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

Attention XXXX XXXX : I applied for a Credit Card on XX/XX/2023 and was denied. Contrary to your presumptions and alleged reasoning for denying me, I have the right to Full Faith and Credit, see the attached document ( s ). Your Language Fraud, False and Misleading Denial of my Own Credits is pursuant to 17 CFR 240.15c1-2 - Fraud and Misrepresentation and 15 USC 1692e False and Misleading representation. You are unlawfully and knowingly withholding access to my securities that I the bondholder authorized on the initial tender of payment/application/credit card from the certificate of indebtedness bond. Your wilful withholding of my access to my securities is defined as securities fraud pursuant to 18 U.S. Code 1348 - Securities and Commodities Fraud. You are not only wilfully violating my right to my Credits ; you are also in violation, and non-compliance with the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are unlawfully denying me my Credits, Retract my Application immediately upon receipt of this NOTICE, non-assumpsit. A Certified verification letter in writing/typed with the company letterhead and an Officials signature confirming my Application Retraction is required point by point, exact, for my record keeping ; non-assumpsit. Thank you for your cooperation in this matter. XXXX XXXX XXXX Beneficiary/Attorney in Fact .
Product: Debt collection

I have received two phone calls from Calvary Portfolio Services, on on XX/XX/2020 and the second on XX/XX/2020. Both times a voicemail was left. The first time, the caller only stated that he worked for Calvary and then proceeded to state the company a debt was owed to and the amount. The second time, the caller ide tidied himself as XXXX XXXX and that i should listen to the voicemail in private. He then continued to state he was a debt collector and a debt was owed to XXXX and specified amount. I have no mailed notification from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information to the credit bureau and illegal reading the account. The card was charged off in XXXX and is reportedly XXXX which is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX and requested ( 2 times this far ) they remove the debt collection by XXXX XXXX from my credit report. 

Although XXXX XXXX assured me the collection would be removed ( in person at their store ) nothing has happened. Its been over a year and Ive not heard from them.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX  who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report with XXXX, TransUnion, and XXXX and discovered that XXXX XXXX XXXX ( ACCOUNT NO : XXXXXXXX XXXX ) that I did not recognize. My credit report 's true and accurate creditworthiness has been damaged by XXXX XXXX XXXX account wrong reporting. I never had account with XXXX XXXX XXXX on XX/XX/year>. I am hopeful that under the laws of the Fair Credit Reporting Act ( FCRA ) you will investigate and send a notification to the credit reporting agencies and original creditor to DELETE the fraudulent information from my credit report immediately.
Product: Credit card or prepaid card

XXXX I tried to apply for a loan at my local bank and they notified me that my credit report was perfect except for a card that was taken out in XXXX of 2021. It is from Citi cards CBNA and was charged {$1600.00} in XXXX of this year. The card never had a payment made and is in deliquency. 

I did not apply for or receive that card. 

XXXX XXXX I tried to log on to Citi cards using my social security number saying I forgot my account number. I was trying to get information about the card. Citi website said " that social security number does not match anyone in our accounts '' I contacted Citi on XXXX at XXXX XXXX  and spoke to XXXX who then transferred me to XXXX. I explained the situation to her and she said because the card is not actually mine they can not give me any information about it. I pressed her because they say it is mine and she gave a few details as she questioned me. 

The card was opened in Ohio. I have never lived in that State. 
They used an old 15-year-old inactive phone number. 
The account has the wrong SS number. 

Wrong address, wrong phone number, wrong email, wrong SS number. and yet Citi approved the card. 

I asked how Citi could open an account with so many errors on it and she said " I can not comment on that sir '' I want it taken off of my credit report and they said it will be investigated and they will call me. It has been a week and no one has called and when I call the number they gave me it basically says we will call you. 

No one has contacted me. 

I want this taken off my credit report.
Product: Debt collection

Call every day around XXXX XXXX Robo call looking for person who is not me.
Product: Checking or savings account

Chase refuses to revoke authorization from tolls collection agency. I called the collection agency to fix the dates and they still are double charging and on wrong dates. I called chase and they said they cant do anything for this unauthorized transaction or future ones because I have done business with this merchant. The only option they gave me is to change my bank account number. 
I searched on your website and it says I should be able to stop payments and revoke authorizations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXXXXXX XXXX XXXX along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested XXXX To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 


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

On XX/XX/XXXX I withdrew XXXX Bitcoin from my BTC wallet on XXXX to a generated wallet in my account on XXXX. About 10 minutes prior to this transfer I withdrew XXXX Bitcoin to the same XXXX account and the transfer went through quickly and without incident. However the XXXX Bitcoin never showed up in my XXXX account. I received several automated emails from coinbase, the company that runs XXXX, stating that my deposit completed successfully, however the bitcoin was never deposited into my XXXX wallet. I have sent coinbase customer support two emails and have received no response. I have looked online for other people experiencing this issue and it has happened to many people, getting the exact same emails when transferring from coinbase to XXXX and not having their deposits show up, even when they show as completed on coinbase. People have had their deposits in limbo for almost 3 weeks now and coinbase customer support can take months to reply. This is n't right, this is Coinbase 's fault and they need to take responsibility for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue goes back to XXXX crisis - We have paid our mortgage and requested assistance from our mortgage company XXXX - Basics are in XXXX they told us they wouldn't help us unless we stopped making our mortgage payments. We stopped In XXXX they decided to foreclose - we were not willing to do that - we have many assets and decided to do a XXXX XXXX Bankruptcy. XX/XX/XXXX. We paid our mortgage and bankruptcy every month and was to be discharged XX/XX/XXXX. When the Trustee sent out the statement to creditors that they were discharging the bankruptcy there was a statement sent to us in XX/XX/XXXX that stated we owed an additional 3 months. 
With much back and forth conversation between our lawyers and XXXX XXXX, we paid what they stated we owed to be worked out later as to not upset our credit coming out of Bankruptcy. the Bankruptcy was discharged in XX/XX/XXXX. On one credit report it states Dispute resolved ; reported by grantor. But when I go into history it says 90 delinquent as of XX/XX/XXXX. 
We discovered this when we applied to refinance our mortgage which is over 7 % interest. 
We have been paying for XXXX  years and have about {$12000.00} equity in our home. We want to refinance with the low rates but run into roadblock with this on our credit report. 
I disputed it with XXXX  and they stated that they stopped reporting when we went into bankruptcy and then when it was discharged we were behind. We had no account of this on our statements and was shocked to see the statement owing over {$12000.00}. 
I do have all the documentation from the 15 years statements, payments bankruptcy, discharge etc. 
I have provided this information to XXXX and have attached what seems to be the months in question, XXXX, XXXX, XXXX of XXXX and coming out of Bankruptcy with an amount due in statement of {$12000.00}. 
What is extremely curious about this is I have XXXX XX/XX/XXXX statements. 
XXXX Dated XX/XX/XXXX due XX/XX/XXXX - {$2600.00} XXXX Dated XX/XX/XXXX due XX/XX/XXXX - {$5300.00} ( was paid in the grace period after statement ) XXXX Dated XX/XX/XXXX says Loan date XX/XX/XXXX due XX/XX/XXXX - {$12000.00} None of the statements for XXXX, XXXX, XXXX, XXXX or XXXX had a delinquent amount due. The amount in question was {$7600.00} supposedly that is 3 months but the math does not equal this amount. 
XXXX XXXX = {$7900.00} It is all very confusing to us. We then this year received a check from XXXX for an over payment. We have continued to pay on time the amount of {$2600.00}. then when they did there end of the year audit they sent us a check for {$2600.00} said it was over payment. 
We have multiple inquiries and conversations with XXXX ourselves as well as our attorney who deals with debt and bankruptcies all the time and has not ever encountered this level of difficulty in working with a mortgage company.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.
Product: Credit card

Synchrony bank ( line of credit for XXXX XXXX ) closed my account with out my permission, with a balance. When we have paid the card down to 30 % or lower, synchrony dropped our credit limit to the balance so it is always maxed out. This has greatly affected my credit report. 


I also have another account with synchrony XXXX XXXX. This account has also been lowered on my credit limit. Whenever we get to about 30 % or lower of the credit limit they drop my limit to the balance maxing out the credit line. 


There was also an issue when, the other person on the account did a balance transfer and the bank transferred the wrong balance. XXXX reported it as a late payment although there was no balance to pay when logging into the site. We called them to correct the issue, and our payment amount and payment history was incorrect for XXXX  months until it was corrected. 

We don't think it is correct that they can just lower our credit limit when we have been making onetime payments and have good history with them. Closing our account with an open balance has a major affect on our credit and borrowing history and causes us issues in the future. We don't feel like we did anything to give them a reason to lower the limit or to close the account. They stated they can close it if your credit score goes down, but there are many factors to credit and many things can make it go up or down. Including closing a card with a balance will make it go down enormously. We have been in the process of trying to get qualified to buy a home and now we can not due to them impacting our credit. 

This company doesn't consider the well being of its customers. 
I would definitely strongly recommend not using this company. When we decided to use financing we thought it would help build our credit by having a credit line and making on time and larger payments. This definitely was not the case working with this creditor.
Product: Debt collection

This company, XXXX XXXX, which one of it's services I found is debt collection, keeps contacting me. 

On the first call, they asked to speak to me by asking my specific name, and then asked the procedural identity questions such as what my Date of Birth, Home address and Last four of my social security were. They then proced to say, " they can not establish '' my identity, and to email their technical support. They also say they, '' are unable to discuss anythign further due to privacy and security concerns. '' To this statement I replied first, to send me written information to the nature of the call to my home address, and second, if they have established I am not the correct person they need to speak to, then they need to discontinue calling my number. 

They would not discuss anything further, and told me that they will keep calling until I " straigten things out with their support '' I have not, since the first phone call on the XX/XX/XXXX, received anything written from XXXX XXXX, and they continue to call me. 

They have called me on the XX/XX/XXXX, and on the 4th, 7th and XX/XX/XXXX, despite my telling them repeatedly to not call me and to send me written information as to what the call entails. They do not want to discuss the nature of the call, nor send any written information. 

I called them back, and instead of sending me to their website, XXXX, they told me to go to XXXX NOTE : I asked them for a mailing address to put into a complaint form, and they refused to give it to me.
Product: Credit card or prepaid card

Chase refused to give me a credit after I disputed the transaction. The merchant refused to give me a credit even though they delivered a product to the wrong address. After the the merchant sent XXXX documentation CLEARLY SHOWING it was delivered to an address that was not the delivery address, Chase still refuses to give me a credit for the amount. I talked to XXXX, a disputes supervisor and he was unsystematic and completely unwilling to help me find a solution to the issue. They are clearly colluding with the merchant and not protecting the their customers art all.
Product: Mortgage

I had home owners insurance with XXXX XXXX ; however, I decided to change to XXXX. I had home owners insurance with XXXX ins. until XXXX or XXXX of XXXX. I switched to XXXX in XXXX, XXXX. Wells Fargo place home owners insurance on my house at a cost of {$1800.00} a year -- -saying that I had no homeowners insurance. I called Wells Fargo, the customer service person told me to go the their website and up-load the insurance binder to them and everything will be fine. I did upload this to the website provided and thought everything was ok. Unfortunately, I receive another letter from Wells Fargo stating that they have actually purchased the insurance through Wells Fargo. At this point, I called XXXX and explained the situation, XXXX called Wells Fargo and sent them the insurance binder to the address that was given to them by Wells Fargo. I though everything was okay, but on XXXX XXXX, XXXX, I received another letter from Wells Fargo that they said that I broke an agreement to keep insurance on the house. I called XXXX to make sure that I still had insurance on the house, they said everything was fine, that I did in fact have home owners insurance until XXXX, XXXX
Product: Mortgage

Around XXXX 2014 BBVA Compass did a Mortgage loan for me. The loan officer was very helpful. The loan officer and I requested to do the mortgage payment 30 year fix with an amortization for 30 years. Before I started the refinance with BBVA Compass I had a construction loan with another bank that has a balloon payment as soon as the house was finished. When we went to closing to my surprise the mortgage payment was set up to be paid every 2 weeks just principal and interest. It was too late to back down since I was at the closing and had the balloon payment. My loan officer contacted her manager XXXX XXXX, XXXX XXXX stated that he will help to modify the loan later on. However I tried to get in contact with the loan officer around the middle of the year and she gave me XXXX XXXX 's phone number since the loan officer was on leave sick and never return to work to BBVA Compass. I tried to call her manager several times since but never heard from him. 
I have also tried calling several times to several phone numbers, leave messages and no one return my phone call. The most recent number that I called was XXXX I left a message explained my situation that I can not pay every two weeks since it is killing me and putting my family in a hardship. Currently my business is not doing very well as before. All I am asking is to modify to pay monthly payments not every two weeks.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

This complaint is regarding the XXXX XXXX. I have been a customer for over a year and this savings app takes money from my account to place in my digit savings account. On XX/XX/XXXX, I attempted to log in as I do multiple times a day and the app no longer accepted my pin. We went through the two step verification to log in and it turns out that the account still has my old phone number attached so I can not receive my verification code. I checked the digit help center and there is no phone number to call, only a help email address and help center. I created an inquiry through the company website on XXXX as well as sending an email. Another email was sent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have upwards of XXXX dollars in this savings that I use for bills. I am unable to access my funds and the company is still taking money out of my checking account. Please help me gain access to my funds.
Product: Credit reporting or other personal consumer reports

I learned that the company reported the account as Charged off. I requested a 1099c as I am about to complete my tax return. They denied my request saying that I would have to ask my tax preparer for the 1099c.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not happy with the way your company EXPERAIN is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Creditor : Account : Reason : Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There is a name, 2 addresses, and a previous employer that are inaccurate. On XX/XX/20, I mailed a letter to Experian asking to please make these changes. They did not respond and also did not make any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX rovide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.