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

Hello, I am currently banking with USAA. On XX/XX/XXXX my account was hit with a string of fraudulent charges, the first of which was a charge from a company called XXXX XXXX XXXX ( name on charge ). This is the first time that this company has ever appeared on my account in the 7 years or so I have had this account. It is also the first of multiple charges ( all within minutes of each other ) that were all indeed found to have been fraudulent. I had no idea what this company even was until today. I did some research and found that the phone number associated with the charge is connected to the company XXXX and I believe ( trough the research I did through XXXX ) that this particular purchase was for what appears to be business cloud services through XXXX software of some kind. Well, first off I am a XXXX   XXXX  who does not even own a business of any kind or sort. So, why in the heck would I spend almost {$240.00} for cloud services for a business. It literally makes no sense. To add to that point I also do not have an account with XXXX, if i don't own a business, I don't even have an account with XXXX, and I have never purchased anything for " XXXX XXXX XXXX '' in my entire history of having an account with USAA, how could they possibly have actually done an investigation into my fraud case and determined that I somehow made this purchase. This seems to be an attempt to extort what money they can from their customers and hope that they do not look into or fight it. Well I am looking and I am fighting, because I DID NOT MAKE THIS PURCHASE AND IT IS VERY VERY VERY CLEARLY FRAUD. 

Thank you, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On Tuesday XXXX, I successfully wired in {$5000.00} to Coinbase.com to utilize their cryptocurrency services. Since then, my money has been locked in their platform due to a defect in their identification system, and I have not been able to close my account and withdraw my money since. Despite numerous attempts to reach out to Coinbase support, I have been met with zero replies, and am extremely dissatisfied with their service and worried about the safety of my funds. Coinbase has shown no interest in helping me resolve this issue, and I am very worried that their " identification '' system is simply a cover up to steal my money.
Product: Credit card or prepaid card

I was mailed a new credit card because the old one expired so i updated it in my XXXX XXXX  right after i activated the new card. XXXX XXXX  sent me a link to call my credit card company so i did. I went thru the verification process today XX/XX/23 calling on my registered mobile phone ( the only number i have ever had with them ) and answered all the info correctly but then they said i needed a land line to to continue verification which i dont have. They also asked me for another credit card which i dont have ( and if i did why would i give them the info on it? ) so they said the only way to verify was to wait to receive a letter in the USPS mail which would take 5-7 business days and they were locking me out of my card until i received the letter. I was supposed to go visit my family down state but now i cant leave home until this letter comes in snail mail. Totally ridiculous. In the past they called me on my mobile to verify a purchase and now that number is not good enough?
Product: Credit reporting or other personal consumer reports

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I reached out to my financial institution regarding a XXXX transaction on my account. The transaction amount posted was {$150.00} already sent to the recipient. I asked if I can dispute however, my financial institution claimed XXXX disputes are non-disputable and I had to reach out the merchant personally to solve the problem. This transaction occurred on XXXX XXXX. Prior to calling my financial institution, I tried to get a hold of the merchant but unable to successfully do so. 

And so here I am writing this statement to the Consumer Financial Protection Bureau ( CFPB ) to see if I can successfully dispute the transaction through here.
Product: Checking or savings account

I have two checking accounts with Capital One Bank. One account I do not have a physical checkbook for shows a customer withdraw of {$2500.00}. I did NOT withdraw funds from that account in that amount, nor did my husband. I called the Capital One fraud department and they placed me on hold and transferred me multiple times, only to hang up on me and NOT call me back. I called once more and sat on hold for 30 min to find out the withdraw was a " bank error '' and that it was not fraud. I was told my funds would be refunded. This was suspicious to me so I called back. It seems as though a bank employee took funds from my account as they have NO explanation how the funds were withdrawn. Just stated bank error and they were NOT going to open an investigation and would NOT provide me with the withdraw slip or check that corresponds with the withdraw. This is highly suspicious. I want an investigation opened as to how the funds were withdrawn from my account. And, why could they not immediately credit back my funds. I am to wait DAYS to get money back from their supposed error. {$2500.00} is a lot of money to disappear from an account, especially the end of the month when I have bills due. Please help me open an investigation as to why these funds were withdrawn.
Product: Credit card

inquiries on my credit report I never applied for : 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: Credit reporting or other personal consumer reports

- In accordance with the fair reporting " XXXX XXXX XXXX XXXX has violated my rights.

- 15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Consumer Loan

I had an auto loan as a co borrower with Santander Consumer USA for a XXXX XXXX Infinity M37x I had made about 1 year worth of payments as I was driving this car from XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX I informed Santader that I no longer wished to own this veichle and that I would like to surender the car. Santander informed me that I was unable to surrender the vehicle because at the time I was up to date on my payments and that I had to be at least 90 days " past due '' before they would reposses the vehicle. I explained to Santander that I did not want the late payment information on my credit nor did I want to continue to insure the vehicle for this period. Santander informed me that they would not accept my surrender. I then had the vehicle towed to XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX, XXXX ( XXXX ) XXXX and informed Santander of the location of the vehicle and that they would need to retrieve it from there. 

Under XXXX law a transfer of a vehicle title may only occur if the primary lien on the title is satisfied. Santander supplied a lien release letter to whom ever sold this vehicle my attached documentation shows that this title has been tranfered to XXXX XXXX leasing and finance in XXXX, XXXX. Santander continues to report my balance with interest and penalties as if this sale never took place to all three credit bureaus. Santander takes no collection activity on this account. Subsequent to the sale of this vehicle as well as currently, I have contacted Santader to try and resolve this if any additional money is owed but they refuse saying they never sold the vehicle which is false. Santander is committing fraud by reporting innacurate information on my credit reports. Further more they are trying to receive money from me in the amount of approximately {$29000.00}. Santander should have sold this vehicle for approximately {$27000.00}. Santader has charged me unfair interest and penalties which would account for the other {$2000.00}. 

As a resolution I want this item deleted from all three of my credit reports. I also want the erroneous interest and fees returned to me. I would also like action to be taken by the government to ensure that these unfair practices do not continue. Santander has done everything in their power to punish me for not wanting a car. The car was in excellent condition and a much simpler resolution could have occurred. They are unprofessional and predatory.
Product: Debt collection

REPEATED PHONE CALLS MULTIPLE TIMES A DAY, ACCORDING TO XXXX  MIDLAND FUNDING LLC ISN'T LEGAL AUTHORIZED TO CONDUCT BUSINESS IN THE STATE OF GEORGIA.
Product: Checking or savings account

Cash App closed my account without giving me any information and also when trying to receive a refund there was no way of speaking to anyone live that would be able to help me with my issues.
Product: Money transfer, virtual currency, or money service

I just was needing Bank of America to speed up on my current balances etc. Thank you
Product: Credit card

I have had an account with Union Bank for years. Now that my account has been merged with US Bank, I have had an account with US Bank. As soon as I have enabled XXXX on my account, I have been unable to access my account on multiple browsers, on multiple different devices. Whenever I try logging in on a computer I encounter an issue where the page no longer logs in and instead continually tries to reload. If this is not fixed soon, I will be closing my account and contacting the credit bureaus. The fact that a large bank is allowed to have such incompetent web devs working for them is a XXXX XXXX. A XXXX XXXX XXXX XXXX XXXX XXXX could do better.
Product: Credit reporting or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

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

Comenity Capital and I agreed to settle this account for {$1500.00}. The first payment of {$370.00} each month starting XXXX XXXX, 2017 ending with a final payment of {$370.00} received XXXX XXXX, 201 ( see attached bank statement ). The money was deducted from a debit card each month belonging to my mother, XXXX XXXX. As of XXXX XXXX, 2017, upon checking XXXX Credit reporting agency, the balance is being reported as {$1200.00}, when the balance should be 0. Attached are all documents needed to support this agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit repository is reporting incorrect, outdated information with regards to BANKRUPTCY XXXX ref # XXXX. Item has been withdrawn last XXXX XXXX, my social nor my date of birth is not showing in relation to this item, all of which was verified by the court. Clearly, this credit repository 's information/records are outdated and the item was never investigated as my credit report shows. I kept records of my credit report from the day I disputed this item and downloaded new reports and the incorrect information still is reporting. This is a violation of FCRA.
Product: Checking or savings account

Wells Fargo previously set my accounts for closure in XXXX 2017. Once previous before that, the reason i was given at that time was due to excessive claims. However i never had excessive claims. When i reported this to the consumer financial bureau before i was told that my case was being researched. However it was not being researched. They did n't assist me at all and blocked all incoming deposits. This is my first account, and by filing claims it has nothing to do with being a risk. However, since my accounts were kept open i have filed a total of 16 Claims. After retention. These claims of the 16 only 5 were actually valid, and not mistakes. These were either duplicate purchases, or Fraud charges when i lost my card back in XX/XX/XXXX. 

Not only does this information i am providing uncover more evidence. The rest of the claims were actually canceled as i submitted them by mistake but cancelled them right away and called the claims assistance center the same exact day to tell them i made a mistake. They assured me they were cancelled but told me they would remain on my account. 

Now several months later i call, and am told my accounts will be closed again. ONCE AGAIN DUE TO EXCESSIVE Claims. I spoke to 5 different reps. I advised them i do n't have excessive claims, and was not told of any stipulations i had on my accounts. Well the letter Wells Fargo emailed me about closure says i have been doing security risky behavior. I will attach these letters, i have not done any risky behavior at all. Wells Fargo is my main bank i use it to pay my bills, and rent. They are holding my Money now. I just redeveloped my relationship with them too by becoming a portfolio customer, opening my investment account ( Brokerage ) and following everything i was supposed to do. I have accessed my accounts properly, and have not misused my cards in anyway. 

Well the Rep is telling me now that, the same claims center sent another notification to have my accounts closed again DUE TO EXCESSIVE Claims. MONTHS later. I feel like this is unfair and harassment. They always do this when i actually need my money, and when they know i rely on my direct deposits going into the bank.
Product: Credit reporting or other personal consumer reports

Experian will not let me dispute 3 collections showing up on my credit report, in totals of {$55.00}, {$900.00}, and {$990.00}, and none of these collection accounts even display a name of a company ( original creditor ), no contact info provided for any company, no payment history provided either- just a partial account number on each. Please see attached screenshots.

I have no idea what these accounts are for/ where they're from, and believe they may be fraudulent as my personal information has been leaked in numerous data breaches including the recent Experian, XXXX and XXXX XXXX breach, as well as the XXXX, XXXX and XXXX XXXX breaches in the last 10 years. 

Experian is suppose to ensure accurate reporting and that accounts that are submitted by any companies to ones personal credit report are providing all the required and necessary information to identify who the original creditor is, what the account history is, and company contact info. Experian has done a very poor job in regards to my account, allowing 3 unnamed collections accounts with missing data to be added to my credit report, negatively impacting my credit score and ability to rent and receive other financial opportunities.
Product: Debt collection

I am writing to formally submit a complaint against LVNV Funding LLC for the following reasons : 1. Inaccurate reporting the bank has reported inaccurate information regarding my account to credit reporting agencies this misinformation has adversely affected my credit score and financial standing. 
2. Misuse of Federal Reserve loans, I am concerned that LVNV FUNDING LLC may be abusing loans obtained from the federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts. 
3.Abuse of Insurance Policy, The bank charged me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden on my part. 
4. LVNV FUNDING LLC is in violation of the Fair Credit Reporting Act and Privacy Act of 1974 as they continue to furnish information to my consumer Report without providing me a Privacy Notice 12 CFR 1016.4
Product: Credit reporting or other personal consumer reports

1 XXXX XXXX XXXX ceases any further unauthorized access to my credit report.2 XXXX XXXX XXXX  compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA . 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

We took out a loan with XXXX XXXX in XX/XX/ and setup with Bank of America to pay the loan with bill pay of {$520.00} on a monthly basis thru electronic transfer. Bank of America was unable to make the transfer electronically so after a week they sent a hard copy check ( dated XX/XX/XXXX  ) it the XXXX XXXXXXXX lock box. This check was endorsed and cashed by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/. We were meanwhile informed that we were past due. XXXX XXXX had nor received our funds so we made a payment over the phone of {$520.00}. We also set up again a monthly bill pay with Bank of America to electronically pay {$520.00} each month which as worked correctly since that time. Since our inquiry Bank of America sent us a copy of the check ( letter dated XXXX XXXX XXXX  ) they directed us to XXXX XXXX for resolution and they have also opened and closed their investigations ( current Bank of America case number XXXX XXXX XXXX After visits to the local Bank of America office and countless phone calls with XXXX XXXX and Bank of America, without any progress, Bank of America decided in the Fall of 2022 that the issue was with XXXX XXXX XXXX XXXX and them. More phone calls to Bank of America, and multiple, confusing letters as Bank of America bill pay customer service didnt understand that the letters they were copying me on were actually there multiple requests to XXXX XXXX XXXXXXXX XXXX to complete and return to them an Affidavit of Non Receipt which was never sent back to Bank of America XXXX
Product: Credit reporting

Previously, I submitted a complaint with Equifax about negative reporting from XXXX ( XXXX ), and they said if new evidence was found, I could open a complaint. 
I found more evidence and submitted a complaint XXXX XXXX XXXX, this is pending. HOWEVER, I now have even more evidence to remove the unfair negative reporting : I contacted XXXX to get the original dates of the negative reporting ( XXXX ), and would like to add that to the original dispute ( XXXX ). 

XXXX provided dates of the original debt, which was last paid in XXXX 2008 : 8 years and 1 month old. Even if XXXX or XXXX bought a debt from XXXX, they should not be able to report negatively on an item OVER 8 YEARS OLD.
Product: Credit reporting or other personal consumer reports

I have made several attempts to contact XXXX for reporting inaccurate accounts but they have not been compliant with responding to my inquiries and accounts.CHARGE-OFF DEBT HAS BEEN FILED AND IS NOW TAXABLE INCOME AND CAN NOT BE REPORTED TO YOUR CONSUMER PROFILE. After informing XXXX of violating my rights, they still refuse to remove the charge-off accounts. It is no longer debt, as it is now taxable income per the IRS. this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian, XXXX, & XXXX multiple complaints about fraudulent transactions made by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Violations of privacy, & I havent got a remedy from neither companies. Latest news publications headlines that these companies have settled in lawsuits admitting to non investigations of the consumer complaints. Also XXXX has settled with them. I have been discriminated against by all companies.
Product: Credit reporting or other personal consumer reports

My debt decreased because of my loans deleted. XXXX XXXX stated my credit scores when I deleted off my education loans ( 8 ) loans. XXXX says each every deleted or discharged the scores go up 23 points. The Never increased my credit score 23 points for 8 items
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with Equifax, They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Checking or savings account

I don't understand why I don't have an account anymore my account was closed by bank and I don't kno why
Product: Credit reporting or other personal consumer reports

disputed these errors multiple times and they still claim as accurate and unchanged on my credit report. experian and the company are still in violation of the fair credit act! i demand legal compensation, they had the options to take care of this manner and have failed to do so! they have reported negative information stating late payments and showing a {$0.00} balance!!!! this has damaged my consumer credit report and dropped and still affecting my credit scores!
Product: Credit reporting or other personal consumer reports

I am submitting a request as a consumer and would like to ensure that my personal information on file is up to dateandaccurate.