23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, Back in XXXX while i was an international student, i lived at an apartment complex. when the covid-19 pandemic started, my parents faced financial issues and i had trouble paying my rent in XXXX and XXXX of XXXX. While contacting the leasing office in XXXX, i informed them that i am unable to finish my lease and i will have to go back to my home country because of covid-19. they have deposited my security deposit that covered the 1 month i was unable to pay and for the determination of the lease. I have informed them of my forwarding address in an email. In XX/XX/XXXX, over 2 years later while applying for credit, i have learned that i have a collection debt. in the past 2 years the company has never tried to contact me at my phone number, email address or forwarding address to resolve this issue or to be able to dispute it. The leasing office had all of my communication information available where they could have reached me to resolve this. I had to learn about this collection debt through my credit report! 
I have tried to contact them to provide proof for the debt in question with no luck. Please help me. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the creditors and Spoke with a agent and explained to her the law 15 U.S.C. 1666b ( Timing Of Payments ) and explained to her that I have not been getting my statements in the mail she waived my fees on my XXXX XXXX XXXX  and XXXX XXXX, XXXX XXXX XXXX  She waived the late payment fees but they did not remove the late payments from credit reports and it's hurting my credit tremendously! I have called the XXXX bank and disputed the late payments with XXXX, XXXX, Experian with the result of the late payments still showing on my credit report. Attached are my statements showing the waived fees and a copy of the FCRA Law 15 UC Code 1666 b.
Product: Checking or savings account

Surprise charge of {$13.00} per month for maintenance fee on XX/XX/2023 and XX/XX/2023. I realized it today, XX/XX/2023. I was never given a warning that my account would be charged the fee. Nothing on website describes what it is for. I have been banking with this institution for over 10 years. I called and the representative said that this was because my balance was under {$1000.00} and this threshold was information that I apparently was given when I opened my account over 10 years ago.
Product: Checking or savings account

On XX/XX/2023, my CITIZENS account was accessed by a bank teller without my authorization. The bank gave my bank account information to someone who is not authorized on my account, without the debit card for the account in question. The bank never contacted me regarding this error.
Product: Payday loan, title loan, or personal loan

A email to me from XXXX XXXX threatened me about going to court and arresting me about a loan he was asked to show me proof of my signature on loan documents and then i will decide onhow to handle this matter. Docket # XXXX XXXX. CASE # XXXX XXXX
Product: Checking or savings account

I opened my account on XX/XX/2018 online. On XX/XX/XXXX my car was stolen from the sprint store parking lot in XXXX, CA. Contacted chase to check and report all fraud charges and I was refunded only for two and told i only reported two charges when i called back in XXXX to check the status because they told me it could take up to 90 days. I recieved a denial letter and was told they were from a branch that I frequent and that my signature matches my signature card on file. I informed them i never signed a card because i opened my account online and they copied my signature from my CA ID also, theres only one branch in XXXX so yeah I have to go there. I asked to speak to a supervisor who looked over my claim information and compared my signature to the fraud withdrawn slips and told me that they are similar but not the same and that she would escalate my claim and to send in my police report and call back in 5days. Claim was still not approved and was given more runaround about non existant signature cards and branches i go to in XXXX but there is only one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was transferred on XX/XX/XXXX to XXXX in the amount of {$8000.00}. On XX/XX/XXXX I paid XXXX {$4000.00} and the remaining balance of {$4000.00} on XXXX. To date the {$8000.00} is still reflected on my credit report as being owed to XXXX. 

I spoke to XXXX XXXX several times with the latest being on XX/XX/XXXX and was advised that once XXXX reports that the balance will fall off my report. However, I last spoke to XXXX on XX/XX/XXXX and was advised that them reporting would have no impact on the XXXX  XXXX balance. As of XXXX when I last spoke to XXXX they state that they have reported to all credit agencies. The report is not reflected on my Equifax report. The XXXX solution department advised that there was nothing they can do to further assist me. 

I have also disputed this balance 4 times and everytime the credit agency sends back that the balance is correct. The Equifax stated that there is nothing they can do even though I have provided all the proof. XXXX states there is nothing they can do because they have reported the zero balance. I am stuck between these 2 companies and need help resolving.
Product: Mortgage

Below I have copied an email that I sent ( on XX/XX/XXXX ) to XXXX XXXX with Bank of America. I received a response the same day saying that they would look at this matter. And, the gentleman said he has had cases like this that they were able to refinance. The following day however he contacted me and said he took it to their board and they can not refinance. ++++ Dear XXXX XXXX, I spoke to a gentleman in the mortgage department in regards to refinancing my property which I bought in XXXX. He informed me that the policy has been changed and Bank of America will no longer work with condo hotels. 

I understand that there are policy changes and that you will no longer accept applications for condo hotels, however Bank of America has had my mortgage for 12 years. Whatever the policy change the fact is that you already have my mortgage and I have been a customer of yours for that time. 

You can not change the policy and negate working with you current customers. Everybody else is taking advantage of low rates but not if they are with Bank of America because they changed the policy?? 

My property is in XXXX XXXX. It is now doing {$130000.00} in annual rental income and has over {$600000.00} in equity. When I originally requested financing with Bank of America it did not occur to me that Bank of America would change the policy about condo hotel mortgage re-financing. 

Again, let me state you already have my mortgage and no funds are to be issued. All I ask is to refinance the note for a longer term. 

I appreciate your time and effort to help with this matter.
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, TransUnion the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - open on XX/XX/XXXXXXXX  under the account number XXXX, XXXX Automated - open on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX - open on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XXXX  - XXXX on XXXX XXXX, XXXX under the account number - XXXX, XXXX XXXX  - Open on XX/XX/XXXX, under the account number XXXX, XXXX XXXX XXXX - Open on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX - Open on XX/XX/XXXX under the account number XXXX, XXXX XXXXXXXX XXXX XXXX Open on XX/XX/XXXX under the account number XXXX, XXXXXXXX XXXX XXXX XXXX open on XX/XX/XXXX under the account number XXXXXXXX XXXXXXXX XXXX XXXX  open on XX/XX/XXXX under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraudulent accounts that were made with my full name, social security number, date of birth emails, phone numbers, addresses. My information has been found in multiple data breaches. I am a victim of Identity theft and This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). The items listed above occurred due to my identity been stolen and by law the accounts need to be removed within 4 days.

TransUnion is In violation of the FCRA because the FTC was not contacted on behalf of my identity being stolen, therefore these items need to be deleted immediately and within 4 receiving this complaint.
Product: Money transfer, virtual currency, or money service

Well XXXX XXXX  my whole tax refund of XXXX was deposited from XXXX XXXXXXXX XXXX XXXX XXXX into A fraudulent PNC bank account. I never had a account at this bank so XXXX XXXX I called the irs and they gave me the account information and was informed to reach out to PNC bank because they have my funds. I then went into a pnc branch with all my personal information and opened a fraud case then made a police report about the event. I am requesting my deposit be sent back to XXXX XXXX XXXXXXXX XXXX XXXX XXXX so they can mail my return via cashiers check but pnc is not giving me any information due to me not having a bank account with them but they have my tax refund which is in my name. Please help
Product: Credit reporting or other personal consumer reports

When I check my credit report from Experian, I found the company wrongly added someone else account into my account, I never opened that account from the XXXX  XXXX XXXX, I also called company to confirm it. Experian also wrongly record my address, birth year, and wrongly put another name under my account. 

I called the company about this problem in XXXX, and also submitted the dispute request online. But the status has not been updated yet, I failed to connect with the company, can't get on the call with the customer service. 

I am really struggling the company 's progress on this since credit report is such an important thing. Now it really deadly impact my application on the other stuff. I would like this to be solver ASAP.
Product: Bank account or service

JPMORGANCHASE OPENED SEVERAL ACCOUNTS TO XXXX XXXX UNDER MY NAME USING MY SS # AND STOLEN/FORGED DL # AND I HAVE DISPUTED THIS FOR WELL OVER 6 MONTHS TO VARIOUS DEPARTMENTS IN THEIR COMPANY. PLEASE SEE INDENTITY THEFT VICTIMS COMPLAINT & AFFIDAVIT / POLICE REPORT / LETTERS FROM CHEX SYSTEMS / XXXX / AND XXXX XXXX XXXX. ACCOUNTS WERE OPENED USING A FRAUD PHONE NUMBER XXXX - FURTHER INVESTIGATION UNCOVERED ACCOUNTS WITH JPMORGANCHASE WERE OPENED ONLINE USING XXXX ADDRESS : XXXX. THIS IS AND NEVER WAS MY XXXX ADDRESS ON ANY COMPUTERS. CONTACT EXECUTIVE OFFICES @ XXXX EXT XXXX ADDRESS : XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was put into hardship forbearance and at end of forbearance period I was advised that negative reporting would be reported if I entered into modification so I paid the entire amount in full this was XXXX or XX/XX/XXXX and have made current payments since this date, XX/XX/XXXX I was reported to the credit bureau as being 120+ days late and in modification plan which is not accurate. 

I have reached out to SLS servicing multiple times over the last 2XXXX days since this derogatory reporting was reported and talked to at least 10 different representatives and requested to speak with management since my job is in jeopardy since I work in finance industry and this issue has not yet been resolved. 

I need immediate correction to my credit report showing file is current with all payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Checking or savings account

This is an issue with missing funds while transferring funds from American Express High Yield Savings account to American Express rewards checking account. XXXX XXXX XXXX XXXX XXXX I transferred {$9800.00} from amex HYSA to amex rewards checking. The mobile app said that the funds would arrive instantly. 2. Funds were debited but not credited to checking account. 3. On contacting checking account customer service on XX/XX/XXXX, I was told that they do not have an incoming transfer and I should contact the savings account customer service. 4. I called Amex HYSA customer service on XX/XX/XXXX and was told that the transfer has been sent and it is unusual for the funds to not be credited. They gave me a transaction trace number and asked me to call again during business hours next day. 5. On XX/XX/XXXX, I called American Express checking and they again said there was no problem on checking side and transferred me to Savings customer service. After getting bounced around, eventually the checking back office and savings back office had a phone conference and the customer service agent updated me that the credit was processed as a debit on the checking account side and that is why it was not credited. They said that this was a fault on their end and they need to figure out what they can do and that someone will call me back with an update by close of business on XX/XX/XXXX. XXXX. I got a call on XX/XX/XXXX from someone from the back office ( unsure whether they were from checking or savings ) and they said that the funds were routed back to the savings account and I will receive them latest by XXXXXXXX end of business day. 7. I did not receive my funds back by XXXX end of business. I called customer service and they said they need to escalate it to the back office and it can only be looked into on the next business day on XXXX XXXXXX/XX/XXXX when the back office is open. It has been 4+ days and my funds are still missing when they claim that the transfer will arrive instantly. Their two banking wings don't talk to each other and keep bouncing me back and forth - I can't believe what I have to go through for a simple bank transfer. All this while I do not have access to my funds and nobody is reimbursing me for the lost interest. At this point, I don't even know when I will see my funds again. This bank should not be allowed to sell these products that don't even have basic reliability of processing fund transfer correctly. How can it be called a bank account?
Product: Credit reporting or other personal consumer reports

I have filed XXXX disputes regarding incorrect information that XXXX XXXX  is reporting to the XXXX credit reporting agencies : XXXX, XXXX XXXX, and Equifax. XXXX XXXX  responded to both disputes by stating that the information they provided to the CRAs was accurate. In both disputes, I provided documents that show my correct payment history, yet XXXX XXXX  will not correct their inaccurate reporting to the XXXX. 

XXXX XXXX  reports to the XXXX agencies that in XX/XX/year>, my payment was XXXX  days late ; in XX/XX/year>, my payment was XXXX  days late ; and in XXXX, XXXX, and XX/XX/year>, all XXXX  payments were XXXX  days late. 

In the months mentioned above, in XXXX, I was enrolled in a debt management plan with XXXX XXXX XXXX to pay off my XXXX XXXX  debt. In my prior disputes, I provided XXXX XXXX  with XXXX and XXXX XXXX XXXX statements showing the dates that XXXX debited my XXXX account and the dates that XXXX XXXX XXXX submitted electronic payments to XXXX XXXX  per my debt resolution agreement. In this CFPB complaint, I am also providing XXXX XXXX  statements as further evidence that they received these payments. 

On XX/XX/year>, XXXX XXXX deducted {$220.00} from my XXXX bank account, and on XX/XX/year>, XXXX paid XXXX XXXX. The XXXX XXXX  statement shows they received the payment from XXXX XXXX on XX/XX/year>. There were no late payments in XX/XX/year>. 

For XXXX and XX/XX/year>, I could not make my monthly payments due to circumstances beyond my control related to the COVID-19 pandemic. I informed both XXXX XXXX XXXX and XXXX XXXX  of my circumstances and was granted a XXXX grace period by XXXX XXXX . 

I resumed my payments in XX/XX/year>. On XX/XX/year>, XXXX XXXX deducted {$220.00} from my XXXX bank account, and on XX/XX/year>, XXXX paid XXXX XXXX. The XXXX XXXX  statement shows that they posted my XXXX payment to my account on XX/XX/year>. 

On XX/XX/year>, XXXX XXXX deducted {$220.00} from my XXXX bank account, and on XX/XX/year>, XXXX paid XXXX XXXX. The XXXX XXXX  statement shows that they posted my XXXX payment to my account on XX/XX/year>. 

There was no late payment for XX/XX/year>. There were only XXXX months that I could not make payments : XXXX and XX/XX/year>. There were no late payments for XXXX and XX/XX/year>. XXXX XXXX  should be reporting that my XXXX payment was XXXX  days late and my XXXX payment was XXXX days late.
Product: Money transfer, virtual currency, or money service

Please be advised, Coinbase Inc., owes me, XXXX XXXX a sum of {$1200.00} refund of the services I contracted you to provide to me. 

When I signed up online for Coinbase Inc. crypto buying/selling on XX/XX/XXXX, XXXX XXXX, in XXXX OR I only logged in that one time. I funded the account with {$1200.00} cash from my bank. 

The next morning, I was NOT able to log in again to gain access to my money. 

The support screen stated I needed a required Passkey in order to login. I also had to have access to the passkey to edit the Passkey. I never set up a passkey. I don't know how it got there. 

They have no telephone support, online chat for support, no articles on any possible way recover my account unless I can login. In other, words my cash money is being held hostage.

Coinbase required me to go through the process of lengthy ID verification ( drivers license and eventually U.S. passport ), video, speaking in video ). I was successfully verified twice by Coinbase, which they require as part of the online 's articles, to recover my account. There was no way to access the passkey that was on the account. I recovered nothing. The Passkey was a solid brick wall.

At the completion of my both of my identity verifications, I was asked to login, where I entered my username and password, but then the program demands the Passkey to actually login. 

Coinbase sent an email about the verification Youre verified!

Once you log back in successfully to your account, you will have 24 hours access to update your 2-step verification method. Please update your information to prevent getting locked out again. Thanks for your help verifying your identity. Now you're all set to access your account.

THERE WAS NO WAY TO UPDATE THE PASSKEY WITHOUT KNOWING THE PASSKEY. UPDATING IMPLIES THE PASSKEY IS ALREADY KNOWN. AFTER VERIFICATION IT SHOULD HAVE BEEN CLEARED. 

I could not provide a passkey. I never set one up. But Coinbase is adamant about the passkey being required to login. There is no way around it. I spent 20 hours researching and trying all of their suggestions.

I do not understand how the Passkey got there Thus, my cash is being held hostage. The cash is being held in U.S. Dollars.

Which they confirmed in their email to me on XX/XX/XXXX. 

Coinbase has removed a temporary withdrawal hold on your account, increasing your available balance by {$1200.00} USD. 

I should still be able to login to my account and access all of its features. At this point I want all of my money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX XXXX and XXXX  ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases.

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX  and XXXX  reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX  credit reports, the account needs to be deleted from the XXXX  credit report. 

The information for this account listed on my credit report is : CREDITOR : CAPITAL ONE BANK USA N, ACCOUNT XXXX, OPENED XX/XX/2014, BALANCE OF {$510.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ), specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. And I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX sold my information to a collection agency. This inaccurate information. I requested for debt validation but has yet to receive any response from either company.