23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX or XXXX XXXX XXXX XXXX XXXX Virginia XXXX Attention General Counsel XXXX XXXX CAPITAL ONE XXXX XXXX XXXX CAPITAL ONE MULTI-ASSET EXECUTION TRUST We are writing to formally advise Capital One Bank of our legal standing and vested interest in the account in question. We are a competent contracting party, having reached the age of majority, and as an investor and shareholder with full knowledge that the referenced account is a security account that has been duly placed within a Financial Trust. 

At the inception of this contractual agreement, We submitted a negotiable instrument that was both collateralized and securitized VIA the Discount Window at the Federal Reserve Bank. As such, we reaffirm my standing and directive for Capital One to process the Durable Power of Attorney ( DPOA ) submitted on XX/XX/year>. Enclosed herewith, we are providing an additional copy of the DPOA for your reference, along with our formal complaint to the Consumer Financial Protection Bureau ( CFPB ), which underscores the necessity for Capital One to act in accordance with its fiduciary responsibilities. 

Pursuant to the Uniform Power of Attorney Act, which is enclosed for your review, we, as authorized representative, are duly acting on behalf of the principal, the legal entity XXXX XXXX. Capital One, as a financial institution entrusted with fiduciary duties, is expected to process and acknowledge the directives set forth in the Durable Power of Attorney in good faith and in honor, as required under governing financial and contract law. 

It is imperative that Capital One adheres to its fiduciary obligations and ensures that all administrative procedures regarding this matter are conducted with due diligence and without further delay. Please confirm receipt of this correspondence and provide a status update regarding the execution of the Durable Power of Attorney at your earliest convenience. 

Capital One Has failed to correspondence as they stated they would have. The Contact Information provided is accurate and up to date. We trust that Capital One will fulfill its obligations in alignment with the principles of good faith and fair dealing, and we look forward to hearing from you shortly. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

XXXX XXXX, Authorized Representative
Product: Credit card or prepaid card

The issuer of the visa credit / debit card is Coinbase Inc. ( which is tied to the XXXX Coinbase exchange ). 

Coinbase card acts as a debit card so you essentially need to pre pay the card by funding your Coinbase card account. 

I was heavily using my account because Coinbase offers crypto as a reward for using the card. A couple of months ago, I was informed by Coinbase that my card was deactivated because I violated the terms of service. I contacted Coinbase and after several days they reinstated the account but did not explain to me what triggered the deactivation. 

A few days ago - they did the same thing. They claimed that a charge I made on XX/XX/2022 for a bill from a XXXX law firm violated their terms- but again did not state what term I violated. 

I have called customer service several times and submitted several emails asking what term did the charge violate. Each time they only responded that I violated the terms of service with no explanation. Their customer service team is somewhere in XXXXXXXX XXXX XXXX XXXXXXXX and is very unhelpful. Prior to the above charge, I had made at least XXXX prior charges with the card with the same law firm. 

I suspect that because I was earning a lot in rewards from use of the card that they just made up an excuse to deactivate my card. Given the recent events in the crypto space, I would appreciate you investigating Coinbase and their card practices. If I violated their terms of service, they need to explain what I did. 

Thank you
Product: Checking or savings account

On XX/XX/year> I went to the BofA branch at XXXX XXXX XXXX, XXXX CA to change the title of my account from my personal name to my revocable trust. I was asked to provide the name of a successor as part of the documentation. I stated I did not have a successor, but had an executor, the representative said it was the same. When asked to review the documentation, XXXX XXXX, the branch manager explained that they successor and executor are not the same - I confirmed this with my attorney via email while still at the bank and she agreed executor and successor are not the same. I then asked that my request to change the title to the account be nullified as I had NOT signed any documentation. XXXX indicated that it is not possible to change back to my individual name as it had been entered into the system - even with NO signature. XXXX stated that to have my account back to my own name, I would have to close the account. 

How can Bank of America change the title of my account with NO signature? How can a system override any signature requirement? Why is the staff at Bank of America uninformed about the documentation they ask customers to sign?
Product: Checking or savings account

On this day, sat. XX/XX/2023 the following happened. Chime denied my dispute over unauthorized use of my banking card. Attached is a copy of the email I was just sent.
Product: Credit card

Chase credit card services is not properly processing my mailed payments. I have sent my payments off twice this year and have been assessed late fees.
Product: Debt collection

My ex was removed by the police back in XX/XX/2017 and I am getting collection calls at all hours for his bad debt. Most recent calls are coming from Midland Credit Management, I also received a call for my daughter. This has to stop. I pay my bills and something needs to be done to put a stop to this. No I did not give anyone permission to use me as a reference as they state nor the right to use my number. My number is also on the do not call list
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two addresses on my report ; one which I have no relation to : XXXX XXXX XXXX XXXX, TX XXXX Address ID # XXXX Single family. 

I also have a hard inquiry on my report that does not belong to me : XXXX XXXX CRED Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result in the immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Follow-Up : Dispute of Unauthorized Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Follow-Up on Dispute of Unauthorized Credit Inquiries Dear TransUnion, I am writing to follow up on my previous dispute regarding the unauthorized credit inquiries listed on my TransUnion credit report. In your response, you indicated that I should reach out to the entities listed on the inquiries to validate the permissible purpose. It is important to note that under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information reported on my credit report is accurate and has a permissible purpose. 

As mentioned previously, I did not authorize the following inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX / XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX According to Section 604 of the FCRA, credit inquiries are only allowed for specific permissible purposes, and it is your duty to ensure that each inquiry listed on my credit report meets these criteria. Shifting the burden of proof to the consumer is not compliant with the FCRA. 

I kindly request that you : 1. Investigate the unauthorized inquiries listed above. 
2. Remove these inquiries from my credit report if they can not be verified as having a permissible purpose. 
3. Provide me with an updated copy of my credit report once the unauthorized inquiries have been removed. 

Please find enclosed copies of my previous dispute letter, my identification documents, and a recent utility bill for verification purposes. 

Thank you for your prompt attention to this matter. Should you require any further information to process my request, please do not hesitate to contact me at the phone number or email address provided above. 

Sincerely, XXXX XXXX XXXX : - Copy of Previous Dispute Letter - Copy of Government-issued ID - Copy of Utility Bill
Product: Debt collection

I Tell the bankXX/XX/2019 Some one stole my money from my account and ask themto close my account directly. 
they promiss me they will do it. but I figure out in XX/XX/2019, someone still take money from my bank. 
I complaint again. the bank they said they cant return my money and cant close my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in the past 5 years we instituted a consumer statement on the Equifax website. The statement is now irrelevant and should be removed. We filed numerous disputes to have it removed but Equifax wont remove it.
Product: Mortgage

My complaint is against my mortgage servicer - Fifth Third Bank I pay my own insurance and taxes and do not use the mortgage company to escrow. XX/XX/XXXX I switched home insurance companies from XXXX to XXXX. I few months later I received a notice stating the mortgage company would place force placed home insurance on my home unless I provided proof of insurance by uploading a copy of my statement to the website they provided. About 45 days later I received another notice claiming they would be placing insurance unless I could provide proof the period of XXXX. I was still with XXXX ( the company I had been with for 3+ years ), but loaded proof of insurance from the carrier to their site. In XX/XX/XXXX, I received another letter stating they need proof. This time I called ( XX/XX/XXXX @ XXXX and spoke with XXXX ) and advised that I have provided this multiple times and they needed to correct my issue. I was assured by the representative that all I needed to do was provide my insurance carriers name and number and he would call the agent directly to have all this cleared up. I said I would not be happy if I received another one of these letters or worse yet, they force placed insurance when my home has been covered with no lapse in coverage this entire time. He advised me he would have it all taken care of and to not worry. I asked if i could wait on hold while he called, he said no. I asked if I could get a call back when it was taken care of and he said no, but don't worry, he would take care of it. Today I received a bill from Fifth Third Bank for the cost of them to provide insurance for the dates of XXXX. I immediately called them to speak with someone. I waited on hold for 25 minutes and the call was disconnected. When I called back, the recording said they were closed for the day and to please call back during normal business hours.
Product: Credit card

Applied for Chase saphire credit card. I have an excellent credit. Received a denial on the basis that if within 2 years I was approved for XXXX or more credit cards ( any bank ) I can not get the credit card. It 's very deceiving, because had I known prior to the application that that would be the case I would n't apply and waste a credit inquiry which negatively affects the score! Very disappointed, Chase should disclose and tell the customers PRIOR to applying that this is a condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX has a lien against my property for someone elses name. I have left multiple messages about this with their attorneys office & they will not speak to me because their client is XXXX and I am XXXX. IT is my house in my name and I need this lien removed from my property.
Product: Debt collection

I entered into a HELOC with the XXXX XXXX in XX/XX/XXXX. XXXX put a lien on the property at the concurrent with the execution of the HELOC documentation. Later that year, I was forced to file a Chapter XXXX Bankruptcy due to the failure of my business, and I received no further communications from XXXX. In XX/XX/XXXX, My wife and I each received an IRS Form XXXX ( Cancellation of Debt ) from Caliber Home Loans indicating that the debt had been cancelled. I did an on-line search for Caliber and called the Caliber Customer Support number to clarify what the XXXX was and to request that the original XXXX lien be lifted. I assume that Caliber bought the debt from XXXX. The customer service rep could not find any listing for this loan in their data base and gave me a number for the lien/debt collection department. I called this number, got put on automatic hold, and eventually was disconnected. I tried calling 4 more times with identical results. I included the XXXX in my personal income tax filing for XX/XX/XXXX. I now have my house up for sale and have gone through a local Title Company to assist in getting the lien lifted. The Title Company was told by Caliber representatives that company might reinstate the debt collection effort.
Product: Student loan

After multiple issues logging into their website, I requested edfinancial deliver statements via mail which I pay with checks. They took so long to deliver this first statement that it arrived at the same time as a warning for delinquency. I sent in a payment for the previous statement periods which cleared on XX/XX/XXXX. On XX/XX/XXXX they sent me a statement which I received today, which does not indicate that they received this payment. I have no way of knowing where this money is now, so I can not be sure if I should send the next payment. The amount they asked seems to be for 4 statement periods.

They have not provided me any information I requested to diagnose when these mail were sent or when payments were being received or credited. They have been vexacious in communications as they have sent a different person to respond to my messages each time, making it impossible to negotiate any solution. Their phone system is designed to waste time and the first time I called, I spent 20 minutes before being told they were closed. They have attempted to call back once without prior coordination so I was not there to answer, and have since not responded to any more information I've given them about these communication issues.
Product: Credit card

In XX/XX/XXXX, I got a letter that Citibank was closing all of my credit card accounts with no notice or reason given beyond that it is their right to close an account at any time they choose ( copy attached ). However, I believe that this kind of adverse action requires that an adverse action notice be provided under the Equal Credit Opportunity Act and the Fair Credit Reporting Act but was not given. While I asked for a reconsideration, without knowing the reason for the closing, I could not effectively argue that the closing was unfair and unwarranted. 
The bank was also unfair when they refused to give the rewards that were earned in the month that the account was closed. I made charges and paid the full amount owed before the account was closed. When I opened the Citi Double Cash, I was promised XXXX % on purchase and XXXX % on payment of the charges. I made {$10000.00} in charges and paid it before the account was closed but Citi refuses to pay the {$200.00} benefit. On the AT & T card, I made {$3900.00} in net charges that were paid before the account closed but Citibank refuses to pay the triple benefit for online purchases that are worth a {$110.00} statement credit. While I 'm not a lawyer, this feels like unfair enrichment and promissory estoppel. I did my part of the bargain but the bank refuses to do theirs. 
The final unfair practice that I experienced in the closure is that Citibank says that they can keep the full annual fee for the full year membership even though they decided to close the account before the full year. The Credit Card Accountability Disclosure Act says that the company needs to disclose the annual fee but the fee can be for far less than a full year if the bank closes the account. I believe that I should get the pro-rated annual fee refund that was denied. 
Thank you, in advance for your help with this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX - XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of a data breach and I request that all the accounts listed below be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are the result of the breach and I do not want them to negatively affect my credit file. 
Please find below the list of accounts and inquiries that should be blocked and deleted : Accounts : XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$500.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$790.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$3700.00} XXXX. UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$730.00} XXXX. UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$790.00} Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Debt collection

I was called by Diversified Recovery Bureau, LLC about a debt of {$1600.00}. Reference # : XXXX I told Diversified Recovery Bureau , LLC I didn't know what debt they were talking about and to send me a statement of the debt information so I can analyze it. 

Upon receipt of the debt information in the mail, I realized I did not receive any services from XXXX XXXX XXXX and this debt was not mine. 

I called the number provided by the Debt collection notice from Diversified Recovery Bureau , LLC : XXXX XXXX on Monday, XXXX at XXXX XXXX. Upon request of verification of debt of services from XXXX XXXX XXXX, XXXX XXXX, " I think this conversation is over ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquires from CARFINANCE.COM that I do not recognize and I would like for those to be removed from my credit report please. 
Here are the dates. 

XX/XX/2018 - - Creditor Name CARFINANCE.COM XX/XX/2018 - - Creditor Name CARFINANCE.COM XX/XX/2018 - - Creditor Name CARFINANCE.COM
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted TRANSUION and advised them of my identity theft documentation submitted police reports theft affidavits also FTC REPORT THEY STILL HAVE NOT REMOVE THE FRAUDULENT INQUIRIES AND THE COLLECTION ACCOUNT I ALSO FILED A legal civil suit for failing to protect my consumer rights and failing to remove the {$250.00} collection from XXXX XXXX at XXXX XXXX AND FAILING TO REMOVE ALL INQUIRIES I XXXX XXXX Is a victim of identity theft I have never done buisness with XXXX XXXX XXXX Or XXXX XXXX XXXX XXXX XXXXXXXX in which Im now also filing a {$2.00} XXXX dollar lawsuit against TRANSUION for their lack of proper investigation and not blocking and removing this collection from my account within 4 buisness days according to section 605b of the fair credit reporting act
Product: Checking or savings account

When my brother was alive I did present myself to the lender ( Chase Bank ) with a power of atty. trying to collect and withdraw the total money in my brother 's savings account because my brother was XXXX XXXX XXXX XXXXXXXX ) and had few months to live. The answer I received was : Our legal department will look into it and after waiting several days, I was told the signatures do not look ok and refused to let me have the money. A month later my brother passed away ( XX/XX/2022 ) and the case went to probate. After waiting six month I received the probate papers last week and presented to the bank but ... ..again ... ..the answer I received was ... ..our legal department will look into it and there is a process that we have to go thru. Fine, I understand ... ..I did go to the lenders address at least few times with no result ... .bear in mind every time I go to their office... ..I lose money ( income ) from my work. I do have a family to support with a big mortgage on my house. The lender does not seem to understand nor care. They are dragging their feet. I submitted to the bank ALL necessary papers including my brother 's certificate of death etc ... .. and I left all these papers with them a week ago. This process that the lender is referring to really should not take this long as I do have my brother 's creditors calling me every day for their payments and I told them this .... the answer was ... .we don't care about that ... .. we have a process in the banking system. The person whom I talked to was XXXX XXXX XXXX at XXXX and the branch manager XXXX XXXX XXXX at same branch located at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Every time I was in that office I conducted myself in a professional way, did not press them and was very curtious.
Product: Credit reporting or other personal consumer reports

Ive reached out to the credit report comapany about the bankruptcy oone my report and the accounts that are showing negitive on my report and they refuse to show ownership or proof that they belong to me
Product: Mortgage

Freedom Mortgage charges me {$160.00}. to make payment, and {$30.00} for each question i have. 
I believe it wrong, they need to stop it.