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

A check in the amount of {$17000.00} was deposited on XX/XX/2023. The check is drawn from XXXXXXXX XXXX XXXX. The deposit receipt indicated that {$16000.00} will be available on XX/XX/2023. 

However, on Monday, XX/XX/2023, I received an email from Wells Fargo indicating that the account in which the above mentioned check was deposited has gone into overdraft. 

Wells Fargo never informed me of the deposit being withheld until I called to find out why my account went into overdraft. 

I called Wells Fargo and was told that the deposit is on hold until XX/XX/2023. The reason I was given is that the payee 's bank is withholding payment due to suspicious activity on the payee 's account. 

I contacted the payee ( my customer ) to let her know of what Wells Fargo said and that she should contact her bank XXXX XXXX XXXX XXXX ) to check on the supposed " suspicious activity ''. The payee ; my customer, did call her bank and was informed that no such suspicious activities was detected and furthermore informed her that the check in question has been paid and cleared their system. 

I must point out that I've been doing business with the payee for over 10 years and the checks have always been from the same XXXX XXXX XXXXXXXX account. Furthermore, I deposit XXXX to XXXX checks per year from the same payee and from the same XXXX XXXX  XXXX account. 

Wells Fargo has been given the funds by XXXX XXXX XXXXXXXX but chooses to withhold it for no good reason. 

The suspicious activities are those of Wells Fargo and not the payee 's account or bank. 

I'd appreciate your serious attention to this matter as I'm certain I'm not the only Wells Fargo customer who has been subjected to this kind of Suspicious Activities by a financial institution known for its unethical behavior. 

Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My complaint is with Coinbase. They locked me out of my account and are requiring information that I don't have, since this wasn't an original requirement to open the account. Such as a two-step factor using an authenticator app. After I finally got the authenticator to receive a code which I placed in Coinbase. It still doesn't work. Also you have to be logged in to receive a call back, since they don't have a phone number that customers can call, How can this be in XXXX? After months of trying everything, I finally open another account to request a call back. I've held on several times for up to 10 hours and no one answers the phone. The two times I got someone on the phone, they were unable to get my account unlocked, which I have sXXXX XXXX XXXX  in it. When I XXXX this problem, there are thousands of people going through this with no answer. 
1 ) This company needs to be fined millions of dollars for this.

2 ) They need an open phone number with live customer service representatives actually answering the phone within the XXXX XXXX XXXX XXXX  who can get people accounts unlocked. 
3 ) This is a sneaky way of embezzling customers money, and they need to be fined for this. 

The methods they have you use just continue to loop you around in a circle and doesn't work. I need my account restored ASAP. 

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

On XX/XX/XXXX, a Deficiency Notice request regarding account # XXXX was sent to Bridgecrest Acceptance Corporation pursuant to the laws of the State of Arizona UCC Article 9 State RISA and MVISA statutes. As the attached correspondence confirms, the vehicle was sold in XX/XX/XXXX ; however, I NEVER received any form of notification as required by law. Since Bridgecrest failed to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle within 14 days upon receipt of the request, I disputed the account with the credit bureaus in XX/XX/XXXX and asked for it to be deleted. My request to have the account deleted was not granted despite the law being violated. 

Because the time allotted by the statute to produce proof of the alleged deficiency has expired, rights to a deficiency is waived under UCC Article 9-616. I once again request to have account # XXXX deleted immediately from all credit reports for XXXX XXXX and XXXX XXXX for the reasons stated. I also ask for all derogatory remarks to be removed from ALL credit reports.
Product: Debt collection

Since XX/XX/XXXX to present I have received multiple phone calls from Capital One. They call everyday and leave a generic voicemail. I havent had a capital One card since XX/XX/XXXX which I thought was settled and removed from my report. I have already explained this when I received a letter in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call transunion try to resolve an issue with my credit report and credit inquiry 's that I do not knowledge. The customer service was horrible I was getting cut off all the time when I wanted to ask or talk to the representive I after verifying my identity he instantly responded that he ca n't remove any inquiry 's or the collection on my report that I have not authorized. In addition the customer service did not want to help remove the inquiry 's and collection account
Product: Student loan

My loan amount increased and interest rate increased after being sold to Navient. Unfortunately, I am not able to make full payments on my loan but when I call for options on what I can do, I seem to get different answers. I was told that I could only do forbearance, which accrues interest. Then after talking to friends/family, I was told about the income based payment option which I was told was over {$500.00}. That was definitely not affordable. I was told then I can stay on forbearance, which I still am. They were not willing to negotiate affordable payment options. Two options basically given was an amount I can not afford to pay or go into forbearance and incur interests. I do not have an option. There should be more that Navient is willing to do to help students.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of my report. In accordance with the fair reporting act this creditor has violated my rights, under USC1681 sec 602 ; states I have the right to privacy. 15USC1681 sec 604A sec 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer creditor as late for any purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX {$420.00} XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$610.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$110.00} XXXX individual charges for the same thing XX/XX/XXXX {$510.00}, {$200.00}, {$190.00}, {$190.00}, {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed to update my credit report because I found several items that are not accurate My name is XXXX XXXX XXXX please remove any other variations of my name. My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report. My current and only address is XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have included my ID XXXX SS info for proof of address.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding persistent hard inquiries on my credit report. It is disconcerting that these inquiries were conducted without obtaining my explicit consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Submitted credit application with XXXX having forgotten about freeze on all three credit bureaus - Temporarily lifted freeze on XXXX and XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - Forgot password on Equifax on single try - called Equifax to temporarly lift freeze XX/XX/XXXX - XX/XX/XXXX - Confirmation number of this temporary freeze lift was XXXX - XXXX pulls Equifax credit report and issues loan pre-approval - First indication that American XXXX XXXX XXXX ( XXXX ) could not receive Equifax credit report XX/XX/XXXX - No activity XX/XX/XXXX - No activity XX/XX/XXXX - No activity XX/XX/XXXX - Received call from XXXX XXXX XXXX XXXX that Equifax credit report could not be obtained by XXXX. 
- Called Equifax to confirm temporary lift of freeze, initial agent identified freeze was lifted and mentioned a birthday issue she could not discuss - forwarded to fraud prevention who could not see initial temporary freeze lift XX/XX/XXXX - XX/XX/XXXX, conducted second temporary freeze lift online through myEquifax for XX/XX/XXXX - XX/XX/XXXX, agent was able to see the freeze and stated it would take an hour before it was able to be seen by creditors ; conducted credit report using my Equifax which came up completely blank, informed agent who was goint to put me in touch with Equifax XXXX prior to hanging up on me. 
- Called Equifax to continue with temporary lift of freeze, confirmed with agent that freeze was lifted, and received first notification of requirement to submit documentation of drivers license and social security card ; documentation and cover letter was sent via fax by XXXX EST. 

XX/XX/XXXX - Received call from XXXX XXXX XXXX XXXX that Equifax credit report could not be obtained by XXXX. 
- Called Equifax to discuss temporary lift of freeze and receipt of documentation ; agent confirmed problem with birthdate ; requested to speak with a supervisor and agent hung up on me after putting me on hold. 
- Called Equifax to discuss documentation and need for credit report for XXXX ; agent identified they would take XXXX - XXXX business days to process paperwork ; I questioned where this birth date issue was coming from and was told about fraudulent activity for the first time ; I asked why there was no contact by mail, phone, e-mail, text, etc with this issue until I am in the middle of a finance transaction from XX/XX/XXXX with no answer, asked to speak with a supervisor and was told it would not make a difference ; explained that I would discuss a complaint with the XXXX XXXX XXXX XXXX ( CFPB ) ; I was on hold over XXXX hours for a supervisor. 
- Called Equifax to speak with a supervisor and told twice there is no supervisor available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote formal letters to Experian that they are reporting incorrect address on my credit report and still no changes seen.
Product: Credit card or prepaid card

I applied and was approved for a Costco Citibank Visa card on XX/XX/XXXX. By XX/XX/XXXX I had not received the card and called Citibank. They told me the card had been delivered by USPS on XX/XX/XXXX which I didn't receive -- and they could provide no proof of delivery -- so they promised to send a new card by XXXX  arriving by XX/XX/XXXX. When that card didn't arrive I called Citibank customer service back who admitted a card was never XXXX 'd but would be sent by USPS arriving by XX/XX/XXXX. They claim due to an internal policy they are unable to XXXX  a card. Over one month and the account is not functional as the card was never received. Meanwhile Citibank has exploited my personal financial information, including my credit reporting, for a card that was never functional. Customer service offers no remedy or solution other than to refer to the terms and conditions.
Product: Credit reporting or other personal consumer reports

this debt collection agency furnished my nonpublic personal information to the consumer reporting agencies without permissible purpose : written instructions of whom the consumer relates and without my prior consent to reach out to me in regards to a debt.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The acts of furnishing my nonpublic personal information without permissible purpose is an invasion of my privacy, damage to my character, my reputation and my livelihood This debt collection agency has no regard to consumer privacy and is in violation of multiple laws 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I demand this account be deleted without reinsertion CEASE AND DESIST
Product: Credit card

Signed up for promotion between American Express/XXXX and XXXX via XXXX and American Express XXXX XXXX. Followed signup requirements, but American Express/XXXX did n't credit account after numerous contacts with the company. Via websites, this promotion had numerous issues that American Express/XXXX is loathe to fix.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/2022. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, 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 - XX/XX/XXXX - {$87.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX account XXXX XXXXXXXX, XXXX Account XXXX XXXXXXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX account XXXX XXXXXXXX, XXXX Account XXXX XXXXXXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX Address : XXXX XXXX XXXX XXXX OR XXXX Account number : XXXX NAME : XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX Dear XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I spoke with XXXX from the billing department. Agent states I was enrolled on XX/XX/XXXX and paid twice XX/XX/XXXX and XX/XX/XXXX in the amount {$99.00}. XX/XX/XXXX I upgrade my plan to repair advance {$110.00}. My services was ended on XX/XX/XXXX. I ended my services with them, they were doing absolutely nothing to improve my credit report. I felt advantage of. I would call to get updates on my services, nobody from CreditRepair.com didn't provide me with no information. The only time call me was to collect my payment. This company is money hungry and lazy
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago reviewed my credit report and found unauthorized inquiries.I have already contacted the creditors and they have not provided me with any proof that I initiated such inquiries nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written or verbal, I asked EXPERIAN to delete these unauthorized inquiries from my credit report immediately or provide evidence of any authorization. They ignored all my requests. 

According to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX  Inquiry Date : XX/XX/2021 Creditor Name : EXPERIAN XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : EXPERIAN XXXX XXXX Inquiry Date : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE THIS COMPANY TO UTILIZE MY CREDIT REPORTS