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

This complaint is towards coinbase. On XX/XX/XXXX of this year, Coinbase locked my account because of a supposed denied transaction while trying to deposit money into my portfolio ( coinbase pro ) regardless of the fact that there was money in my account. I attempted to contact coinbase support on XX/XX/XXXX ( Case # XXXX ). Over the next several months up to today, I have attempted to contact them multiple times and filed two separate complaints and the only responses I could get were to wait for a response and to stop filing complaints because it supposedly only delays the process, which honestly doesn't make any sense since my complaint contains the case number above and compiling said information is not very time consuming ( neither is taking a look at my account and simply unlocking it. Yesterday Coinbase finally sent me an email claiming that the issue was resolved. It wasn't. While they credited my account with a small amount of bitcoin, it was irrelevant considering my account is STILL locked, thus not allowing me to remove my money from their platform. This is completely unacceptable customer support. This billion-dollar company still to this day does not have any live tech support. I can't speak to a live human being about the issue and obviously their online support system is unbelievably pathetic. I am far from being the only person with this issue. Only after complaining about the issue on their XXXX page did someone say that filing a complaint here was the only way they were able to resolve their issue, and it took them 6 months to do it. unacceptable. Please notice the dates in the screenshots provided. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I deposited ( 2 ) cashier 's checks into my Bank of America checking account. 

They were large amount checks. The first check was for XXXX and the second check was for XXXX. 

These cashier 's checks were issued from the Bank of America Estate Team to settle my deceased grandmothers estate. I was told the funds would available next day only to receive an email an hour after I made the deposit stating the funds would be on hold for 2-7 days. The reason they gave for the hold is the following : " We've placed a hold on your deposit because we have information indicating the check ( s ) may be returned ''. 

This is asinine and insulting. The cashier 's check was issued by BofA and they are claiming that they might not be good for the funds. What a ridiculous statement to make as one of the largest banks in the country. 

I understand there needs to be security checks in place to ensure against fraud, but this goes beyond that. This could easily be resolved by the bank manager calling the estate team to verify the checks. All of this seems unnecessary given the fact they are the check issuer and there are multiple security measures that would make immediately known if the cashier 's checks were fraudulent. 

Bank of America seems to be intentionally making this process difficult on me and refusing to make my funds available in a timely manner. 

To be blunt, they are acting it their money.
Product: Credit reporting or other personal consumer reports

Capital One is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/24
Product: Credit card or prepaid card

It seems everytime I log onto www.Chase.comXXXX to check my balance or make a payment there 's a problem and the design of the website makes me wonder if they had a ten year old design it! It 's so poorly designed and difficult to read I ca n't believe Chase would allow this. Today I wanted to make a payment and the system would n't allow me to enter an amount. So I called and spoke with one of their agents who could n't explain why the system is so poorly designed and does n't work. She wanted to pass me on to a web support agent but after being on hold for 2 minutes I decided not to waste my time. This needs to be addressed so that future issues do n't appear and as soon as I pay my balance in full I will cancel my card if they do n't change things
Product: Checking or savings account

Beginning back in XX/XX/XXXX, I began to make my first complaints about fees that were occurring as far as membership and merchant subscriptions that were cancelled. I supported documentation such as emails of subscription confirmation. I was also enrolled in an account that was offered as a free checking account after a {$25.00} initial fee of open enrollment. Yet membership fees began without notice or warning but would be credited back upon my complaint. This bank institution has performed a number of negligent and unlawful acts after a XXXX year period. ( From current year XX/XX/XXXX and back previous years ). They threatened to close my account after they stopped direct deposits from being deposited from government funding and then placed me in overdraft. The acts performed are never ending.
Product: Vehicle loan or lease

The is an extension to complaint ID - XXXX submitted on XX/XX/XXXX. I had a conversation with Ally Auto they are still referring back to the dealership and the dealership has been extremely uncooperative and disrespectful towards my concerns. I am really at a loss because the dealership continues to run my credit report to finance loans. and now they have me financed under is a XXXX XXXX XXXX and the amount financed was {$24000.00} which is what Ally Auto said to me. I clarified I did not sign for an auto loan for this vehicle and my credit was ran without my consent. I have the contract and it clearly states XXXX XXXX XXXX amount financed was {$35000.00}. I was financed for a XXXX XXXX XXXX XXXX Momentum and upon doing some additional research on the Vehicle Identification Number ( VIN ) XXXX on the XXXX XXXX XXXX XXXX XXXX ( XXXX ) its saying the VIN is incomplete and the XXXX position of the VIN does not match the model and year. I have reached out to the dealership and they have no intention to cancel the loan. I received a credit alert yesterday. XXXX XXXX XXXXXXXX in XXXX Kansas ( auto dealership ) processed another auto loan application without my consent. " Error Text : XXXX - Incomplete VIN ; XXXX - Model Year Warning - Model Year entered for decoding with VIN does not match the model year based on the XXXX position in VIN. ''
Product: Credit card

On XX/XX/year> XXXX apples for a credit card from Wells Fargo stating i had excellent eligibility but was denied. I have little to no debt and a XXXX plus credit score.
Product: Student loan

Ive been working with a company called AES to help with my student loan paymebts to keep them current. I understand that my {$85.00} a month isnt going to make a dent in my XXXX student losn debt but i just found out that money hasnt even been applied to the loan then they offered me a student debt forgiveness program {$40.00} a month instead of {$85.00} and after 20 years of these payments the remainder of my debt will be forgiven?? Why cant i pay {$85.00} and make it 10 years or {$160.00} and make it 5 years why do i need that debt hanging over my head for 20 years when i couldnt even get a job paying XXXX a year???
Product: Credit card

Citi Bank lowered my credit limit without prior notice, resulting in negative credit impact. Citi card services claims it only lowered my credit limit once however that is false and they have no explanation on why it happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX XXXX XXXX Balance : $ XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : $ XXXX SELF-REPORTED XXXX Balance : $ XXXX SELF-REPORTED XXXX Balance : $ XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$840.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

1

5 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
Product: Checking or savings account

I deposited a check from a business a XX/XX/2018 and Wells Fargo refuses to release my funds until XX/XX/XXXX despite the fact I also deposited a check from the same company in a different amount a week prior. Those funds were available next day. I requested the deposit be cancelled so I could take it somewhere else and they refused. I have less than 50.00 now to last a week and can even buy groceries for my family. Their fraud department decided it looked like fraud since I deposited from the same business but thats usually how payroll works! Instead of someone picking up. Phone to verify, I have to wait 10 days without my money!
Product: Credit card or prepaid card

I have an dispute with Synchrony Bank since XX/XX/XXXX and I can not come to any conclusion with them and the only reason I open the credit Card account with them and trusted them was because it was offered thru PayPal site at the time I was making a transaction. I opened a credit card account with Synchrony Bank at the time I was making a PayPal transaction. I never received the first card in mail. Between XX/XX/XXXX and XX/XX/XXXX, there was {$1100.00} fraudulent charges ( 12 transactions ) on  the account. The bank offers and advertises {$0.00} Fraud Liability Policy. I have explained to their Fraud department my situation many times and disputed these amounts repeatedly and I have also filed a Police Report and send that to them. They keep putting these charges back on my account and every time I call them I get an representative out of country which tells me they will take care of this and 30 days later I get an letter that I'm responsible for these charges again. I do not know what else to do and I do need your help. They have many similar complaints online. I never had or received the first card, which these charges happened. I only received the second card, which was the replacement card in mail and was activated from my office. This has been explained to them since XX/XX/XXXX repeatedly, was also explained, and send to them on the Police report filed by me. I trusted them since it was on papal site. I am sure many other customers are suffering from this Bank Actions.
Product: Credit card

I once had XXXX Capitol one credit cards. XXXX for XXXX and XXXX for XXXX. I XXXX an during my XXXX I missed a payment on the lower card. I called them immediately and they understood completely. I paid the card off on the phone and closed it. In return Capitol one removed the negative from my XXXX and my XXXX credit report, but left it on the XXXX. I called and ask that they remove it and they refuse. According to the law if they remove it from one they must remove it from all.
Product: Credit card or prepaid card

Got a random email from Synchrony Bank that my XXXX & XXXX account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXXXXXX XXXX, Transunion, XXXX, and XXXX about fraudulent accounts that does not belong to me, I have contacted them multiple times. And they have yet to remove these items from my credit report. I have file a report with the police agency and FTC. All the accounts that needs to be removed 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
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and frustration. I have reported this matter on multiple occasions, Despite your team 's efforts, the issue remains unresolved, and the impact on my financial standing is becoming increasingly severe. I kindly request the following actions be taken urgently : Conduct a comprehensive review and investigation into the origins and nature of the fraudulent activities. Ensure a thorough second attempt to promptly remove all fraudulent items and transactions associated with my account. Improve communication channels to keep me regularly informed about the progress made and the steps being taken to bring about a resolution. Provide a detailed update on the ongoing investigation. Implement additional preventive measures on my account to avoid any future unauthorized access or activities. Given the prolonged inconvenience and the potential impact on my financial well being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced. I understand the challenges associated with addressing such matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX bought a balance sent to collections by XXXX XXXX XXXX. The XXXX shows as a closed collection account on my credit report. XXXX has reported this as a new collection account with their company, even though it duplicates an existing debt. I have disputed it with the company and they refuse to remove it without payment in full ( extortion ). They show the account was opened with them in XX/XX/2022 ( which, I assume, was when they bought the debt ). They have tanked my credit with this and made me unable to re-finance my student loans. This is illegal, extortion, and predatory. Please help! 

I've attached Experian, but they are fraudulently reporting it to all 3 major credit bureaus.
Product: Debt collection

checking account card was stolen. I issued to close account shortly after unauthorized activity on account. Company was sold to new party .... years later I have an unpaid balance Iam unfamiliar with, that 's now in collections.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX. XXXX
Product: Checking or savings account

I opened a checking account with Chase Bank on XX/XX/year>, at or around XXXX XXXX. One or two days later, I deposited a money order for {$1000.00} and also deposited cash equalling {$1000.00}. Two days later, I deposited another {$1000.00}. Later that day, I realized I couldn't log into my account anymore. I called the phone number that I was told to call on the website. The representative authenticated me and then said to me that the bank decided to close my account. I asked for the reason and if there was anything I could do to help resolve the problem. I was told they couldn't give me any details about the situation and that they had a right to close the account for any reason. I told them I understood but felt I needed to know if it was for suspicious activity, compliance issues, or other matters so that I could help in any way. They again stated that they chose not to give out any details. I told them it would be more transparent to give me something, or it would make me feel discriminated against as a consumer. I don't know why they would close my account and inconvenience me by waiting 20 days to receive my money and lock me out, so I can't verify my funds without any reason.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 ( I ) and 15 USC 1611 these companies are in direct violation and they have not removed this information from my credit reports.
Product: Credit reporting or other personal consumer reports

My Experian account was hacked where my email is change and password thus locking me out. The hackers then unfreeze my credit report and start applying for credit. This as occurred XXXX times now : Around XX/XX/year> ( the date i submitted first case ), on XX/XX/year> ( called immediately ) and on XX/XX/year> ( can not get any real person at Experian despite their website posting weekend hrs. The first time I had to submit docs proving I was the real person, second time they asked questions and once I proved myself, they updated my account with my correct email so I could change username and password. This third time i can not get anyone to help. Luckily I pay a XXXX party vendor that has agreement with Experian so I can relock my credit report through XXXX party app since i can not access my Experian acct. ( should not have to do this ). But once hackers realize i did that then they go back and unlock which i have to relock. Happened twice today. Each time Experian tried to say its my fault, that my email was hacked. This is incorrect bc of security measures in place with my email provider, I have logged on to verify only I have accessed my email account, and verified with email provider directly that no one else has hacked or access my account. At this point its either inside job at Experian, Experian system is getting hacked, or Experian employees not following security protocols and changing my info for the hackers. Either way this is lack of security controls. XXXX times since XXXX is ridiculous. And Experian is not helpful even if you are able to get someone. You go round and round and round with their automation system. This is not happening with my other credit bureaus accounts. 
This is Experian issue and Experian will not help me to figure out what is going on and help to stop this. I Also, when you do talk to a real person, they try to sell Experian full package for extra security protection. I am already using XXXX step verification with my account and clearly that is NOT working. 

I am at the point I will be seeking legal consultation as I can not keep living like this. I have lost so many work hours due to this. I will also be filing complaint with the XXXX. XXXX and XXXX XXXX firm has published an article detailing this exact issue that others are experiencing. Experian needs to be help accountable. 

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

To Whom It May Concern : This letter is in response to your recent claim that XXXX verified the account they are reporting is accurate. 

Please be advised that I am exercising my rights under and requesting a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 

Name, address, and telephone number of each person contacted regarding this alleged account. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a charge at the end of my lease. The lease holder was XXXX XXXX. While in dispute, I continued to try to contact both the auto dealer and the leasing company. I did not get a satisfactory answer from either, and as a result chose not to pay the bill. XXXX and the XXXX dealership basically ignored the complaint, and I finally surrendered and paid the invoice. 

To my shock, this negatively affected my credit rating severely, which will have a material effect on my ability to borrow. My rating was approaching XXXX, and this tiny issue of less than {$400.00} dropped the rating to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and questioned most about the inquiries and was advised they would be happy to remove them with no results. 
In the past, I had a fraud alert... I take great pleasure in managing my report as it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report on XX/XX/XXXX and seen some unauthorized hard inquiries I contacted the companies personally but letter and yet gotten a response so I called after 30 days and a employee caught an attitude with me and told me to reach out to the credit bureau and hung up on me. I contacted TransUnion and XXXX and they yet have deleted it and TransUnion says its verified but yet sent proof.. I just need these unauthorized inquiries removed asap its been over 2 months XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I attempted to receive a lien release and digital title from lightstream/truist bank XXXX weeks ago ( end of XXXX ), truist will not help at all and only refers me back to lightstream, and light stream only tells me they are waiting on truist. The note was paid in full in XX/XX/year>. I just want the lien released and the digital title sent to my county treasurer so I can sell the vehicle.
Product: Prepaid card

I have tried to use this card several different times at different places. This complaint is about the card being denied online at XXXX. Amex states this card can be used where Amex is accepted. I often pay for groceries online at XXXX with an Amex. I was not able to with a gift card