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

I tried linking my banking account with XXXX a cryptocurrency platform and my connection was blocked. I haven't called the bank to settle this yet but I wanted to file this here. This was done today. Earlier the bank called because they had blocked a transaction of purchase and they asked if it was me and I let them know. They should have allowed this connection to go through already. I would just like to figure out why does this continue to get blocked with they had talked to me earlier. Thank you
Product: Mortgage

Our lender is PennyMac, though we initially bought our home through XXXX mortgage. We received a letter that beginning next month, XXXX XXXX, our payment will be increasing from the current amount of {$1700.00} to {$2400.00} due to an escrow deficiency. This is an insane increase to be facing, and it just feels like this has to be an error! We understand that escrow estimates can adjust, but this is such a ridiculously high amount that it seems as though PennyMac screwed up somewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 6 months, my credit has dropped 70 points and then goes back up several weeks later. There is no reason for this drastic drop. I had a couple of hard inquiries but that would never make it go down that much. It continually is up and down drastically. Recently my bank account was compromised and I called transunion three times to get this issue resolved and no one helps me. They refuse to look into it and tell me to look at my credit report, which I have. I have been denied access to a supervisor there and was told they can not help me. There is no explanation for this drastic fluctuation on my report. I tried again today and they told me to call you because you have access to my credit. This is insanity and is affecting my getting a car loan and many other issues. Please. All my payments are made on time. I have not utilized all my credit and my status has remained the same so there is no reason for this severe fluctuation of my credit score.
Product: Bank account or service

I opened a Bank of America core checking account XXXX 2016 in response to an email offer that provided a bonus of {$100.00} if XXXX direct deposits of at least {$250.00} each were made within 90 days of account opening. It also says that after meeting the requirements " BOA will make every attempt to deposit the bonus within 60 days. '' However, after questioning BOA reps two times now via chat, I 've received conflicting information. Some say there was no chance of the account even being considered for the bonus until 90 days have passed, some can not tell me what bonus my account is coded for, if any. I was even lead to believe by the first representative that I should see the bonus within a week. That has not happened. I understand that I 've met the terms as of XXXX/XXXX/16 ( my XXXX qualifying employer direct deposit ), so I would look for the bonus by XXXX/XXXX/16. No one has provided that date, and instead make it seem like BOA could wait months after. If that was the case, they should have stated so in their offer. I just want the date I will receive the bonus, otherwise, I am sure I would have ended up submitting a complaint after another several weeks of being given the run-around after XXXX/XXXX/16.
Product: Credit card or prepaid card

Discovercard has taken a very long time to resolve a double charge on my account and they refuse to acknowledge the fact that I have already wrote checks to the in-home senior care company which they cashed, resulting in an overpayment made by me. The fact that they cashed three checks that I wrote to them has never been looked at, so the charge has remained on my account, even though it was never authorized by me. They are not listening to me when I call them by phone. I have already reimbursed the service provider from their " Mistake '' of charging me twice for the same horrible service, so why does the charge still exist?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this account in full and it closed. It was deleted from XXXX and XXXX. I have disputed with Experian 2 times about this account. Please delete this account from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on all information on my credit report with transunion. looking at all the errors this has been hurting my file. delete the information requested asap.
Product: Checking or savings account

Starting on XXXX - XX/XX/year> Someone was using my Sofi account to send all of my disability payments out during this time period to different people using XXXX. That total amount that was stolen out of my account was {$1200.00}. Then the following month on XX/XX/year>, the same thing happened but only one person stole {$1300.00} and they took it out via XXXX XXXX? I don't use XXXX XXXX or XXXX. This is still going on and I reported it to Sofi and we changed the password on my accounts but that still didn't help. On XX/XX/year> it happened again and they removed {$800.00} so I'm out around {$3400.00} by now. I only get {$1400.00} a month for disability and they took everything from me, every month and it is still happening and I can't stop it, SOFI finally just restricted my account and said they were not covering the charges and so here we are. All I want is for this to end and if I get my money back, that would just be a bonus at this point. PLEASE HELP ME GET THIS RESOLVED, IT ' S SLOWLY XXXX  ME!!
Product: Money transfer, virtual currency, or money service

Coinbase has locked my account and I have sent several message and contacted customer support several times. They say an account specialist is working on it. I waited 12 days and telephone support has not come up with an answer and my account can not be accessed. I have no idea when they will unlock my account. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in onXX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported a late payment that I actually paid on time
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting a complaint through the CFPB initially, Transunion received and initiated a dispute. Transunion verified the inaccurate information as accurate. By doing so they have violated the FRCA section 623 refusing to correct or delete inaccurate information my report. More specifically, I reference the fact that Transunion falsely verified as accurate : 1. The date closed is inaccurate. How can the account be closed in on XX/XX/XXXX, but continue to report late payment the following months. 
2. Last payment made shows to be on XX/XX/XXXX but in my payment history shows my last payment to be on XX/XX/XXXX. 
XXXX. The account shows charged of only after a XXXX date late. According to the Metro 2 standard, a charge off is considered to be after a 120 day late. 
4. The Date Updated Field has never changed to reflect my Disputes, last on XX/XX/XXXX which make me believe that there was no investigation done after notifying Transunion of the this inaccurate account via the dispute process. 
This account is not reporting 100 % accurately and is a direct violation of the FRCA section 623 and the Metro 2 standard. Please review attached verified report sent to me by Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of 21 late payments on my report. All of these payments have been made along with arrangements so the payment will not be marked as late. I reached out multiple times to fix this problem of the years and nothing have changed
Product: Credit reporting or other personal consumer reports

This car was involved in a car accident and the insurance company paid for everything and previously XXXX had this account and I had to file a complaint against them after my Bankruptcy was dismissed on : XX/XX/year> I just received notice that XXXX XXXX XXXX XXXX, is currently reporting debts of : XXXX XXXX XXXX ( XXXX equipment was returned ) prior to filing the Bankruptcy case XXXX XXXX XXXX
Product: Debt collection

I agreed to move into an apartment complex but a week in it became clear they were infested with bugs. So the apartment manager told me that I could move out and get my deposit. They gave me back the deposit but 2 years later there 's a charge for around {$3500.00} on my credit report.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a 30 day late payment reported for XX/XX/2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Student loan

I received correspondence from PNC Bank Executive Client Relations. They sent me a letter in XXXX. They marked the letter with the wrong date : XX/XX/XXXX. 

PNC Bank and XXXX refuse to acknowledge a payment history of {$6600.00}. They stated " we have no knowledge of {$6000.00} payment. '' I told them that more than XXXX XXXX  dollars have been paid to XXXXPNC Bank collaborative . 

XXXX XXXX  said that they erased all the accounting history from previous loans, and have data for the only remaining loan. 

They wrote : " PNC reviewed your assertions in this matter and determined that XXXX has no record of receiving a {$6000.00} payment. If you have proof of a payment that has not been credited to the Loans, pleasecontact XXXX at XXXX. '' This is financial misconduct by PNC Bank. I understand they get tired and frustrated because of multiple calls by consumer for this issue. The CFPB complaint was : XXXX. 

I am attaching a picture from XXXX, showing that I paid a principal balance of {$5000.00}. And total interest paid : {$1300.00}. The total payment is {$6000.00} plus dollars. 


I am attaching the financial misconduct document from PNC Bank, showing they responded on XXXX, from a letter from XXXX, saying I still owe money. The outdated letter cam from XXXX XXXX. 

Please provide certification of a total payment of {$6600.00} to XXXX as of todays present date. And please provide a letter showing all the interest that has been accumulated over the lifetime of this loan. The correspondence had computer viruses, which is felony computer hacking, under USC Criminal Code.
Product: Checking or savings account

In XX/XX/year>, I noticed a fraudulent transaction from my checking account. It was made to Coinbase, but I didn't make the transfer of funds nor did I authorize it. I went to my Coinbase account only to discover that all my XXXX had been converted to USD and a different XXXX that I had never heard of was purchased with the money. I also discovered several other fraudulent purchases of which I had no clue. I immediately called Coinbase to alert them to the fraud and spent over an hour on the phone with a representative. The rep said he'd have to temporarily lock my account while he verified my identity, which could take up to 48 hours, and that he'd send me an email when I was verified. I never heard back. Instead, the rep, or someone else in the company, locked me out of my account instead of following through on the help they said they'd provide. They did this before I was able to print a copy of all the transactions. On the same day, I also contacted my bank and closed my checking account. The bank returned the money to my account only to take it back when they were notified by Coinbase that I authorized the transaction. I tried to get info from Coinbase on how they determined that I authorized this, with no luck. I also tried to get documentation from my bank and was twice told they'd send it to me, but have yet to receive it. I had security measures in effect on my Coinbase account, so don't believe it was a security breach on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX submitting this complaint against Experian and there is no third party involved. 

I demand Experian to provide me a copy of my written consent and written instructions to furnish these fraudulent and inaccurate said accounts. 

Collection Acct XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} Inquiry - XXXX XXXX  XXXX XX/XX/XXXX Inquiry - XXXX XXXX XX/XX/XXXX Also provide me with Experian 's Verification method to " verify '' said accounts. 

In accordance with the FCRA Experian has violated my rights. 15 USC 1681 section 602 states I have a RIGHT TO PRIVACY. Also 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

Delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifi
able proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive battled this debt thats been on my credit for over 5 years. Ive never had a Bank of The West account. Police have been contacted and also request it be removed. It has been ruining business and must be removed. Ive requested proof that this is my account and of course it doesnt exist because its fraudulent
Product: Checking or savings account

Wrote a person a check of {$1000.00} from my business account. 

Check was paid by Suntrust on XX/XX/XXXX. 

Check was paid by Suntrust again on XX/XX/XXXX. 

Person claims they found the check and deposited again thru their XXXX XXXX XXXX app. 

How can a check clear twice? 

How can a check clear twice almost a year later? 

I submitted my claim to Suntrust at it was denied because I did it after 30 days from the check being paid. ( The second check. )
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( XXXX  ) XXXX XXXX Presume that no proof of the alleged debt. Nor Therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX {$910.00}
Product: Vehicle loan or lease

The company is Capital One Auto Finance. It should state on my credit report that this account is paid in full. Please make this correction. The company number is XXXX. PAID IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've handwritten letters and called the 3 major credit reporting agencies to remove any and all fraud alerts and statements from my credit file. At the time they said they will but did not. So now I'm filing a complaint on here, Demanding that the 3 major credit reporting agencies, XXXX, XXXX, and Experian all REMOVE any and all fraud alerts and statements from my credit file immediately.
Product: Debt collection

I received an updated copy of my credit report to find out that DIVERSIFIED CONSULTANTS INC. reported that i owe XXXX for XXXX when this account has already been proven that it was not mines, and removed not once but twice. This account has been sold to 2 different collection agencies.
Product: Mortgage

I contacted Nationstar mortgage about refinancing my home. After they gather all information from. Right the appraisal they ask me for large sum of amount of money. when i did my research from legit site which my local assessor, XXXX, property shark. I 'm seeing that they are not treating me fairly based on the comparable of the home which I 'm going to send you information. as well I email the loan specialist many time for the appraisal to re look at the value. every time he comes back tell me a different story so i would like to get to the bottom of the real truth which I already know. it is about money not fairness of the law.
Product: Checking or savings account

I am filing another complaint against Wells Fargo regarding a disputed charge. I disputed a charge of {$850.00} believing they were fraudulent since my ads are paused and my threshold limit is {$200.00} a month. The Wells Fargo representative disputed the charge fraud rather than unauthorized. Wells Fargo then denied my dispute, stating that it was not classified as fraud and that I could only dispute the charge once, despite having supporting documentation that indicates the dispute was filed incorrectly. I believe this policy is unfair and would like further assistance in resolving this matter. I did not authorize this charge and I am being held responsible for unauthorized transactions. This happened a second time for {$850.00} and Wells Fargo is still giving me the same information although I have canceled my XXXX ads account and do not have any ads running, I did not authorize XXXX Ads to take {$850.00} from my account again and the bank is not resolving this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt on my credit report and they have never sent me a notice. By law they are required to send a 30 day right to dispute notice, they can not just place it on my credit report. 
For 2 I already settled this debt previously with XXXX XXXX attorney so this debt is not owed.
Product: Bank account or service

I am a customer at Union Bank California. Was denied services and a check endorsed to me was refused. XXXX the teller had no banking information on me. Did not swipe my card nor ask for ID. He immediately took the check to his manager XXXX who also refused my request to deposit this check endorsed to me. I was DISCRIMINATED against based on my appearance and not account information. After leaving I contacted the branch manager XXXX who then also informed me that his teller did the right thing by denying my check. XXXX stated that if he had taken the check from me, that doing this would put him at risk insinuating the check may be bad, or fraud may be involved. I was not only insulted but also humiliated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Certified Mail to all 3 credit bureaus ( XXXX, XXXX and Transunion ) notifying them that the personal information listed on my report is inaccurate. Credit bureaus are legally required to report accurate and up to date information. On all 3 reports addresses, phone numbers and alias names were linked to myself. This may possibly be from identity fraud or negligence on the part of these credit agencies.
Product: Money transfer, virtual currency, or money service

Subject : Coinbase Account Locked and Unresponsive Support Summary : Since XX/XX/year>, my Coinbase account has been completely blockednot just restricted, but entirely inaccessible. I can not log in, nor can I contact Coinbase support to open a ticket or inquire about my account. I no longer have access to the funds deposited on the platform, and despite my efforts, Coinbase has not provided a resolution to this issue. 

Timeline of Events : XX/XX/year> : I received an email stating that my XXXX  wallet on Coinbase was deactivated due to eligibility restrictions. 

XX/XX/year> : I received a request for additional Know Your Customer ( KYC ) information. Coinbase gave me 15 days to provide details about my occupation, the source of my funds, and additional documentation. However, I was on vacation and missed the deadline. 

XX/XX/year> : I attempted to log into my account and received an error message stating that I should " try again later '' and that my funds were " safe. '' I immediately opened a case ( # XXXX ) for account access issues, but the problem persisted. 

XX/XX/year> : Coinbase sent another email requesting the missing information and warned me that failure to provide it within 5 days would result in account restrictions. 

My response : I replied to Coinbase explaining that I am more than willing to provide the requested documents, but I can not access my account to do so. I explained that every time I attempt to log in, I receive the same error message. 

XX/XX/year> : I finally managed to respond to their KYC request, providing the requested information and documentation. However, I continued to receive KYC requests and reminders as if I had not submitted anything. 

XX/XX/year> : Coinbase responded to my formal complaint, stating that I had not provided the requested information. However, I had already sent the required documents twiceon XX/XX/XXXX and again in response to their XX/XX/XXXX request. 

Recent KYC Requests : Even after fulfilling their requests multiple times, I continue to receive KYC emails. The last request was on XX/XX/year>, to which I responded again, but no feedback or resolution has been provided. 

Current Situation : I am still unable to access my Coinbase account and the funds within it. I am in the process of relocating from XXXX XXXX to XXXX, but as of now, I am still fiscally domiciled in XXXX XXXX. Despite complying with Coinbase 's requests, I have received no resolution, and I am now seeking external help to regain access to my account. 

Request for Resolution : I am seeking the CFPB 's assistance in ensuring that Coinbase reopens my account, provides access to my funds, and improves their support and communication regarding these issues. I have fully complied with all their requests, yet my account remains blocked without any explanation or way to resolve the issue. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

There are 3 closed Department of Education/XXXX  accounts on all three of my credit reports. One was opened in XX/XX/XXXX, one XX/XX/XXXX, and the last XX/XX/XXXX. All these accounts are older than 10 years and need to be removed from my credit report. I have contacted all three credit bureaus and they have done nothing and said everything was satisfactory when it is evident that all three student loan accounts are older than 10 years.