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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint and Cease and Desist Order Against XXXX XXXX XXXX XXXX, XXXX XXXX Equifax, XXXX, and XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX for multiple violations of federal laws and regulations, as well as against Equifax, XXXX, and XXXX for their XXXXoles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX continued to furnish information related to my account to Equifax, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX XXXX has breached its own terms and conditions by sharing my information with non-affiliates, XXXX XXXX XXXX, without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by Equifax, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to Equifax, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, XXXX, XXXX, Equifax, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

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

An unauthorized hard inquiry appears on my credit report with Equifax. I do not have now or have I ever had a XXXX account.
Product: Checking or savings account

i had some checks that were mailed to pay bills, stolen from a mailbox, washed, and then cashed fraudulently by the thieves. This happened in XX/XX/2022 over a year ago, and i reported the issue soon thereafter. The checks were written on two different banks- my personal account and on my business account. My personal bank cleared up that check ( for {$8000.00} ) last XXXX, 2022 and i was reimbursed for the total amount. 
the other check ( {$3000.00} ) is still outstanding. My business bank evidently is not able to get any response from the bank that mistakenly cashed that check. I believe that bank is responsible for the fraud and their error, and that they should reimburse me.
Product: Credit reporting or other personal consumer reports

In response to the last complaint filed, Opploans stated a 1099C is only filed when {$600.00} or more in debt is written off and that none of my debt has been wrote off and I'm still liable for the amount yet they are reporting to the agencies that the debt is a charge off. A charge off is considered income by the IRS and income CAN NOT be reported on a credit file. XXXX clearly states my debt was written off. See attached screenshot. 

I'm also disputing the amount owed because according to XXXX. opploans has severl lawsuits filed against them but due to the arbitration clause, they are all being done separately in arbitration. Indianas laws cap a personal loan at 21 % and this rate was well over 100 %. This is exactly what the class actions are about. I would really love to come to an agreement of removing the tradeline from reporting and avoiding litigation/arbitration as Opploans is already in very hot water as it stands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello all, I have disputed a negative remark on my credit report with all 3 major agencies for XXXX XXXXXXXX XXXX. The account number ends in XXXX. 

The inconsistencies center around payment information. They are mismatched on every single report. Some show payments, some say CO, so say no payment and they are all different. 

I know, through you, that if they can not verify then they can not legally report this. All three disputes have come back as verified but nothing has changed and all are inaccurate. Can you help?
Product: Checking or savings account

I am filing this complaint because I feel li ke wells Fargo has cost me lots of money with my overdraft fees telling me I needed multiple accounts to manage my banking and now I am broke and owe credit card money visa I want help and an Audit on all the accounts that wells Fargo opened up under my  name I can give you all accounts that I have known about about that they opened up their might be more I really do n't know but my credit is  XXXX .
Product: Money transfer, virtual currency, or money service

Coinbase will not allow me to send my crypto off their exchange, thus leaving my crypto at a higher risk of being lost.

When I try to send my crypto off the exchange into my XXXX XXXX I get this message : " Disabled sends for your security For your security, we have disabled sending crypto for XXXX hours. We apply this delay to protect your account from potential security issues or when you update security settings.\nHave questions? Contact us at https : //support.coinbase.com ''. 


I have been contacting them from before XXXX trying to get this resolve. They keep telling me they will escalate the request, but nothing happens and they do not let me know of any progress. 

I have a case # XXXX with them to no avail. 

I have tried to file complaints through their system 5 times, but they will not acknowledge the receipt. I started this complaint process on XX/XX/year>. 
Yesterday I spent ( XXXX hours by the clock ) on hold today waiting for them to answer their phone. They just kept telling I am in the quay. 

I would appreciate it if you would contact Coinbase and get this resolved. 
Coinbase should be able to look up my account through the case number. 

I can be reached at XXXX
Product: Mortgage

Chase has refused to respond to XXXX submitted on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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, credit repair services, or other personal consumer reports

XXXX  refuses to remove a foreclosure from my credit report even though it is well past the  7.5 year s beyond the FCR A Date of Compliance. Under FCRA 609 ( a ) ( 1 ) I d id request and receive a consumer disclosure file from each CRA in  XXXX  which detailed the Date of First Delinquency an d Date of Compliance  as  XXXX / XXXX / XXXX  as reported by the loan originator,  XXXX   XXXX   XXXX .      XXXX  purchased the loan from   XXXX   XXXX   XXXX    and at that time re -- aged the terms of the loan which is illegal and is being reported t o the CA State Attorney General,  XXXX , and FTC as part of this complaint. The unethical and illegal behavior which  XXXX  continues to harass borrowers with to extend the dates is ludicrous.
Product: Credit card or prepaid card

I have a consumer credit card with HSBC. I owed XXXX cents which was due on XX/XX/2021. Rather than write and mail a check for XXXX cents, I went into a branch and paid it in cash, receiving a receipt as proof of payment. I made this payment on XX/XX/2021, which was three weeks before it was due XXXX see attachment to this complaint ). I was told by HSBC that this was acceptable. To my surprise, I learned on XX/XX/2021 that they never posted this payment, and now it shows that I paid it late and received a late payment penalty. I attempted to correct this via phone on XX/XX/2021, but they were unable to help me, so I had to go to the branch where I made that payment ( HSBC, XXXX XXXX XXXX, XXXX XXXX CA XXXX ) to have this matter cleared up. So, I immediately went to the branch and showed them the receipt with the payment date of XX/XX/XXXX, and asked them to correct my payment record and reverse any late fee. I was assured by the Vice President/Branch Manager XXXX XXXX that the record would be corrected, reversing any late fee and showing that I paid the amount on time, on XX/XX/2021 XXXX not late ). Today, XX/XX/2021, I called HSBC to confirm that everything has been corrected. I spoke to " XXXX '' who, to my surprise, told me that the payment is showing as paid - but their records shows that I paid it yesterday ( late! ) on XX/XX/2021. I asked that the record be corrected - I do NOT want a late payment showing on my payment record - but she said that there was nothing she could do about it. This is not right - I did not make a late payment on my credit card account, and HSBC records should NOT show that I did. I want HSBC to clearly show in their records that I paid my credit card bill on time, three weeks prior to the due date, on XX/XX/2021 - not late! Also, Branch Manager Mr. XXXX XXXX should not have misinformed me by telling me that the payment date would be corrected to show that I made the payment on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report from XXXX XXXX. I never opened an account with XXXX XXXX. After speaking with someone when they attempted to collect, I was told this was a conversion from a XXXX XXXXXXXX Card that I had for XXXX XXXX. This card had a {$0.00} balance on it when it moved from XXXX XXXX as it was never used, and the replacement card was apparently sent to my old address at which point a balance appeared. 

So I have no idea where the balance on the card came from as I never had the replacement card sent to me at an address I could receive it, I did not enrol the card in any sort of payment or online portal ( as I was told by collector was done ) or anything of the sort. In fact, I had no idea the issuer had even changed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writi ng to follow up on my previous noti ce sent on XXXX XXXX ago from the date of this XXXX XXXX, regarding the dispute of certaininformati on in my credit fi XXXX. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX on Account XXXX below. 
I want to emphasize that I did not authorize XXXX  to use my name or personal informati on to obtain money, credit, loans, goods, orservices menti oned in this report. 
I did not receive XXXX  benefi ts, funds, goods, or services associated with the events described in the report. 
Furthermore, I have no knowledge or informati on about the individual ( XXXX ) who uti lized my personal informati on or identi fi cati ondocuments without my consent.
Product: Credit reporting or other personal consumer reports

I am a victim ofXXXX The information listed below, which appears on my credit report, results fromthat trafficking. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$1700.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$290.00}. 

XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/year> and a balance of {$8800.00}. 

Please block this information from my credit reportwithinfour business days, according to section 605Cof the Fair Credit Reporting Act
Product: Checking or savings account

I initiated an online transfer to occur on Friday XX/XX/2024. I did not see any notification after I completed the request online or receive any email notification over the weekend. Transfer is not visible under scheduled transfers or under the account details. I waited until Tuesday XX/XX/2024 and still didn't see any transfer activity in the account details or receive any email notification. Hence I thought I made a mistake thinking that I did not click the last submit transfer button. So, I initiated another transfer on Tuesday XX/XX/2024 for the same amount, from and to the same bank accounts. On Wednesday XX/XX/2024, it is still shown as pending with the words " Outgoing Credit ''. I called the customer service to find out what is going on with the transfer that I submitted on Tuesday XX/XX/2024 and spoke to someone name XXXX or XXXX. She was very courteous and told me that I have to wait XXXX to XXXX business days because the transfer is under review. I explained to her that I initiated a transfer last Friday, but wasn't sure whether I submitted that XXXX. She confirmed transfer on XX/XX/2024 was rejected, but couldn't tell me why it was rejected. So, I told her that I would like to understand the reason why the first transfer was rejected and I did not receive any notification and why the second transfer is also under review. She couldn't help me, so she escalated the issue to her supervisor. While she was doing that, I received an email from BMO Alto saying that the transfer on XX/XX/2024 was rejected in error and that I can submit another transfer. XXXX 's name is XXXX, he answered the phone in a very loud and rude manner, trying to intimidate me. He said an email was sent out on Saturday, that I didn't check my spam folder and asked me if I didn't receive any notification, why did I initiate another transfer for the same amount. He didn't want to listen and understand exactly what happened, instead he was just talking over me and being extremely rude. If he can't be patient and answer questions in a calm, professional manner, then he shouldn't be in the customer service profession or be in a supervisory role. I asked for his full name, but he doesn't want to provide it. He told me that there's nothing else that he can do help and was going to hang up the phone. 

I'd like to understand the BMO Alto 's process of selecting certain transactions to be under review. I'd like to understand why I'm not consistently receiving email notifications. I would like to see the transaction either under account details or somewhere else under transfer, showing that it was initiated and rejected. I'd like to understand why, we, as customers have to provide every detail asked of us, to get verified and the customer service supervisor can not even provide his last name. 

Thank you
Product: Mortgage

My wife and I lost our house in XX/XX/2021, and dealing with our mortgage company, Pennymac, has been a nightmare since day 1. It took them several months to release funds they received from our insurance company to our contractor so he could start rebuilding. We didn't start rebuilding until the end of XX/XX/2021. That's 7 months worth of building time we lost because of the mortgage company. And during that time, the cost of materials has increased an average of XXXX %, which then makes our insurance company hesitant to release additional funds to the mortgage company because it's over and above their estimate, which was done in XX/XX/2021. While we are doing some upgrades to the house, so our XXXX generation family can be more comfortable than we were before we lost our home, we are prepared to pay for those out of pocket. However due to Pennymac delaying the release of the funds, we have had to pay our contractor over {$60000.00} of our own money to allow them to continue building up to where they are now. Pennymac has finally released an additional $ XXXX, but this will only get the rough electric and rough HVAC installed. Once that is done, we are at a standstill until more funds are released. And our insurance company only covers living expenses for 12 months from the date of the incident, so we need to pay rent from then until our house is livable again.
Product: Debt collection

True Accord reached out to me on XX/XX/22 for a XXXX from XXXX for {$400.00} I have records of ending my contract with them and returning the equipment with a {$0.00} balance. 

I wrote to True Accord informing them of this. They stated they would do a debt verification and never got back with me. I received a notification they reported this debt to the credit bureaus. 

Currently they are trying to collect a debt not owed and have not proved I owed this debt.
Product: Mortgage

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

ACCOUNTS XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NO ACTION HAS BEEN TAKEN BY THE COMPANYS.
Product: Credit card or prepaid card

called barclay today to state that this household has been effected by covid hard. i have taken permanent [ ay cut and taken back XXXX dependents without benefit of support supporting family of XXXX on XXXX!!! barclays has offered a temporary assistance but need to be permanent SOLUTION .i am willing to be pro active and ask for settlemENt but they don t want p hear it.all along no reductiOn in intrest rate either OFFERED.THERE REPS AWFUL TO DEAL WITH AND CUSTOMER SERVICE EMAILS DONT ADDRESS PROBLEM,
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX Balance : {$8700.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Im writing to complain because I can get anywhere with PNC Bank at a branch or at the corporate level. It started on XX/XX/2023 when I tried to use my debit card for a coffee and was denied when I looked at my app. It had a XXXX balance despite having XXXX. I proceeded to call the customer service line and was told my account was closed, A letter was sent, which I never received, and the check was in the mail and then I should walk into a branch to discuss it. I walked into a my XXXX NJ branch and they were just as stumped and also tried to call. They also got the same answers. I called on XXXX at XXXX and was told a check had NOT been sent. They will not tell me when a check will be sent. That is a lot of money to send via regular mail! I asked for a supervisor or someone higher and they also could not help. I went back to my branch and they were still clearly upset at the situation and could not help despite their effort once again to gain information. Please help me remedy this situation. I need access to my funds and have clearly and blatantly been prevented from doing so! I dont want this to happen to any hard working citizen!