23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2019 This involves on-line access to my current mortgage account. According to SunTrust Mortgage I am the " co-maker ''. We have an on-line account created, however, it had to be created in my husband 's name because he is the primary person listed on the mortgage. I needed to re-set the password after trying to log on too many times. I called SunTrust to re-set the password, however, they would not speak to me about it because the online account is in my husband 's name, not mine. Now remember, I didn't have the option to set up an account in my name. I am just a " co-maker '' to SunTrust. The customer service rep then attempted to set up my own on-line account, however, because I am not the primary person on the loan he told me they do not offer an online account for a " co-maker ''. 

I am just as financially responsible for the mortgage as my husband is. I should have the same access to the on-line mortgage info that my husband does. I explained to them that I am the one who set up the account initially and am also the one that accesses it when I need it. I am also the one that sends the payments. They would not re-set the password for me. They told me that they do not offer on-line accounts to " co-makers ''. 

Don't you think that anyone financially responsible for a mortgage ought to be able to have on-line access to the most current information? In this case I was trying to access the annual escrow statement that comes out in XX/XX/XXXXof every year. I am trying to adjust our budget to make sure I set aside enough money to make our next mortgage payment in the correct amount and in a timely manner. This was time sensitive information that I needed. 

I spent an hour and 16 minutes on the phone being transferred to various departments. This is not acceptable.
Product: Checking or savings account

On XX/XX/2023 I made a purchase online with XXXX ( merchant ) for 3 items. The total was for {$190.00}, and it was automatically deducted from my account balance. I have emails and screenshots I have sent to them. Then I get 3 separate charges for each item at different times and dates. 
Cash App - XXXX XXXXXXXX XXXX told me that XXXX voided the purchase. I emailed XXXX, and confirmed my purchase was good paid in full. If it was voided then I never got it refunded or added back to my balance. My balance was charged for the same amount {$190.00} at 3 separate transactions. 1 for {$16.00} 1 for {$100.00} 1 for {$69.00}. This caused my account to borrow or use up overdraft thus causing fees. Cash app sent me a statement of all my transactions except for on the XXXX of this month when I make the purchase.
Product: Checking or savings account

On or around XX/XX/year> I phoned Marcus by Goldman Sachs to inform them I was opening a CD and I was verifying the 2 deposits required to verify the account the funds were coming from. The Agent informed me she could open the CD over the phone. I said ok and informed her I wanted to open the 9 month XXXX APY. I then gave her the routing # and account # to transfer the amount of {$240000.00}. She acknowledged my request and said it would take a few days to receive. On XX/XX/year> I logged on to my Marcus account and discovered the CD was opened as a 12 month CD in error. I have phoned approx. 10 times requesting the error be corrected. I was told I would have to pay a penalty for {$2400.00} and rate had decreased and I would no longer receive the 4.30 %. I requested a Supervisor each call and was denied. They also said another Dept had to review my request and would contact me in 1-3 days even though it was not my error but theirs. That was 21 days ago and have received no call back or a correction on my CD. I dont know what else I can do so I am requesting your help. Please help me. Thank you.
Product: Debt collection

I recieved a notice from XXXX XXXX XXXX, XXXX. stating I have a outstanding balance with LVNV FUNDING LLC in the amount of XXXX dated on XX/XX/year>. I am unaware of this account. If in fact this company claim I have an account with them please provide a copy of a wet ink signed contract with both wet ink signatures binding any such agreement for my review. If your company fails to provide this copy in 15 days. Further attempts to collect on this alleged debt must cease.
Product: Checking or savings account

Nearly 30 fraudulent transactions were done on my small business   account. I contacted B of A on XX/XX/XXXX. They could not help me over the phone, and stated that I would need to print of Unauthorized Corporate Return Form, and list all fraud transactions, then fax it back to them ( what an inconvenience ). Never the less, I did that the morning of XX/XX/XXXX ( from the B of A branch in XXXX, TX ). I was told the processing time was 48 hours. As of XXXX XXXX CST on XX/XX/XXXX, my accounts are still frozen, deposits or pending, I can not make payroll, I can not pay vendors, amongst other things. As you can imagine, this is very very problematic for a XXXX XXXX XXXX. I need this escalated as soon as possible as this is now costing me customers, putting my credit at risk, and putting my contractors in a position not to work since they can't cash their check. PLEASE HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my consumer report on XX/XX/2021 from Equifax Information Services LLC and XXXX. Upon receiving the report, there were accounts and inquiries listed that I never gave consent to be reported. According to 15 USC 1681a ( W ) the term " Bureau '' means Bureau of Consumer Financial Protection. At no time did I ever sign a contact with Equifax Information Services LLC and XXXX  ( widely known as two of the three major credit bureaus ) that would allow them to report my private information and or to third parties. In accordance with 15 USC 1681a ( q ) ( 3 ) this is identity theft.
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent letters to XXXX, XXXX and Equifax about the following fraudulent accounts and they have not yet to follow CFPB Laws our rules. 
XXXX {$0.00} ACCOUNT # XXXX XXXX XXXX XXXX {$800.00} ACCOUNT # XXXX /XXXX XXXX XXXX {$850.00} ACCOUNT # XXXX /XXXX XXXX XXXX {$1400.00} ACCOUNT # XXXX.
Product: Bank account or service

The Bank of America, XXXX Missouri, charged to my checking banking account a fee for image of a check. For which I did not request and or authorize. This matter was raised recently with Bank of America. Again the same fee. Today, Bank of America, could not provide what employee of Bank of America made this decision without my request and or authorization.
Product: Credit reporting or other personal consumer reports

My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.
Product: Mortgage

Mr Cooper is refusing to respect the law and give me 18 months forebeafance. They originally confirm that I had 18 months but then canceled it
Product: Money transfer, virtual currency, or money service

I wish to practice my right as a customer of Coinbase to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : # XXXX ) with Coinbase. In order to clear up the myriad of letters and correspondences I have hitherto sent to Coinbase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Coinbase to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, and protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. During the complaints process with Coinbase, I found their communication ineffective, which further hides their conduct to management and diminishes the service offered to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem that they choose to manage in a way that is not in line with the rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients. 

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by Ethminingsvip.com which involved me making deposits for a total amount of XXXX USD from my Coinbase account to the fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to a business credit card account from XXXX XXXX XXXX XXXX XXXX 

This business credit card account is incorrectly being reported on my personal credit report, even though I have never personally guaranteed this card. As per standard reporting practices, a business credit card should not appear on a personal credit report unless the individual has personally guaranteed the card, which is not the case here.

Furthermore, this account is incorrectly being reported as 'charged off ' on my credit report, which is inaccurate. The account has been carrying this status for an extended period, which is adversely affecting my credit score. 

I kindly request your immediate intervention to rectify these inaccuracies. I am seeking the removal of this business credit card account from my personal credit report as its presence and reported status are both incorrect and damaging to my credit standing. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX
Product: Mortgage

The closing on my personal property XX/XX/XXXX. The mortgage company was over paid and they were supposed to send us a check for the overage of {$1600.00} as agreed upon at the closing. In Mid- XX/XX/XXXX, we still hadn't received the overage check so we reached out to XXXX XXXX XXXX advised us that it was their mistake and they would be sending out the check. In XX/XX/XXXX we reached out to them again and they said they sent out the check and that they would follow up on it. There was response so in XX/XX/XXXX we reached out again and they then told us the check had been sent out to us and cashed. We told then=m we had nit received any check nor cashed it. So they sent us a coy of a front of a check and the back of a check with a different account number and signature. We explained that it was obviously not us and they told us to get a police report and to talk to the bank and we did ( see attached documents ). The bank said they could not help us because we were not the issuers of the check the issuer has to deal with the issue directly. Here we are now XX/XX/XXXX and after various conversations with XXXX XXXX, of them promising to send out a replacement check and finally they told me last week that they would not issue a replacement check to go through the legal route and get an attorney to fight it out. That is why we are reaching out to you for some assistance in this matter. Please see all necessary documents supporting our claim attached.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) despite multiple dispute attempts. Experian has violated my consumer rights under the following provisions : 15 U.S.C. 1681i ( 5 ) Failure to properly investigate and correct errors in my credit report. 15 U.S.C. 1681c ( c ) Failure to remove outdated or incorrect information. 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy in reporting. I have submitted multiple dispute letters requesting the removal or correction of inaccurate information on my credit report, yet Experian has not complied within the required timeframes. I have attached copies of my dispute letters and Experians responses ( or lack thereof )
.The Accounts listed Below are the ones in question XXXX XXXX closed account paid in full says my last payment was XX/XX/year> but i have late payments XXXXXXXX XXXX XXXX XXXXXXXX XXXX this account was removed and put back on my report XXXX XXXX XXXXXXXX original creditor XXXX XXXX this account was reported as identity theft under XXXX XXXX XXXXXXXX XXXX XXXX XXXX  removed put bank now reporting inaccurate information also disputed directly with creditor XXXX  this is a deposit account not a credit account Bankruptcy XXXX this is inaccurate because who reported this to my report. Who verified this information with the original creditor. The Bankrupty Court XXXX XXXX XXXX  XXXX XXXX inaccurate payment history XXXX XXXX inaccurate payment history Additionally, I recently learned that the CFPB has filed a lawsuit against Experian for engaging in sham investigations and failing to properly handle disputes. This further supports my claim that Experian is violating my rights under the FCRA and negatively impacting my ability to access credit, housing, and employment.
Product: Credit reporting or other personal consumer reports

I was served to go to the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, the case was dismissed due to identity theft and someone using my personal information that wasn't me. 


XXXX XXXX XXXX was the XXXX XXXX was the XXXX
Product: Debt collection

Federal Trade Commission Reference Number :  XXXX   Hunter Warfield  has repeatedly tried to collect money from me that was paid to the employees of  XXXX   XXXX   XXXX  despite the fact that I have produced cancelled checks. I paid the company according to their instructions to the   XXXX   XXXX  . I moved out of the apartment into another company managed by  XXXX   XXXX   XXXX   XXXX .
Product: Debt collection

Brennon & Clark sent two letters stating that I owe XXXX XXXX XXXX {$500.00} for a business named XXXX XXXX XXXX. I have never owned a business nor have I ever had any insurance though XXXX XXXX XXXX.
Product: Credit card or prepaid card

I was a victim of ID fraud and theft and someone used my personal information to obtain a card from synchrony bank and my bank account was illegally debited in the amount of {$1800.00} I immediately filed a police report and filed a complaint with Synchrony Bank and after many years, they refunded me {$750.00}. I'm still owed {$1000.00} and I intend to recoup the money I'm out of. Synchrony Bank had no legal grounds or any authorization or consent from me to debit my checking account. This act of malfeasance and impropriety can not be ignored and tolerated. All I want is to be made financially whole and I will pursue legal action if necessary. Synchrony Bank has been most uncooperative in this most disturbing matter. Bank records don't lie and Synchrony Bank 's willing to issue me a partial refund demonstrates a consciousness of guilt and wrongdoing in the matter. My claim has substantial merit and legal basis and I'm respectfully requesting that you investigate the matter immediately.
Product: Debt collection

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their " USAA '' anything and thats why they can't validate these debts. Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I met the girl on an online dating app, and we started talking. 
Her aunt was a Crypto expert and " helped '' me with investments. They instructed me about everything. 

I wired money to a bank. Then transferred to Crypto.com. 
There is a fraudulent XXXX  called XXXX. This XXXX  page looks legit, but when try to withdraw they demand I send more money to prove I am not laundering money. 
They kept asking for more and more money and never allowed me to withdraw anything. 

I lost total amount of XXXX USD! 

Please see attached for more information.
Product: Debt collection

I moved out of a property that I rented in XX/XX/2019. My security deposit of {$720.00} was never returned to me. Transworld System Inc. reports my name to the credit bureau for an amount of {$550.00}. I do not owe this amount. I sent a certified letter to Transworld System inc stating that I do not owe this debt. Transworld failed to remove my name from the credit bureau.
Product: Credit reporting or other personal consumer reports

Chime Financial opened a fraudulent account ( Acct # XXXX ) using my SSN on XX/XX/year> while my credit was frozen/locked for Transunion, XXXX and XXXX ( Transunion was XXXX on XX/XX/year> ). On XX/XX/year>, XXXX reported an unauthorized account linked to my XXXX to Transunion. I contacted XXXX to report the fraudulent account on XX/XX/year> ( Call Ref : XXXX ), at which time XXXX could not locate the account. On XX/XX/year>, I had a Transunion investigation initiated and reported XXXX to the CFPB. On XX/XX/year> at XXXX XXXX, I received an email from XXXX indicating a fraud investigation was opened. This email provided a link for me to upload proof of my ID claim, including this FTC report. At XXXX XXXX on XX/XX/year> ( the same day ), I received an email indicating that the investigation was closed and Chime couldn't confirm that ID theft happened with the account. XXXX also took action to close the account less than XXXX hours after I was provided the opportunity to submit proof of fraud. THIS ACCOUNT WAS FRAUDULENT and Chime did not provide a thorough investigation. The fraudulent XXXX account still remains on my credit report.
Product: Checking or savings account

I opened a savings account with Marcus by Goldman Sachs and had money transferred there from a XXXX online account ( XXXX ). Marcus sent me a letter dated XX/XX/2023 addressed to XXXX XXXX, NJ stating that they closed the account and deposits received will be returned to me. Marcus only returned approximately XXXX of the funds via bank transfer to a XXXX bank account in the name of XXXX. In a letter dated XX/XX/2023 Marcus send a letter stating XX/XX/2023 Account was closed with amount of {$9200.00}. I have called numerous times to Marcus requesting the funds be returned to me. They keep transferring me to different departments and now are saying I am a victim of fraud. The only fraud is on Marcus end with not returning the funds to me as the stated they would. then they claim to have sent a check but no copy of a check can be produced. XXXX XXXX, XXXX  I sent a letter to Federal Reserve Consumer Help who told me to contact Consumer Financial Protection Bureau. I submitted a claim and Marcus response was that it appears to be fraud. As previously stated the fraud is with Marcus who acknowledges they received the funds, acknowledges they closed the account the funds were deposited in, acknowledges the total funds received, acknowledges that they will return the funds. I am attaching letters from Marcus detailing what they acknowledge. I have attached a copy of the overnight delivery envelope from Goldman Sachs, Letters from Marcus, Goldman Sachs detailing amount of deposits they had received, letter from Goldman Sachs detailing that they closed the account and would return ALL deposits received.
Product: Credit reporting or other personal consumer reports

I have written before to the credit bureau about my address and phone number that are current along with my name. Please delete all other names and address on file. My names should be XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, De XXXX, and my phone number is XXXX. Any other should be considered wrong and there fore deleted.
Product: Checking or savings account

US Bank started profiling gun stores ( which is a Constitutional right ) and asking all kinds of non-transaction questions to determine if we sold guns. They put it under the guise of " know your customer '' and used that to ask all kinds of non-transnational questions. I referred them to the ATF and FBI for the gun specific questions that were not pertinent to our banking relationship ( they wanted to know how we shipped guns etc ). They then closed my accounts because of this illegal profiling. They claimed they needed to know where my cash deposits came from - they know good and well and XXXX the manager and staff have been in my store before. So they knew who we were and it's not a secret that gun stores deposit cash. It was purely a witch hunt.
Product: Debt collection

Credit report showed discrepancy. I'm a victim of Identity Theft.
Product: Checking or savings account

on XX/XX/2020 {$2500.00} and {$120.00} Were taken from my account I just notice this transactions went to the bank to get some information about this Legal order fees, I had nothing pending or any court case open, I just asked for any court document or sentence they have to made this payment release and they showed nothing to me and I was never contact about this situation before?
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX