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

I turned XXXX and opened a checking account with Suntrust Bank. I was told that there is no fees of any kind. My dad was also with me. Then I started to notice $ XXXX/month being taken out from my account. I was never told of this fee at the time of account opening. I went back to the branch where I opened and talked to the person who opened the account. He said it is for paper statement. I asked him to be removed and make it 'no paper ' statement. He said he can not do it and I have to do it myself. He send a link to me to do it. It did not work and again after a few months I went back to the bank. He said that link was no good and so he again sent another link. This also did not work. This happened back and forth 4 times. The bank employee knows it that I went several times to him. 
Meanwhile the bank keeps on taking my $ XXXX/month. I called call center but to no help. My dad also tried at the branch and nothing worked. I believe the bank purposefully make this difficult so that they can get lots of my money. Also I keep wasting my study time every time I go to the bank. I tried everything and nothing I could do to remove this $ XXXX/month charge and the bank will not do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$750.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX the natural person have been attempting to resolve my consumer report for months with this company and haven't been getting any cooperation. I have sent them letters called them and I still get no results. I know that it is illegal for them to furnish my consumer report according to the FCRA unless they have my written consent to do so. I asked them to send me the letter that they have from me where I stated that they could furnish it and all I kept getting back were updated accounts. They couldn't even tell me who they investigated with for them to come back verified after the investigation. This is starting to feel like a form of oppression because I can't even use my right of extending my own credit because of these unlawful practices. This is infringement on my privacy and I am very displeased that they just ignore my request as a consumer. They are very consistent with stall tactics by sending letters stating that this is not me filing this complaint and it was a credit repair company.
Product: Vehicle loan or lease

In XX/XX/2018, I ran into some financial trouble and was threatened with repossession from Nissan motor acceptance corporation ( 2 months from loan maturity ). I made a XXXX payment and had less then 60 days in my amortization schedule and owed less than XXXX dollars on the total lease agreement. If you look at my credit report, my car was repossessed at only 30 days delinquency on the day before Thanksgiving XXXX XX/XX/18 with a minimal balance that I could of paid off if needed. When I called Nissan they said given how close I was to loan maturity I would not be given an opportunity to re instate my lease agreement. Please also keep in mind that the company took my car with numerous valuables to a random lot and I had to meet the person a person to meet him. There were also items missing. 

I then get a notice 12 months later that I owe a charged off account XXXX dollars, please keep in mind i paid 99 % of the payments on this lease agreement. I did not receive an itemized bill, all it said was " repossession expenses '' " miscellaneous damage ''. i have been trying to challenge this through the credit bureaus from some years now that my finances are healthy and i want this removed from my credit report.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$480.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$140.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$840.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$3100.00} XX/XX/XXXX XXXX Account Number : XXXX {$480.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$140.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX 
XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

Last year I purchased a music festival ticket to the Rolling Loud festival in California. The festival was XXXX XXXX XXXX XXXX. I purchased this ticket on XX/XX/XXXX from XXXX XXXX Tickets. I chose the layaway option that had monthly payments. The payments are as follows : XX/XX/XXXX - {$9.00}, XXXX XXXX {$69.00}, XXXX XXXX {$69.00}, XXXX XXXX {$69.00}, XXXX XXXX {$69.00}, XXXX XXXX {$75.00}. On XX/XX/XXXX at XXXX I received an email from the rolling loud ticket vendor ( front gate ) stating that we were able to requests refunds after the traumatic events that took place at the XXXX XXXX XXXX. I took advantage of this opportunity because I was afraid to attend the show. I logged in and requested the refund. A few days go by and I didnt receive any emails from the ticket vendor so I asked my friend ( who I was going to the show with ) if she received any emails and she stated that she did receive one and that her refund was on the way. I naturally checked my email to see if maybe I missed it, and I didnt see anything. I emailed the merchant and they said it was past the refund timeline so they could not help me. So I then called my credit card company ( capital one ) to help me. After a month of disputes and constant follow ups and document gathering we have not reached a resolution. Capital one told me that they can not insure every purchase and since the merchant denied my request there is nothing they can do. I honestly believe this is an IT error, which is not my fault. I logged into my account and requested my refund Im not sure why I was not honored the refund. I have my hands tied, I have provided everything I can to capital one and they are not helping me. Your credit card company is supposed to defend the customer, and Capital One is not doing that. I am out $ XXXX because I was afraid for my safety to go to a music festival that I was offered a refund too. I hope this can help me get my money back and also give capital one a negative remark for not siding with their customer when health and safety is at stake. I have been a Capital One customer for years and I am disgusted at this. I will be closing my account after this is hopefully resolved.
Product: Debt collection

Asset recovery solutions has contacted me multiple times since ur asked them not to. On XX/XX/2021 I called after receiving several letters in the mail. I have received several phone calls from them, as have some of my friends and relatives. Ive asked them to stop calling and they continue to call everyone I know.
Product: Money transfer, virtual currency, or money service

My father ( 94 years ) created a power of attorney with his lawyer. We have been trying to register the power of attorney ( POA ) with Coinbase for months in order to provide oversight to his account. However, Coinbase has neither registered the power of attorney nor given us access. 
I have email correspondence dating from XX/XX/2022 and my sister ( co-POA ) has been corresponding with them via XXXX since XX/XX/2022. Typically, Coinbase will acknowledge that they have our corredpondance. I have a case number from XXXX with Coinbase ( XXXX ) and the receipt for the uploaded POA is submission ID # XXXX. As well, my sister sent them a notarized copy as well in XXXX. 
To date, we have not been able to resolve this with Coinbase. Please help!!! 

I am able to provide email copies and copies of twitter strings if required. Please advise.
Product: Credit card or prepaid card

I SPOKE TO NAVY FEDERAL WHO I BANK WITH AND I EXPLAINED TO THE ACCORDING Your company is in clear violation of the law, Pursuant to 15 USC 1681a ( 2 ) ( a ) ( 1 ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions and Experiences between the Consumer ( ME ) and the person NAVY FEDERAL CREDIT UNION Making the report is NOT INCLUDED on my consumer report THEY ARE REPORTING MY UTILIZATION REPORT WHICH IS AN EXPERIENCE AND IT SHOULD NOT BE THERE. I REQUESTED THEY INSERT 5 % OR LOWER FOR THE UTILIZATION OR REMOVE IT COMPLETELY FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

This has to do with my earlier case number XXXX with CFPB. First of all, let me congratulate you, CFPB, for playing the good catalyst or policeman or XXXX type role, thus making sure that my case was handled appropriately, correctly, with all the evidence and analysis i had provided, regarding the 20 fraudulent ATM cash withdrawals and associated fees, that had occurred in XXXX in XX/XX/2022 earlier this year. Citi Bank has refunded me the stolen money, but they missed one transaction, only 19 transactions were counted by them, although my appeal letter clearly pointed this out also. so, i am bringing this up, an inadvertent banking error, or typo type error, let us say, and i would like this to be addressed by them also. I am very much convinced that CFPB involvement here made sure that Citi Bank did the correct thing, chose the side of truth, light and fairness instead of untruth, darkness and XXXX. Thanks very much for your help. 
ps : PLEASE TELL YOUR FRIENDS PERSONAL REQUEST FOR HELP from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX EMAIL IS XXXX MOBILE NUMBER IN USA IS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX OF USA,,,, XXXX XXXX XXXX 
THANKS VERY MUCH FOR YOUR HELP, SUPPORT, SPREAD THE WORD, GOOD VIBES, BLESSINGS ETC.,, PLEASE TELL YOUR FRIENDS.. 
REGARDS AND BEST WISHES. XXXX ... 
YES, OUR CHILDREN XXXX, WERE XXXX, YES
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I have received a secure message from US bank as I attached the email. 
But the site is XXXX XXXX site. 
I tried to register as a member on cfpb 's site, but I couldn't do it. 
Also I tried to login on your site with the password what I got impormation from U.S. bank but it didn't work. 
Please let me know why it is not U.S. bank 's site, and I sould follow the direction or not as soon as you can then I'd really appreciate it. 
Thanks XXXX XXXX
Product: Checking or savings account

Navy federal Cashed my settlement check that that was for me with the fraudulent endorsement signature on the back of the check. My check was put into a member 's account I've contacted the police made a report by the report with navy federal Navy federal gave me a window of 10 days and the issue would be resolved I filed a complaint on the XXXX XXXX  XXXX it is now the XXXX XXXX  XXXX I spent hours on the phone with navy federal They can't give me any information Other than they're working on it. They're Past there deadline, No one has been working on my case Nor is my case assigned to anybody. This much I got from an employee yesterday on the phone. They're just brushing me off And trying to keep my money All because I close my account out with Them. The last piece of information I got was they're working on it they're really backed up and they're not sure when they're going to be able to handle my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been locked out of my online social security account from XX/XX/2019 that tried to log in and was unable to create a new account with the help of the SSA because Equifax data was breached and all my security answers to the questions to my file were wrong. 
the addresses, the mortgage loan, etc was unknown to me. 
I tried to contact Equifax as told by SSA to fix this issue but had no response in 4 months. 
Please fix this issue.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the Northern District of Georgia stated that they did not provide information to XXXX or Equifax and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Debt collection

Radius Global Solutions called saying the original creditor, XXXX XXXX XXXX, claimed we owed them {$240.00}. This account was set up by me, XXXX XXXX, for my daughter and son-in-law, who was at the time XXXXXXXX XXXX XXXXXXXX brought on from XXXX XXXX while in XXXX, and is now XXXX  so that they can have a phone landline in a remote area of XXXX XXXX, XXXX  XXXX Their address is XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX. My daughter and her XXXX young children ( one is now XXXX, who has a XXXX  since XXXX XXXX  old from a XXXX XXXX caused by a XXXX XXXX ) still reside there. This bill was set up to be monthly debited to my credit card for {$74.00}. Even though the price rose to {$82.00} and the service was bad, we kept it for emergency reasons. When internet services finally came to their area in late XXXX, I was able to disconnect this line. I did so by calling XXXX XXXX XXXX directly. It was disconnected. They kept charging my card. I called them in XXXX of XXXX to let them know. They finally stopped the charges and reimbursed me of two months worth of {$82.00} each. No more charges to my card. Then I got a call last XXXX of XXXX saying I had an outstanding bill for {$240.00}. WE noticed that our credit score is now over XXXX points lowered because this company, Radius Global Solutions, reported it. Their phone number is XXXX. Please help me in making them remove this fraudulent charge!
Product: Credit reporting or other personal consumer reports

I contacted Equifax and XXXX to report my identity stolen on XX/XX/year> I reported impostor opening accounts or requesting loans using my name, date of birth, and social security number. I asked them to update my current address and Phone number. I also froze my three credit bureau accounts. Equifax has fake employer on my report. I retired more than 10yrs ago and reported this during phone calls to bureaus. 
Only XXXX send confirmation letter to my current address. Equifax and XXXX sent letter to my previous address which post office forward to me. Impostor is using my previous address. Both bureaus are aware but FAILED to acknowledge. I fear as an older person. I have become a target. 
This sudden attack on my credit coincided with my application for social security benefits I told all 3 bureaus about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed consent to share my information 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$720.00} {$0.00} {$500.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Account legally paid in full for less than the full balance. 
Consumer disputes this account information Settlement accepted on this account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX OK OK XXXX OK XXXX OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Mortgage is reporting late notations in XXXXand they must be removed. I recently looked at my credit and noticed these late notations still reporting which I was very confused. My account has been in deferment due to Covid so I was reassured that no late notations would be reporting. When I had first noticed the late notations I called and told them that my account was in deferment and no lates should be reporting. The rep then told me they would be removing the late notations but they are still there. This must be fixed immediately.