23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated an Internal Wire transfer from my account in Bank of America to XXXX XXXX  in XXXX for an amount of {$17000.00}. The process was initiated and completed via the Bank of America XXXX app. It is more than 8 days the money has not deposited to recipient account ( my XXXX account ). XXXX XXXX  in XXXX asked my brother to get the XXXX document from BOA to trace the money. I reached out to BOA and BOA did not provide the XXXX document. I reached to the banking center on XX/XX/XXXX for help to trace the money transfer, but they refused to help and asked me call the customer service. I called XXXX XXXX XXXX since XX/XX/XXXX, and I was asked to call back after an hour since there systems were down. I tried calling very hour till XXXX XXXX XXXX and heard the same response ( systems down ). XX/XX/XXXX I called XXXX BUT I WAS put on hold for hours and was not able to talk to a representative to get this resolved. This money was for my personal investment and it is impacting be due to this delay. Please see the attachments for more details of the communication and transitions details.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. They are reporting a charge off on several accounts that have been closed without my consent. That debt then became a credit tax write off for XXXX  XXXX and is now taxable income for me. However I have NEVER received a XXXX cancellation of debt form from XXXX XXXXXXXX for anything they are reporting and this is inaccurate and should be removed. The cancelled debt is being filed on companies taxes and also reporting on my credit report as a debt. This is a violation of 15 USC 1681 eb as there should be maximum accuracy on the consumer report.
Product: Vehicle loan or lease

my name is XXXX XXXX I brought a XXXX XXXX XXXX in XXXX i was in the military and we got XXXX during covid I had to switch my bank overseas, when i tried contacting them i got no answer. when i came back home from XXXX they reposes my car so i called them to see if i can get my car back the person told me they sold the car, and i have to take it up with a debit collector. and i paid {$1500.00} to get it off my credit and nothing happened
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Complaint of the {$4.00} per day charge to carry this loan, not on invoice with the monthly charge of {$33.00} on XX/XX/year> mailed invoice. This call to Foundation Finance on XX/XX/year> at XXXX. After communication complaint to the company an online complaint was filed by the XXXX XXXX XXXX XXXX Wisconsin # XXXX. Referred to your division was my initial complaint to the Department of XXXX XXXX XXXX XXXXXXXX.
Product: Mortgage

I received a check for {$1500.00} from Wells Fargo for an internal error on a modification of my loan I had with them. They claimed to have made this error but would not tell me exactly when this occurred or specifically what was done incorrectly but that only in was in regard to the term of the loan, the interest rate, or the principle balance. They sent me a XXXX letter saying if I was wanting to go to mediation that they would pay for it and REQUIRED me to answer how much money I was seeking. They also stated that my first phone call was not documented in their system. When I asked if this check was in response to the CFPB actions against them they said that it was not, and had occurred sometime between XXXX of XXXX and XXXX of XXXX. 

In summary, I do not know what this check represented or how it really affected me. I also feel if they are paying for mediation, I will not be represented fairly.
Product: Consumer Loan

A late fee was assessed on Sunday, XXXX by Key Bank. Electronic Payments are not processed on weekends and payment was processed by my bank on the next business day. 
This practice is a violation of consumer protection laws.
Product: Student loan

My direct loan in amt of XXXX was taken overy by XXXX..I lost my job and qualified for deferment. Navient took over my loan but never contacted me to tell me this..when my year deferment was up I contacted XXXX XXXX to see about XXXX deferment and was told navient had my loan. I called and left numerous messages with no call back and last year they took our entire income tax return of over XXXX with no letter or notice. I called dept of student loans and was told my balance was {$7500.00} and was in collection. This was balance after XXXX return was applied. So they are taking my tax return again this year. How can I pay a student loan if no effort was made to tell me who owns the loan? So now I have defaulted loan..and no job and my credit is ruined
Product: Prepaid card

I was sent a card through an advertisement that I did not request or need. With my name already printed on it with a card number ready for activation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not removed the information, fraudulently listed on my credit report. 

The following inquiries need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX i added 7 year fraud alert and equifax did not add the extended fraud alert. 
all accounts are fraudulent i never opened any of the accounts. Also, I have a letter from equifax that they removed the information. However, the following month they reappeared. Equifax receiving kickbacks from companies to maintain fraudulent information on respective reports. Equifax is run by a consortium of scam artists and will not exist by the next fiscal year. 


equifax needs to MAIL ME RESULTS I AM OPTING OUT OF WEB BASED " E-FILE '' RESULTS PHYSICAL MAIL ONLY social security XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was opened by fraudsters using my personal data on XX/XX/2021 in the amount of {$16000.00}. 

I have tried several times to resolve this matter with the credit bureaus and the creditor itself. They XXXX XXXX XXXX XXXX XXXX and tell me to either speak to another company or to take other steps that have bene already provided. 

I have sent government documents from the Federal Trade Commission. No effort was conducting in removing the fraudulent items.
Product: Credit reporting or other personal consumer reports

The details of the fraudulent accounts are as follows : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Everything started towards the last week of XX/XX/2019. I was stuck on a flood and my vehicle was totaled. My auto insurance company XXXX ran a title check and came to find out the bank in which we been paying the vehicle for 2 years didnt have the title it was under a different bank. A brand new vehicle we financed with M & T bank and the tittle was under XXXX XXXX. Long story short it has now been 2 months since XXXX has not manage to pay the loan since every time they call, I call they said its XXXX XXXX fault for sending them the tittle I have been calling this bank every week for the past 2 months to get this resolved. I have now tuck paying two loan because of their mistake. Every time I call I get a different answer. Im glad all the calls are recorded ... I have tried reaching out beyond the call center with no success.
Product: Money transfer, virtual currency, or money service

Initiated {$7500.00} ACH transfer on XX/XX/XXXXfrom checking account to Coinbase account ( US dollar wallet - no currency conversion involved ). Coinbase site states 3-5 business days until money will be available in my Coinbase USD account. 

{$7500.00} left my bank account the next day on XX/XX/XXXX. It is still not deposited into my Coinbase account. The max timeframe of 5 days has already passed. 

Coinbase website states they have degraded service due to currency conversion issues. However, there is no currency conversion involved in my order. A simple ACH transfer of {$7500.00} from my checking account to my USD wallet at coinbase, there is no conversion involved so this should not be delayed. 

Coinbase is keeping peoples ' money a lot longer than they say they will. XXXX is full of users with the same complaint. 

I have tried to contact Coinbase but their support is non-existent. Suggest to fine Coinbase and/or revoke their license.
Product: Mortgage

When I spoke to them they said there was a 15 day grace period. They charge the fee right away not allowing the grace period to be given to the customers. The phone number listed don't work ; they only give two options and disconnect. Only option is a live agent ONLINE and they are always busy. No service or help. Takes days to get a hold of them. 

I need helpXXXX XXXX and can't afford these late fees each month. The grace period needs to be honored.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a friend of mine sent me XXXX dollars in bitcoin for my rent and for my daughter 's medication the money has now been taken by cash app and they are refusing to release the funds or even send them back to my friend so he can send them using a more reliable and professional banking provider they originally claimed my money would be available in 24 hours that was a week ago now they are refusing to do anything they are holding my bitcoin to profit off the climb in bitcoins value that is rising rapidly and expected to continue to climb then if they even ever do release my bitcoin it will be at the value it was originally sent at earning them hundreds or even thousands depending on the market its a scam that is threatening my children 's well being and even lives because of their greed and awful ethics
Product: Bank account or service

Hello, I purchased a XXXX Prepaid Visa debit card at XXXX on XXXX XXXX, 2016. Then I paid for a value of {$500.00} to be entered into this same card - payment was not w/ another credit card or a cheque but w/ cash. The XXXX clerk who sold me the card, said my card was activated as she handed me my receipt & the receipt also states that the card was activated. 

However, I think less than an hour after buying this card, I tried to use it - but the card did n't work. Seeing that my card did n't work, I went to XXXX to get my money refunded, only to learn that they would instruct me to call a toll free # XXXX. When I called to get a refund, I was told ( I think this was less than 2 hours after I bought the card ) I would have to scan & then send a copy of : the purchase receipt for the card, a copy of a utility bill w/ my name on it, my passport, a letter stating I want a refund, as well as front & back pictures of said card to I believe their Fraud Department, which I would eventually do, exclusive to the copy of the utility bill. Further, I was informed it would take at least 1 month for my refund cheque to be sent to me ... that 's it would take 1 month to get my money back from a simple cash transaction & I would still be getting a cheque at that. 

I 've sent this company all the required scanned copies of what they 've requested, except a copy of a utility bill w/ my name on it because I do n't have XXXX. I 've been in contact w/ this business via their toll free number & XXXXXXXXXXXX but The last email I received from them was XXXX XXXX, 2016. 

My case number for this matter that the firm assigned to me is XXXX & an earlier number they gave me is XXXX. 

I 've been directed to these websites : XXXX XXXX : XXXX? XXXX The reason I 'm contacting your office is twofold : I would like a complete refund for this card which I 've never used to make a purchase - which has never worked - that still has {$500.00} credited to it. Furthermore, I 'd like to file a consumer complaint against this company as well as XXXX, as they provided me no warning for the possible pitfalls in purchasing this debit card. 

I 've now waited more than 4 months trying to get a refund, spending hours writing emails, paid money making phone calls contacting them, etc. Given that this is a matter of an ordinary cash transaction, this has become quite simply - the most disgusting experience I 've ever had w/ a company as a consumer in my entire life, anywhere in the world. 

Could you assist me? 

Regards, XXXX XXXX
Product: Credit card or prepaid card

1. I am currently on a repayment plan with JC Penny Synchrony Bank of {$64.00} per month not {$120.00} per month. Since the XX/XX/2019 a payment of {$120.00} per month has been taken out of my checking account from XXXX XXXX XXXX. 

2. I have sent JC Penney Synchrony bank numerous emails informing them of the discrepancy with my JC Penny store credit account bill. 

3.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate 129 disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

In XX/XX/XXXX I lost my job and was struggling finding a new job. I finally found a job in XXXX but at that point I was already 2 months late. When I finally had enough to make the payment I wasnt able to pay any less than {$4500.00} or 3 months of payments. I applied for a government assistance grant through XXXX XXXXXXXX in XXXX, but the program wouldnt pay anything if I made any kind of payments. Finally by the middle of XXXX they made the payment and I wasnt delinquent anymore. Im just asking for removal of the credit marks from that time so I can buy a new car soon.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX : XXXX XXXX : XX/XX/XXXX **Experian** XXXX XXXX XXXX XXXX, TX XXXX **XXXX XXXX, XXXX XXXXTo whom it may concern : ** I am writing to express my severe disappointment and frustration with Experian 's handling of my credit disputes. Your recent response stated that the accounts listed on the FTC report were not present on my credit report. However, upon reviewing my most recent credit report, I found that the XXXX XXXX XXXX and XXXX XXXX accounts are still listed, contrary to your assertion. 

XXXX XXXX XXXX Reinserted Items : XXXX. XXXX XXXX XXXX - XXXXAccount Number : ** XXXX - **Status : ** Account charged off. {$7900.00} written off. {$7900.00} past due as of XX/XX/XXXX. 
- **Balance : ** {$7900.00} - **Date Reported : ** XX/XX/XXXX - **Remarks : ** CONSUMER STATEMENT LITIGATION PENDING. 
- **Payment Status : ** Collection/Chargeoff 2. XXXX XXXX - **Account Number : XXXX XXXX - **Status : ** Account charged off. {$4500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
- **Balance : ** {$4500.00} - **Date Reported : ** XX/XX/XXXX - **Remarks : ** CONSUMER STATEMENT LITIGATION PENDING. 
- **Payment Status : ** Collection/Chargeoff These accounts were previously confirmed as deleted following my disputes, as documented in the following CFPB complaints : - **CFPB Complaint No. XXXX ( XXXX XXXX XXXX ) - **CFPB Complaint No. XXXX ( XXXX XXXX  ) Your failure to accurately maintain my credit report and the reinsertion of these accounts without proper notification is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). This incompetency has significantly impacted my credit score, causing undue stress and suffering in my personal and financial life. 

I demand that these accounts be immediately deleted from my credit report within 24 hours. Your prompt action is required to rectify this situation and to prevent further harm to my credit standing. 

I am enclosing copies of the relevant documents, including the recent Experian response, the latest credit report, and the CFPB complaint responses confirming the deletions. I am keeping detailed records of all communications regarding this matter. 

Please investigate this issue promptly and confirm in writing that these negative items have been permanently removed from my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried to send my mother in law money through Venmo through my balance on venmo.she did not get a notification so I cancelled it and tried to do it again.my account was then Frozen with no explanation. I called several times and then was initially told that someone from an account specialist team would reach out to me within 6/7 business days on the XXXX when the 7th business day was up I called again and was informed that my case would be escalated for a second time and that I needed to wait another six to seven business days and then they asked me to send them a picture of a photo of my license with me next to it I submitted all documents on the XXXX that I had and was told to wait another 6 to 7 business days. I did that now it is Monday XX/XX/XXXX and no account specialist has reached out to me my account has been frozen with {$6700.00} verified from the IRS in my account no one is giving me any answers I'm getting misinformation I've contacted several supervisors to no avail they're just holding my money and not telling me anything I submit it all proper documents and they were accepted.please help me.i have emails of all chat transcripts verifying
Product: Credit card

On XX/XX/2023 I realized my credit limit was reduced from { {$12000.00} } to { {$6800.00} }. The result is a substantial injury to me by interrupting commerce and causing harm to my livelihood as I am the original creditor to this agreement as consumer credit was utilized and extended to open this account. In accordance with the FDIC Laws and Regulations, I assert there has been a Violation of TILA, FCRA, ECOA, CCPA. - Violation 15 USC 1637 ( I ) ( 2 ) In the case of any credit card account under an open-end consumer credit plan, a creditor shall provide a written notice of any significant change, as determined by rule of the XXXX, XXXX the creditor and the obligor, not later than 45 days prior to the effective date of the change. - Violation 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA An act or practice is unfair when it causes or is likely to cause substantial injury to a consumer which can not be reasonably avoided - 15 USC 1681 ( D ) ( 6 ) a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested, shall be disclosed to consumers Within thirty days prior to making changes. The harm associated with the actions by Citibank include a XXXX decrease in credit score, denial of funding for my business ( livelihood ) which limited the ability to maintain critical business continuity.
Product: Checking or savings account

A filed a dispute with Kabbage regarding a purchase I made with my checking account debit card. The order I made was missing items and the item I did receive was not as described. I told them the website I ordered them from was no longer up and I couldnt contact them. Kabbage refused to investigate my dispute. This is the first bank to every deny a request to investigate a charge made on their card. Ive enclosed the reply I received from the bank
Product: Credit reporting or other personal consumer reports

I am writing to a file a complaint regarding charge-offs listed on my credit report. These charge offs should be removed from my credit report and any associated negative impact on my credit report. Code 15 USC 1681e ( b ) supports my reasoning. XXXX XXXXXXXX XXXX XXXXXXXX the account was closed on XX/XX/XXXX the debt is {$4000.00} and was charged off as a bad debt and canceled by credit grantor and sold, XXXX XXXX XXXX XXXX closed on XXXX XXXX charged off as a bad debt and canceled by credit grantor and sold, the debt is {$2500.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX charged off as a bad debt Profit and loss write off the debt {$14000.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX canceled by credit grantor, the debt is XXXX. I was not provided with a form 1099-C for the canceled debt, which is mandatory under IRS regulations . This further complicates the situation and highlights the need for a thorough investigation into the accuracy of the reported charge-offs. I am seeking the removal of the charge-offs and any associated negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to reopen the previous CFPB claim : XXXX Citi resolved the problem last time and corrected their mistake to removed the records from my credit report. But Citi reported the wrong record to credit bureau again. 

This problem has ruined my credit for many years, during which Citi corrected their mistake twice after long-time communications. But Citi reported the mistake for the third time. 

I attached the result and their response last time, and my current credit report. 

I had a Citi credit card in XXXX. Citi charged me an annual fee in XXXX XXXX for the coming year so I closed my account. I was told by Citi that they would remove the fee because I have closed my account. However Citi did not removed the fee and did not sent me any communication and sent the balance to collection agency in XXXX. I started the dispute process in XX/XX/XXXX, and after many many communications, Citi admitted the mistake and agreed to write off the balance. Citi also told me to contact their CBR department to correct the credit report. I faxed the dispute to CBR in XXXX, XXXX. But Citi has not corrected the report up to now. I contacted them again in XX/XX/XXXX after I found out during my mortgage application. Citi is not correcting the error.