23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) U.S.C 1681 Section 602 The right to privacy 5. ) 15 US Code 5 Section 1681b : Permissible purposes of consumer reports 6. ) 15 U.S.C 1681 Section 604a, Section 2 : A consumer reporting agency can not furnish an account without your written instructions 7. ) TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) 8. ) United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online press release, including documentation of any potential small claims action.

Please see the attached file below.
Product: Checking or savings account

I received a bank debit card in the mail for a bank account that I never opened nor have done any business with that bank. I called Bank of America and finally got a representative that then transferred me to their identity theft department and was on hold for over an hour and then the call was disconnected. I am attempting to contact someone again.
Product: Credit reporting or other personal consumer reports

Remove the following accounts for improper use of my credit report.These accounts are collection accounts showing an amount past due an a complete payment history XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They said I have the following loans XXXXXXXX Loan IDs XXXX, XXXX, XXXX, XXXX all of these on an XXXX  Virtual Cards. I never received any paperwork or documentation of any kind. I never signed anything. I dont even know what a Virtual Card is. I just was getting text and e-mails saying my payment was due on the XXXX to text a code to charge these and just listed the last XXXX numbers of a credit card numbers which I dont having any credit cards with any of the the numbers they had listed. I thought this was a scam so I ignored it. They say these loans were taken out on XXXX. They started the texting and e-mails I believe it was either XXXX or XXXX. I didnt start paying attention to this until they reported to Experian for delinquent account. I contacted them with the help of an agency I have a membership in called XXXX. XXXX did a 5 day investigation and is still claiming these are my loans which is not true. I used an XXXX in the past to pay for a hotel in XXXX payments, but it was drawn automatically out of my bank account. This has already severely effected my credit rating on Experian. I went from a XXXX down to a XXXX.
Product: Credit reporting or other personal consumer reports

I recently found inquiries on my credit report that aren't mine.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I recently contacted Experian Fraud department and they did not handle my claim legit. It seems to be fun and games but I wanted to report the practice of Experian not deleting what should be off of my report since it has now been 7 years. They instead disputed it and a few days before the investigation expires they I received an updated status of " remains '' I would like for you to please investigate this practice with Experian so that they can remove the aged account per FCRA of a reporting of a negative account. Even on my Experian report it states removal is XX/XX/year>. I will sue for each day it sits on my report for violating the FCRA It is under report number XXXX XX/XX/year>XXXX XXXX
Product: Mortgage

im complaining of behalf of Wells Fargo Bank going on XXXX years have been a living XXXX, in the process i had hired 3 Attorneys and literally got rip off by all of them especially one particular attorney that did nothing to modified. Until a year later i got modified myself without an attorney. I have Three accounts with wells fargo especially the mortgage account to save my home and there customer service is the worse. The personal accounts is horrible too because there overdraft fees are XXXX dollars a pop and there is another bank that reduce there overdraft fees to XXXX because they know due to Covid.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Citi Bank had a {$400.00} checking promotion for keeping {$15000.00} in an account for 30 days. Around XXXX/XXXX/16 I opened an account with them and sent {$15000.00} for deposit. They sent an email that went to my junk mail requiring more information. Since I did not receive it, or any other contact from them, they moved to close the account with no activity. Around XXXX/XXXX/16, I called them to see the status of the account. I was told it was closed, but reassured by the Citi representative that if I opened a new account, I was still eligible for the bonus. I did so, and fulfilled the bonus requirements. I contacted Citi in late XXXX to see where the bonus was, and they said they could not give me the bonus because I had an account opened within 60 days of the latest XXXX ( the XXXX that was automatically closed ), directly contradicting what I had heard from their own customer service representative very specifically telling me I was still eligible for the bonus. We went back and forth and they absolutely refused to honor what their employee had told me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I made a purchase transaction on the Coinbase platform for the digital asset XXXX. I have used Coinbase in the past and my bank information had been previously validated. Coinbase informed me that transfer of the XXXX would be restricted until XX/XX/2024 which made sense as they required the funds to settle form the XXXX transaction with my verified bank account. As I waited for XX/XX/XXXX, I received an e-mail from Coinbase on XX/XX/2024 indicating Coinbase observed suspicious activity on my account and were freezing my assets until XX/XX/2024. Specifically, " Based on this monitoring, we are concerned you XXXX have sent, or are trying to send, crypto to a fraudulent person or platform. '' However, the only transaction or attempted transaction has been to purchase the XXXX assets ; no attempts to transfer off their platform. 

I contacted Coinbase who would offer no explanation why the assets were frozen other than it was " for my protection ''. They stated I could sell the assets and transfer to my registered bank, but no method for me to transfer the assets of their platform until XX/XX/2024. I asked for the process for escalation and review and they said there was none. 

I understand their desire to protect against fraud, but I assured them that this was not fraudulent activity. They did not offer any process or method other than to wait until XX/XX/2024 to transfer. I generally do not trust my digital assets on brokerages and store them on an offline hardware wallet that I maintain and control. I am appalled that a brokerage can freeze my assets, effectively holding them hostage, while offering no escalation or resolution other than " just wait until XX/XX/XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$33000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$12.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received a letter from Barclays on XX/XX/2017 thanking me for choosing Barclays Online Banking. The letter explained that I would enjoy all the great rates and services associated with my new account - Online Savings Account and a Online CD account were opened ; both amounts were {$8000.00} each with a total amount of {$16000.00}. I can provide documents of the letter sent showing my two accounts, account numbers, and the amount funded which included the CD maturity date. These transfers were taken from my private trust account where you can not put money back into the account, you can only disburse or withdraw. As soon as I received the letter I immediately called to verify both accounts as I was placed on hold. The gentleman from the security department was very rude and outrageously sarcastic. The gentleman reiterated to me a false blog information that I have never heard of, nor that I was involved in, or some sort of scam that has been going on, which stayed inter-office where my private trust account is currently located and active. I tried to state the fact that I have documents showing proof that I have been using my account, but everything was one sided. If I knew that this is how Barclay 's conducted business I would have never done business with them. Shortly after I called back and I finally had a chance to talk with a manager who was very rude, and also sarcastic, who even laughed out loud as I explained my account. Barclays in fact not in the customers best interest and not an ounce of due diligence was taken. If my account was not valid, I would have not received a letter congratulating me for doing business with them showing my Online Savings Account and Online CD Account. The authority of the account is mine, and where the funds were drawn from to fund both accounts do exists. Barclays did not notify me of insufficient funds nor did they claim that the account was n't valid.
Product: Checking or savings account

On XX/XX/2021 I received a call from KeyBank Fraud department. It was not a scam. Someone in OH fraudulently withdrew {$2500.00} from my checking account. Went to the branch immediately and filed fraud paperwork and affidavit. Opened a new a checking account and froze old account. I was told approximately 10 days for resolution. It is now 25 days and KeyBank keeps telling me they are still investigating. It's not like it's {$100.00} .... it's a lot of money. I have been in contact with the branch manager in XXXX CT who continues to say 'it is still under review '. On XX/XX/2021 I received a drivers license in the mail from OH. My name, my address, my DL # my DOB, but not my picture. BTW - I live in CT. KeyBank wasn't too interested in this information. I have bills to pay and I have asked for them to deposit {$2500.00} into my account to no avail.
Product: Mortgage

The loan servicing company, XXXX, sent documents saying that the amount due as of XX/XX/XXXX, I owed over {$180000.00} dollars and the loan was being transferred to another servicing company, Rushmore Loan Servicing. My initial purchase was for {$150000.00} in XX/XX/XXXX and I paid the mortgage timely until I needed help in XXXX, when I was unemployed and went to HUD for help. My amount due should not have went UP {$30000.00}, when I had been paying on the loan for nearly 6 years before my unemployment event. I believe I'm being taken advantage of and it has been laundered through XXXX and now Rushmore. I'm asking for an audit of how the amount due jumped {$30000.00} from my original loan amount, in spite of the fact that I was paying over {$1500.00} per month on a fixed rate mortgage for the first nearly 6 years.
Product: Credit reporting or other personal consumer reports

I have contacted this company previously in regards to fraudulent inquiries and accounts reporting to my report. Some items were removed but the inquiries were not removed. Remove all of fraudulent accounts from my report because it is damaging to me.
Product: Bank account or service

I was issued a {$12.00} fee for Returned Check fee for a check that my renter wrote TO ME. Since the bounced check was written to me, and since I did not cause this action, I do n't think that Chase should be penalizing me for the actions of others. They should charge the person who wrote the check and not add yet another fee to the person who expected to get funds.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts : XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXXXXXX XXXX opened on XX/XX/XXXX ; XXXXXXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX XXXX, opened on XX/XX/XXXX ; and XXXX XXXX, opened on XX/XX/XXXX. Additionally, there are unauthorized hard inquiries from XXXX XXXX XXXX XXXX XX/XX/XXXX, and Universal XXXX XXXX XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These accounts, collections, and inquiries appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.SXXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I would like to file a complaint against Plastiq. On the XXXX of XXXX we made a payment for {$310.00} through their service. On the XXXX the payment was rejected and we were told we would be refunded the money within 3-5 days. It has now been over a month. I have sent several emails to the company and no one is helping with this refund. I have no other option but to file a complaint as they are not doing anything to see this issue resolved. 

The reference for this payment was ref : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my addresses ftc violations that were filed accounts also : XXXX XXXX XXXX XXXX inquires not mine avantus niches fcu
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite Having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

This situation started in early XX/XX/2020 when I received a call from XXXX XXXX of Amerisave Mortgage, solictiting the refinancing of our second home in XXXX XXXX, New Mexico. We had been working with XXXX XXXX on the refinance, to take advantage of the lower rates that were being offered by the industry. We were in our 3rd or 4th month with XXXX XXXX, I asked XXXX how long it would take to close our loan with AmeriaSave and she said " 20 days '' I asked the rate and she said 2.375 % 30 year fixed ( this was later adjusted to 2.25 % in XXXX. The 20 days turned into over 240 days. I would go into their Portal to check on what might be needed, and seldom did it indicate any additional information was required. When they did indicate the need for more information, we supplied it promptly. They offered " Cash to Close '' which we accepted in order to payoff two commercial realestate loans that were a 4 % adjustable rate. The total of these two loans was approximately {$210000.00} and the Cash to Close was estimated to be about {$140000.00} and we had two savings accounts which we could draw on to make up the difference to pay both off. Starting in about the 3rd or 4th month, I was getting concerned about the delays in closing our loan, but learned that the mortgage industry was being flooded with refinances to take advantage of the lower rates being offered, so I tried to be patient. Every month AmeriaSave indicated they were close to closing. At some point along the way I asked them if there were issues with our loan with which they were uncomfortable and really did not want to make the loan, and they assured me that was not the case. I spoke with several individuals at AmeriaSave, trying to get some answers, unsuccessfully. I had a call from XXXX XXXX from their " Customer Care '' department ( XXXX ) who tried to intervene and move our closing along, unsuccessfully. The refinance with the Cash Out would have reduced our monthly costs by a little over {$2000.00} a month, so we were obviously eager to complete the closing. A few days ago I received a phone call from an individual that I had never talked to before, stating he was with AmeriaSave and regretted that he had to inform me that they were withdrawing their offer to refinance. At first I thought it was a scam call as I had had no communication from AmeriaSave indicating a problem ( still have not received anything in writing explaining the reason for withdrawing from our refinance ). I later learned that about 3-4 weeks ago, the Federal Government had changed the rules on second homes and that interest rates and gone up. I appreciate that rules can change, but had AmeriaSave acted in a timely manner, our loan would have closed and we would not have been caught in the regulatory change.
Product: Credit reporting or other personal consumer reports

So Ive taken a lot of steps to ensure that I pay all my bills on time. With the passing of a family member a few weeks back Ive been slowly recovering financially and didnt want to push myself behind. That being said Ive call the XXXX XXXX branch as I always do to make a payment and spoke to XXXX employees. I explained my situation in detail and was told twice! That if I made a partial payment of {$410.00} which I did and set up the balance {$400.00} to cover any additional fees on the dates given XX/XX/year> I would be good and wont have a late payment to my report. I confirmed XXXX  times that I did not want to have any XXXX day negative report on my credit and was ensure that it wouldnt. To my surprise I woke up to a XXXX day negative report after taking all necessary steps that were given by your employees. I did talk to the store manager and was told she didnt have the ability to correct the situation. I shouldnt be held liable for the incompetence of your employees. If there was not another way I would have made every effort to making the full payment. As I am in the process of looking for a new home you have completely slowed my process until this is corrected. I simply ask to look into and make any changes ASAP. I did pay and will continue to make my payments on time.