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

I've left messages for a manager to call back regarding an ongoing issue pertaining to missing funds from Discover closed accounts, no call back received to date, two messages left with XXXX and XXXX with Discover executive office, neither one returned. Follow up calls were made, both reps referred calls to XXXX whom I've spoken with prior, in which case there is no resolution, we talked in circles, thus the need to speak with a manager... The issue includes non-receipt of funds in the amount of {$140.00}, the total of combined accounts including checking account ending 1960. Funds were sent to XXXX XXXX as part of a fraud claim in amount of {$690.00}, this amount, {$140.00}, does not cover claim and according to reps with XXXX XXXX executive office including XXXX XXXX, payment was not cashed and rejected back to Discover. Please note, I attempted to explain this to XXXX, we talked in circles in re, he claims instructions from XXXX XXXX XXXX remaining funds in Discover accounts are to be sent to XXXX XXXX ... Further, he verified check was not cashed, in which case he stated check could be resent which I advised would also not cash, reiterated XXXX XXXX does not accept partial payments... Prior to this, full payment was supposedly sent to XXXX XXXX in amount of {$690.00}, letter from Discover is attached, XXXX XXXX has no record of this payment at all.. Should this complaint be marked as duplicate, it will be resubmitted, sent to other agencies
Product: Bank account or service

I have filed bankruptcy and I need for it to show in the XXXX
Product: Mortgage

Wells Fargo thinks that they can deceive me because I am older. I have been trying to repair my house using insurance proceeds that they have been holding. They have reluctantly released 38 % of the funds. They sent an inspector by wed XXXX XXXX. I have a very clear report stating the project is 75 % complete signed by their inspector and my contractor. Wells Fargo is now saying that they will only release 61 % of the funds. Remember, to date they have only released 38 % and we are at the very least 70 % complete. I am tired of floating money to keep the project going. We were on the phone for XXXX hour and XXXX minutes today. We have almost XXXX hours of phone calls recorded as well as over XXXX pages that have been faxed ( they do not have email yet. Do you believe that? ). We feel like we should be contacting our attorney to recover unnecessary time spent and aggravation this has caused. I also expect interest paid to me commensurate with the interest that Wells Fargo has charged me during this process. The insurance company and the contractor have performed flawlessly and Wells Fargo has committed fraud at every turn.
Product: Money transfer, virtual currency, or money service

I filed complaint ID # XXXX with the CFPB on XX/XX/year> against Citibank. I wired {$730000.00} on XX/XX/year> from XXXX to a XXXX brokerage account that did not credit to the account. The funds were apparently held at Citibank for insufficient account information although XXXX sent a XXXX message to verify the account numbers. 

Citibanks response to my complaint stated they wire transfered the funds back to XXXX and the transaction was completed on XX/XX/year>. 

I spoke with XXXX today XX/XX/year> and they informed me that they received confirmation from Citibank on XX/XX/year> that the were in possession of the funds however the sender ( Citibank ) delayed the transaction by holding on to the funds and therefore XXXX did not actually receive the money occur until mid afternoon XX/XX/year>. 

The previous information provided by Citibank in their response statement to my original complaint, appears to not be truthful or accurate. 

If banks have a right to do this, then its nothing more that legal theft.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$8300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$7100.00} XXXX - XXXX - XX/XX/XXXX - {$2800.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I completed an XXXX XXXX XXXX  application for the XXXX XXXX XXXX XXXX XXXX through Barclays Bank Delaware. The application that I signed indicated in writing that the {$100.00} annual fee would be waived for the first year. 

After I was approved for the credit card and was checking my balance, I noticed that my account had been charged a {$99.00} annual fee on XX/XX/2020. 

I have called the credit card company twice and they refuse to honor the agreement to waive the annual fee for the first year, because I don't have a copy of the credit card application.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX {$330.00} XXXX XXXX  XXXX {$1700.00} XXXX  XXXX {$19000.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX {$340.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3400.00}
Product: Mortgage

my client applied for a loan modification with Nationstar mortgage. his loan is serviced by Nationstar and owned by XXXX. The process started in XXXX and the home owner was required to submit financials XXXX times, change the XXXX XXXX times, and provide tax returns and explanations more than XXXX times. twice he was called by Nationstar and told they will be offering him a loan mod and to stop paying the mortgage. This morning I went on to the Nationstar website to see if they had amiled him the modification agreement and noticed the modification was declined. I called and spokt to a representative in loss mitigation. I called on a recorded line and the loss mit representatives name is XXXX XXXX. The time of the call was XXXX eastern time. He stated that Nationstars policy is not to allow a modification until the home owner is at least 90 days late on the mortgage. When I explained the home owner would be in danger of foreclosure he said to tell them not to spend the money but to hold it so the loan can be reinstated if a foreclosure date was scheduled. When I explained they would incur additional costs for late fees and attorney fees he said there was no way to avoid it. The homeowner qualifies for the XXXX modification and there is no reason that he was denied. they claimed he did n't have a hardship. This homeowner was 60 days late in XXXX and sold an automobile to get current so he could show them he would act in good faith, and by declining him the modification they are putting him in jeopardy of falling behind again and potentially losing his home.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

on XXXX I made a company check deposit to my small business account in the amount of XXXX  When I made the deposit I was not told there was a hold on my deposit, especially since the check is from a regular customer I make receive and make deposits for in my account. Since I was not told there was going to be a hold on the check and the funds would be available the next day. I made checks to my employees and made my other monthly payments. On Monday I my check was placed on hold for XXXX weeks. 
my payroll checks were returned and I am unable to pay my employees and caused me to be overdrawn by a large amount. 
I called several times and no one helped me at all. Even though the bank is still charging me over draft fees. I am unable to pay my employees or continue my business because they will not release my funds for XXXX weeks. I requested for them to verify funds with XXXX XXXX  and bank of America refused. 
I asked for some of the funds be released to at least cover my payroll and they refused. I was not given notification when the deposit was made that there would be a XXXX week hold on my check. 
Bank of America always places a hold on my deposits for XXXX weeks and at times has told me that it is because my account has been overdrawn but the reason my account is overdrawn is because the constantly placing a hold on my deposits. 
I have called bank of America several timeXXXX to request help I have walked in to my branch and requested help and they just tell me to call the 800 number and then when I do they tell me to walk in to the branch and ask the XXXX to help me out. 
I ask to speak to the department that verifies the checks and they tell me the they are the people who verify but they can not help me. 
I have begged and cried to please help me because my account is so overdrawn and my employees need their payment also. 
I let them know that my rent is due and they did not help me at all. 
I don't understand. They claimed to help small business and especially female owned small business and I feel like they purposely are setting me up to fail. I can not continue my business if I can not pay me employees Bank of America is unfair to small businesses and is causing them to fail because we do not have the thousands of dollars like the big business. 
They do not help out at or give you any options to help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts listed on my Transunion credit report, as I believe they are unverifiable and inaccurate : XXXX. XXXX XXXX XXXX Account in the amount of {$870.00} Account in the amount of {$920.00} XXXX. Paradigm Assets Recovery Account the amount of {$14000.00} Transunion has previously responded to my dispute by stating that the XXXX XXXX XXXX accounts were verified. However, I have never received any documentation or proof of these debts from XXXX XXXX XXXX. Additionally, I have never had a contract or signed agreement with XXXX XXXX XXXX, a collection agency acting on behalf of XXXX. XXXX also has no record of any application bearing my signature. Similarly, regarding the XXXXXXXX XXXX XXXXXXXX account, I have not received any proof or validation of this debt. I have no recollection of any agreement or contract with XXXXXXXX XXXX XXXXXXXX, and there is no documentation provided to substantiate this claim. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a full and documented verification of any account reported on my credit file. Without such proof, Transunion has no grounds to claim these accounts are verified. Furthermore, under the doctrine of estoppel by silence, as supported in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, it is assumed that failure to provide proof when required indicates that no such proof exists. Therefore, if XXXX XXXX XXXX and XXXX XXXX  XXXX can not produce documentation proving these debts, it should be presumed that no such debts exist. I formally request that Transunion : XXXX. Provide me with documented proof from XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX verify the legitimacy of these accounts, including any contracts bearing my signature. XXXX. Delete these accounts from my credit report if no documentation can be provided. I appreciate your prompt attention to this matter and expect a thorough investigation, as required under the FCRA. Please respond with confirmation of your investigation and any resulting changes to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - I contacted Gemini Credit Card in regards to my open account. They responded stating that my account was actually closed. However, they never removed themselves off of my credit report. 

XX/XX/2023 - I emailed Gemini Credit Card and asked them to remove themselves off of my credit report immediately since my account was closed. I never heard back. I have contacted them several times since then, and still no response. 

XX/XX/2023 - I dispute the account with the credit bureaus stating " Account Closed '', and during the investigation Gemini responds to XXXX stating that the account is actually active and they reject my dispute to remove the closed account. I contact Gemini Credit Card once again, and AGAIN they state my account is closed. I am vexed at their incompetence and need this matter resolved immediately. Either activate my credit card, or remove yourself from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, Bank of America stopped my credit card. I noticed it when I tried to use the card for the XXXX XXXX  in XXXX, which was {$2.00} one ticket. I contacted BoA on XX/XX/XXXX with one of their customer representative, and was told that my credit card has been stopped so that I will not be able to use the credit card anymore. At the same time, the checking and savings accounts of mine with BOA will be closed in two weeks too, which will be done the process of deleting those bank accounts on XX/XX/XXXX. I asked the reason why they decided to delete all my accounts, and they refused to answer and said they made the decision based on their policies. I wont be told the reason based on their bank policies either.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX AUTO LOAN ACCOUNT HAS BEEN SHOWING 4 30DAYS LATE PAYMENTS ON IT, I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND THE BANKS CREDIT COUNSELER SAID SHE COULD NOT ASSIST ME WITH GETTING THE LATE PAYMENTS REMOVED EVEN WHEN I WAS NEVER LATE. RIGHT NOW THE ACCOUNT IS SHOWING TO BE PAST DUE WHEN IT HAS CLEARLY BEEN PAID AS AGREED AND CURRENT. I DO PLAN ON TAKING LEGAL ACTION AGAINST THIS COMPANY FOR REPORTING THIS INACCURATE INFORMATION. I HAVE SPOKEN TO SEVERAL INDIVIDUALS IN THE BRANCH AND EVERYONE HAS NO CLUE ON HOW TO HELP ME, BUT THEY CONTINUE TO ACCEPT MY ON TIME PAYMENTS
Product: Money transfer, virtual currency, or money service

This began this past year in XX/XX/2024. I disputed a charge on my PayPal credit card. It was not ruled in my favor. Instead of charging my card once again for the amount of around {$38.00}, they moved the charges onto my PayPal balance. I do not believe this to be a fair resolution and perhaps contrary to the law. As a consequence of being unable to pay for the amounts and PayPal unwilling to waive them for me, I have lost total access to all of PayPal 's services.
Product: Debt collection

I had a {$300.00} bill with XXXX XXXX on XXXX which I paid ( receipt attached ). Medical Data Systems has put a collection on all 3 of my credit reports. I've sent Medical Date Systems and all 3 credit bureaus a copy of my paid receipt and they would not delete the collection from my credit reports.
Product: Debt collection

This will be the second time that this has happened to me. Some one purchased a phone through XXXX XXXX XXXX ( not my cellphone provider ) by using my SSN. They let the monthly payments lapse which was then sent to a debt collector. The debt collector thinking it was me then put a mark on my credit report as a delinquet payment. The amount is the same as the first time {$1300.00}. This has been going on at XXXX XXXX XXXX for over a decade now and still no uptick in their security. The debt collector company is I.C. Systems. Inc
Product: Money transfer, virtual currency, or money service

I have a Bitcoin account with Coinbase. Within that account, I have a " Coinbase Vault '' with XXXX BTC in it, worth {$86000.00} at the time I am writing this CFBP complaint. 

I initiated a transfer on XX/XX/XXXX from the " Vault '' to one of my Bitcoin wallets, " Spending Wallet. '' That transfer is requesting a verification from a second e-mail that I no longer have access to, a previous work e-mail address. It has been locked for the last two weeks. 

I have attempted to contact Coinbase to resolve the locked funds in multiple ways : - On XX/XX/XXXX I submitted Coinbase Helpdesk ticket XXXX. See attached PDF. I have replied multiple times but I have received no response. 
- On XX/XX/XXXX I sent an e-mail to XXXX. See attached PDF. I have received no response. 
- On XX/XX/XXXX, I spoke with a Coinbase Representative through their ( XXXX ) XXXX number that stated he 'd have an expert assist me and that I would receive an e-mail shortly, but that never occured. 
- On XX/XX/XXXX through the XX/XX/XXXX I sent multiple XXXX " Private Messages '' to official Coinbase XXXX users. See attached PDF.
Product: Checking or savings account

I have been waiting XXXX days for my paycheck that is a direct deposit to hit my checking account. It is now Friday the actual day I'm supposed to get my paycheck and nothing. I have a copy of my paycheck along with confirmation that my employer has made the deposit but it is not showing in my account balance. Capitalone Bank is not providing any information other than technical issues. This is my paycheck and my husband 's paycheck. This is our pay, that we work for. I need this money and Capitalone should not be holding it without any information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting

I was able to go online and get XXXX of my XXXX credit reports ... with the exception of my Equifax Report ... there has always been problem with them. Either I ca n't get the report or their dispute process links are broken.
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees and charges that I incurred. Despite having sufficient funds when the transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initial available funds. I believe these practices are unfair. I request an investigation on all my accounts and demand a refund.
Product: Credit reporting or other personal consumer reports

NO PROOF OF INVESTIGATION ON XX/XX/2024 TRANSUNION RESPONSE WAS VERIFIED FOR ACCOUNTS : XXXX XXXX XXXXXXXX ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES. 

ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15usc 6801 Protection of Non- Public Information.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.

2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.

3. The financial institution giving me an explanation how to exercise the non-disclosure options.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT.

AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT.

THE ACDV AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION.

THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE.

HOW WAS THE INVESTIGATION CONDUCTED?

PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

MERRICK BANK, FETTIFHT/WEB Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports