loan, or personal loan

Requested in XX/XX/2020 and approved for a Consolidated Loan in the amount of {$28000.00}. Interest Rate 14.54 % of amount borrowed = {$4000.00}. However, NFCU 's interest rate calculation of 14.54 % = {$9500.00}. How? Upon complaining, NFCU forwarded an " the initial abusive interest rate Ammortization Statement '' ... is attached along with prior documents requesting a " TRUE calculation of interest rate  CORRECTION of Consolidated Loan to NFCU, XXXX, VA. The XXXX   assistance is requested in this NFCU Dispute. I've paid {$1600.00} toward this loan and over HALF of this PAID monetary dollar amount {$900.00} has GONE to INTEREST. AGAIN, how on an 14.54 % interest rate loan? Please Help. Looking at the numbers .... there is a sense THAT the calculations are incorrect. Best Regards. XXXX XXXX XXXX, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have obtained my credit report and notice that there is unauthorized information in my name being used on my consumer reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my consumer reports. I believe I may be a victim of identity theft. I have a security lock on my consumer report, and I was not alerted to this information being authorized on my reports and I am demanding that they be deleted/removed from my consumer report as soon as possible. These items are fraudulent, and they have negatively impacted my relationships with creditors and caused mental anxiety. I reached out to XXXX, XXXX, & Equifax about these matters on numerous occasions requesting TO SEND ME EVERY DOCUMENT PERTAINING TO THESE ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. The only response I have receive from these agencies is this debt has been validated or verified and will remain on your consumer report with no documents or proof provided. Please investigate these matters and remove/delete the disputed items, as soon as possible Thank you. according to my federally protected consumer rights under the Fair Debt Collection Practices Act and Federal Credit Reporting Act below is a list of laws that have been violated. 15 usc 1681 c 2. 15 usc 1681 b ( a ) ( 2 ). 15 usc 1681 a ( k ) asa ( iii ). 15 usc 1681 ( a ) ( 4 ). 15 usc 1692 d ( 1 ). 15 USC 6802 ( b ) ( 1 ).
Product: Student loan

To : Mohela XXXX From : XXXX XXXX Subject : Loan Forgiveness Problems ( Part 2 ) I am a XXXX veteran and Im now a XXXX  in XXXX XXXX I have 20 years of XXXX  experience. I have XXXX  in XXXX, XXXX XXXX, and now XXXXXXXX XXXX I am notifying you of a problem I am having with the new amount that has been given to me to pay. I signed up for loan forgiveness back in XX/XX/2023 and received approval to have my loan forgiven. The majority of my loan was forgiven and my monthly payments were {$230.00} and {$49.00}. Now I find out the new payment amount is {$1400.00} and {$910.00} and the total amount I owe is back to the original amount. I do have copies of the information that was sent to me. I sent them copies of my forgiveness. not sure what's going on but this is not what I agreed upon to pay. 

I will continue to contact you via email because trying to contact you by phone is close to impossible. Based on the documents provided by myself to you both in this email and my documents in my MOHELA account. I was forgiven the amount of {$510.00}. The amount to be paid back is {$210.00}, XXXX. My payment was to be {$230.00}, plus an additional {$49.00}. You now have me back at {$710000.00}. Not sure how this happened but, I was approved by the Valuable Education ( SAVE ) plan. All the documents are attached. I will be awaiting your reply soon. Reinstate my forgiven amount XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion to get unauthorized inquiries removed from my report, I was told to contact the company who initiated it .... The company then told me that since there was no file / account with them that they had no record and could n't assist in the removal process. 

I received a copy of my credit report and the credit report show credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order These are the unauthorized inquiries I discovered on my report, please remove them immediately as my consent was not given for them to access my information. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Mortgage

Lakeview Loan servicing double charged my bank account for XXXX monthly mortgage payment. Left messages with customer service on XXXX and XXXX without a response. My bank account is now in the negative and I don't have money for heating or food this month. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX & XXXX Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against CB/VICSCRT in regards to account for repeatedly sharing inaccurate information with credit agencies, despite numerous attempts on my part to rectify this issue. Pursuant to 15 USC 6801- 6805 and the Privacy Act of 1974, I have explicitly exercised my right to opt out of the sharing of my personal and confidential information with credit agencies.

Despite my clear instructions, CB/VICSCRT has continued to furnish incorrect information to credit agencies, resulting in significant inconvenience, financial losses, and wasted time on my part. As a consumer, I have the right to ensure the accuracy of information contained within my credit report, as outlined in 15 USC 1681.

I have made multiple efforts to address this matter directly with, to no avail. Therefore, am now seeking intervention from the Consumer Financial Protection Bureau to resolve this issue effectively. I request that CB/VICSCRT be prohibited from reporting any further information and to delete all currently furnished information to credit agencies without my explicit written consent. 

I have enclosed copies of all relevant correspondence and documentation supporting my complaint for your review and investigation. I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights as a federally protected consumer. 

Thank you for your assistance in this matter. 

Sincerely,
Product: Mortgage

WELLS FARGO SHOWED THEY PAYMENT AS BEING LATE WHEN INFACT IT WAS NOT LATE. ALL PAYMENTS WERE MADE ON TIME. THE DATES OF WHICH THEY ARE SHOW AS LATE PAYMENTS ON MY CREDIT REPORT ARE : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint that I file against Transunion with CFPB for the exact same issue. Transunion marked the first complaint as completed but ignored my complaint and failed to resolve my issue. Transunions failure to comply with the FCRA is causing me financial harm as Im unable to apply for business line of credit due to a bankruptcy that is appearing in my Transunion credit report. The first complaint was filed on XX/XX/ ( complaint # XXXX ). Transunion has been negligent and has not provided me with the information that I requested under my rights under paragraphs ( 6 ) ( B ) ( iii ) and 7 of the FCRA. In summary, Transunion has failed to provide me with name, address, and phone number for the business they used to verify the bankruptcy that appears in my credit report. According to FCRA, I have the right to know the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. More details about this complaint can be found in the attached letter to the CFPB dated XX/XX/ along with the other attachments with letters to and from Transunion.
Product: Money transfer, virtual currency, or money service

Hi. Thanks for creating this platform, I have been using Coinbase For close to a year now and recently ( few days ) ago. XX/XX/XXXX, I had a friend of mine from XXXX send my BTC worth {$200.00}. They allowed the funds get into my account and then coinbase restricted my account.

I tried to send out the BTC and they wont allow me. 

For no reason. I contacted Coinbase support several times and they replied saying case closed, can not be reopened They gave no reason why my account was restricted, i am a verified user and I didnt violate any of them rules and regulations so I dont know why they could do this to a poor boy like me. I need that funds badly and they should fix this issue so I can get my funds out. 


I urge you CFPB to help me out in any way possible. 


Thanks
Product: Mortgage

We applied for a mortgage from Mortgage Master. The agent was XXXX XXXX XXXX XXXXXXXXXXXX XXXX The agent offered repeated verbal assurance that everything was in order. The day of the closing he said that his company was no longer interested in offering us a mortgage at that rate. We could not walk away from the purchase without a significant loss, as he was very aware while he had continued to assure us that a mortgage would come through. 

What we did was pay for the purchase with our own funds. I believe that the fact that we are careful savers proves that we are a good risk, and that there is no conceivable business reason to deny us the loan after we had fulfilled all the company 's requirements. My guess is that Mortgage Master thought that by putting us in a tight spot they would force us into a deal which was unfavorable to us, and did not reckon that we would simply walk away. 

Perhaps also there was bad faith with my wife 's woman-owned business. Some comments that the agent made arose my suspicion. There is no way we can prove that looking at our case alone, but a statistical analysis might establish a pattern of discrimination if it exists.