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

Per FCRA 604 ( 2 ) Permissible Purposes as a federally protected consumer each this is a direct violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have furnished a consumer report without my written consent and have fail to to produce evidence of said disclosure as described within the FCRA.
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 XXXX and Equifax 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$7000.00} XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> 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 # ( private case number ) 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 fraud.
Product: Credit card or prepaid card

Letter sent to Bank of America, credit card company who chose to " ignore '' my desire to dispute the double charge from XXXX - without my consent Regarding case numbers : XXXX XXXX XXXX XXXX Dear Bank of America, Please see attached the documentation of the double charge on my credit card from XXXX regarding my ticket, my mothers and my sisters to XX/XX/XXXX at the end of the year 2019. 

You will notice that XXXX provided me with a letter of credit, acknowledging their systemic defect in charging me twice. When I booked the first ticket their site was hanging ( not responsive ) and I never received confirmation of the booking. I went on to make an additional booking, which I got confirmation for 20 minutes later - the disputed charges are 20 mins in difference. 

Days later I realized I had been double charged for tickets back and forth from XX/XX/XXXX to XX/XX/XXXX for 3 persons making it a total of 6 flights extra on my credit card for a total of ~ {$2000.00}. 

I contacted XXXX immediately then and they informed me that because the airlines were different in the 2 different purchases ( 6 tickets each ) they could not void the additional ticket since it was considered a different purchase - please note same people, same To and From, same day but slightly different times and airlines, as they were different connecting flights. 

There was plenty of time for them to void the flights back when I first complained and sell them to someone else since it was end of the year ( busy period for travel and flights were booked solid ) but instead they decided to make it difficult for me and now continue to avoid addressing their mistake. 

I insisted it was their fault over several long calls ( more than 20 hours were spent on this ) and they agreed to give me credit, minus {$200.00}, for the processing fee, which would amount to {$1800.00}. Since I did not want credit but my FULL refund I brought up the issue with you, my bank to dispute the transaction. To me this is a fraudulent charge that I did NOT authorize or got confirmation on. 

I was disappointed the way you handled this complaint. As a platinum member I wish to see more action and less words about how much you appreciate my business. I hope you do the right thing. Ive been with your bank for a long time but I will not let this one go it is {$20000.00} and it is also a matter of principle. 

We the people should have a voice and big companies can not get together to determine what is right and you only do what is right for you and not for the people. 

XXXX can not do whatever they want and the letter of credit they agreed to extend to me is proof of recognition of wrong doing. See all the documents attached ( 26 pages ) If you have any further questions, feel free to reach out to me. You should have all my information. Cell phone is faster. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was recently informed by a representative from Equifax regarding my case related to the data breach. She mentioned that my case had been closed because I failed to respond by the deadline. However, I had submitted a request for an extended claim period and sent an email notifying them about my change of address, but unfortunately, I did not receive any response to either communication. 

On XX/XX/year>, I spoke with another Equifax representative named XXXX. During our conversation, she assured me that she would reopen my case and that I would receive a follow-up call regarding the status of my claim. Unfortunately, I have yet to receive that call or any further communication about my case. 

I want to emphasize that I took my responsibilities seriously ; I completed all the required paperwork related to the data breach, which was quite time-consuming and took me approximately an hour and a half to finish online. After all this effort, I am left concerned about whether my information has been lost in the process. I would appreciate clarity on the situation and any next steps I should take to ensure my case is properly addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Supposedly I owe the amount of {$310.00} dollars to collection agency XXXX XXXX XXXX XXXX. At around the time in question I was still out of it, and was on some XXXX medications from my XXXX  XXXX. I had XXXX XXXX XXXX, and am still XXXX from my XXXX XXXX. I would love to see the paperwork or some kind of proof that it 's mine, I could n't even have signed anything.
Product: Mortgage

The latest response from Wells Fargo I already sent to you continues to state than They are unable to provide the name of the third party person that interfered with the appraisal or how it came about.To this I say that is putting this obstruction in providing this information is a class of being a whistle-blower worthy of Rep.XXXX XXXX and his impeachment of the President of The United States of America and we all know how that turned out. Today I received a telephone call from XXXX XXXX from Wells Fargo reaffirming that they will not provide the information because it is confidential Talk about an abuse of p [ power and or authority this is it How do I make you " cfpb '' order Wells Fargo to produce the requested information
Product: Debt collection

Bank of New York Mellon request on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX  XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX {$630000.00} that is the total amount the banks and their services and attorneys are requesting
Product: Credit reporting or other personal consumer reports

I reviewed my Trans Union credit report and notice inaccurate information. The Pay Status for XXXX XXXX XXXX XXXX is incorrect. It should read " Paid, Closed ; Paid as agreed. '' This account was never late even the rating does not show any late payments but the Pay Status is showing as 30 days past due. How is that possible? This is incorrect. I even looked at my other XXXX and XXXX credit reports and both show " Paid Closed Never Late. '' I am attaching other report with status highlighted. 

Please correct Pay Status to Paid, Closed ; Paid as agreed. If this is not possible remove account because this information is inaccurate.
Product: Consumer Loan

I believe the shared processing network and database that XXXX XXXX companies use has been hacked or threatened with a Bot and thousands of customers may be affected. 

I applied for a XXXX XXXX XXXX about 3-5 years ago. 

Two weeks ago, I received an email telling me " my '' application had been received from and I need to click a link to verify it. I figured it was a scam, so I ignored it. A few days later, I received a followup email telling me the application has been processed. I called the company and explained that I had not applied for a loan. They asked me to verify my info and I discovered the application contained my name, previous address, drivers license #, DOB, and SSN. I submitted a report to FTC and added a fraud alert to my credit report. I also submitted a police report. I called the cash advance company back to ask for the banking info associated with the applicaton in hopes of getting a name of the thief from the bank, but they would not release it. 

This morning, I received another email from a different cash advance company - same thing, asking me to click the link to verify the info. I hoped the webpage would show banking info. I clicked the link and it did include banking info - my old banking routing number and account number!!! 

This leads me to believe that there is n't a single person submitting an application under my name, but it 's possible that the shared application processing network these companies use may have been hacked with malware or a Bot and the Bot is processing XXXX applications for XXXX customers in their database using the stored info the customers initially submitted years ago when a legitimate application was filed. 

The name of the first XXXX XXXX company was Green Trust Cash. 

The email I received today was from XXXX XXXX Now. The number is XXXX. They closed the application and put a fraud alert on it. 

However, I think there should be some type of public announcement to previous customers because inquiries are being made on our credit reports. 

Please contact me with a resolution. 

*In the next section, I provided my old address, which is the address on the cash advance applications. 

**I could only submit XXXX company name in the next section, but there are XXXX. See above for the XXXX company name.
Product: Debt collection

SW Credit Systems is stating that I owe a debt from XXXX XXXX XXXX of which I do not have any knowledge of. XXXX  recently decided to remove this negative tradeline from my report while XXXX and XXXX is still reporting this unverified debt. I have disputed this debt with the credit reporting agencies on numerous occasions but have only received the generic " Meet FCRA requirements. '' statement which is n't sufficient. The credit reporting agencies are reporting a debt that is not mine and ca n't be verified. Federal Law requires that the credit reporting agencies provide mechanisms to ensure that the disputed debt actually belongs to me and I am asking for any original documentation with my signature giving consent of service and the mechanisms that XXXX and XXXX have used to determine that this debt actually belongs to me.
This false and inaccurate debt has been moved around through different collection agencies over the past year and half. This debt was first reported by ( XXXX ) XXXX XXXX XXXX and was removed from my report in XX/XX/XXXX by all of the 3 major credit reporting agencies ( Please see the attached document that XXXX sent me showing that they 've ceased all collection activities regarding this debt ). SW Credit Systems is now the collection agency that 's reporting this debt to the bureaus and without verifying that this debt is accurate, XXXX  and XXXX is once again, refusing to do their due diligence and has decided to report this unverified debt to my tradeline although I have once again disputed this debt on numerous occasions over the past few months. Also, the address listed for this debt during service is not and has never been mine. Please see the attached documents that will show my W-2 documents from XX/XX/XXXX and XX/XX/XXXX that lists my proper address.
Product: Debt collection

I recently applied for an Auto Loan and As I was getting my credit report read back to me I noticed that I had a collection debt with a company called I C SYSTEM for a XXXX XXXX account. I called XXXX to verify this account and I was told that this was opened under a fraud account with my name and address. I spoke to an agent at XXXX and I was told that I would not be liable for this account because it was a fraud account. I tried reaching out to I C SYSTEM the supposed collection agency and I get yelled at also cursing at me and they keep hanging up the phone on me. I need this removed out of my credit report from all three credit agencies in order for me to apply for my auto loan. I need someone to help me.
Product: Checking or savings account

I have a Car loan with BBT and when I opened the loan account, they also automatically opened a checking account. They did not give me an opportunity to not open the checking account. I was told that the checking account was not going to have any fees associated with it.   I have paid my loan payments all on time and am close to finishing the loan. They started charging an " Account  Maintenance Fee ''  in  XXXX  for {$13.00} every month.   I did not authorize the fee nor was there a separate notice informing me of the fee. They snuck a short message into my regular monthly statement that went unnoticed since I get my statement emailed.   The message it 's is ambiguous and does n't clearly state why the fees will be charged other than " mortgage qualifier being removed ''.
Product: Debt collection

I am writing in to complain about Receivables Performance that is listed on my credit and the original creditor is claimed to be XXXX, and claim is in the amount of { {$130.00} }. I am writing this letter to inform the individual ( s ) that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do not respond to my request by saying that these accounts have been verified. Send me copies of the original signed documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the signed verifiable proof that you have on file for each of the accounts listed within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ulta card by comenity was reported as 30 days late on credit reports when I was not able to make a payment to avoid it. Comenity claims to been doing system updates for over a week now and people have not been able to log to account, make payments online or over phone for several days and therefore were not able to make payments by due date. I wanted to make payment by due date and pay past due amount to avoid late payment on report but was not able to as their system has been so messed up and got reported. Comenity has complaint after complaint on social media about all this and they just keep giving everyone the same automated answers over and over and no real clear answers. People are worried about a data breach or something as none of us have ever seen a system update take a week or longer where sites and phone lines all go down with no one able to do anything.
Product: Consumer Loan

Today is XX/XX/XXXX. I have had 4 phone calls from Ally Financial today. I am only 9 days late on my payment at this time. There are days that Ally will call me up to 6 times a day. They also call before XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM DEMANDING YOUR ARBITRITION DETAILS
Product: Money transfer, virtual currency, or money service

Cashapp is the company. 
The issue began with inaccurate info on the account. Having not received the physical debit card from cashapp, but being able to transfer in and out and a digital card. I started noticing multiple transactions, for amounts {$19.00}, {$49.00}, {$99.00}. over and over and over. I notified them, and filed a number of disputes, explaining the debits were unauthorized, and unknown to me, notified them card never arrived, notified them some of the charges appeared to be duplicates. They put me through their dispute process, filled out their forms. Within a day or two usually, and up to a week following the filing of the dispute, I would get emails denying each and every charge, and the emails said the charges were authorized and processed by them at my approval. I followed up by requesting the explanation of how they reached this determination, as provided under Regulation E. I was emailed a spreadsheet that showed some of the disputed charges, with the status captured in the box next to the charge, and a description card not presented. No further explanation was provided. I proceeded to question further and sent them the information pertaining to regulation E and disputes resolution. Emphasis on the section that provides, if the institution can't establish valid proof as to the disputed transactions being valid, the customers account MUST be credited for the funds disputed charges. Again I proceeded to file additional disputes again to reevaluate their determination. Further agreeing to accept the {$50.00} liability on the unauthorized charges. And this kept going for several weeks. When all was said and done, they continued to deny the disputed charges, and failed to furnish any sort of explanation of how they reached the denial. Ultimately they closed my account claiming violation of terms and conditions, with no further explanation, simply this can only amount to their means to escape accountability for charges UNAUTHORIZED and disputed.
Product: Money transfer, virtual currency, or money service

Good evening, CFPB. 

I am writing to you regarding my " temporarily disabled '' Coinbase account. 

After hours of reading online, I could n't seem to find an answer that could resolve my issue.

My coinbase account registered on e-mail XXXX has been temporarily disabled with funding in it. 

It is a known issue that Coinbase Support do n't handle the customer support cases that are submitted to them, and some people have been waiting for months. The highest one I 've found have waited for 135 days. 

With my account temporarily disabled, I am unable to retrieve my money from my account, and I am unable to manage the virtual currency that I have on my account.

I would like a detailed explanation of why my account is temporarily disabled, and how to get it back. 

Thanks. 
XXXX XXXX
Product: Credit card or prepaid card

I paid off the Current Balance of my Capital One Walmart Mastercard in the amount of {$5400.00} on XX/XX/XXXX. On XX/XX/XXXX they added {$60.00} in interest to the account. When I called and spoke with 2 different representatives about this, they indicated that the " Current Balance '' as shown on the website isn't quite correct as it doesn't have the " daily interest '' accrued and showing on there. When I asked the first representative who I could speak with regarding this, he transferred me somewhere that had about a 20 minute wait. I hung up and called back as I'm at work and don't have that long to stay on hold. The second representative repeated the same things that the first one did, and when I asked who I needed to speak with or write to, he said he didn't know, and asked me who I wanted to talk to about it. I told him I wanted the account closed immediately and that I would pay the {$7.00} that I agreed I owed today, online. Which I did. 

What I need to know is who can assist with removing this {$60.00} interest charge? This is not the only account, not even the only Capital One account, that I paid off. However, it is the only one charging me interest AFTER I paid off the account.
Product: Mortgage

I have been dealing with my mortgage company for 7 years. The problem first started when I lost my husband. He was killed XXXX, whilst in the XXXX and the guy/people that originated my loan are in Federal prison for predatory lending. My loan was originally with XXXX and then bought out by XXXX. Who then illegally foreclosed on me and I went to court and got a judgement in my favor. In the meantime I had to close XXXX because my daughter was diagnosed with XXXX and I had to work with her. I still receive my VA benefits and Survivor benefits to afford my mortgage. When the housing market crashed I initialized a modification with XXXX, it took two years of submitting documents. I also was n't allowed to make payments during this time. So my past due kept going up. Also my original loan balance was going up too. Finally they had all my papers together and I was in underwriting and on the final day they sold my loan to Natiionstar. They told me I had to do the whole thing over again, which I did that has been going on for two years. So it started at XXXX and now is XXXX and they having me owing {$300000.00} in fees and paments and XXXX in escrow arrears. They wo n't send me copies of the fees I owe or the original note or XXXX. Statements or Countywide documents or anything I request actually. I am a XXXX widow and have my late husbands daughter who is XXXX. This is the only home she 's known and I got completely messed over with my original loan. I feel like I 'm being walked over and I ca n't get any answers or help.
Product: Vehicle loan or lease

I XXXX XXXX have been being harassed my Exeter Finance LLC. Exeter Finance sent me a statement in the mail stating that I owe them money on the XXXX of every month for a loan that they gave me. It is a fact that I do not owe Exeter Finance anything. I feel there has been a mistake because they didn't give me anything of value therefore, I do not owe them anything. I demand Exeter Finance to send me the original contract and an audit trail of all accounting including the source of origination from where the lawful money was sent to me.
Product: Checking or savings account

I have a balance of {$780.00} in my Venmo account. Venmo, without notice, froze the monies in my account and it is all the money that I have. They are telling me it will take up to 10 business days to release the funds in my account. I have uploaded the requested documents and have been more than forthcoming with Venmo. I belive Venmo is stalling so they may collect interest on the account please help me recover my funds that are stuck in the account
Product: Money transfer, virtual currency, or money service

on XX/XX/20 i purchased a XXXX XXXX watch using my debit card i never received the merchandise so my bank told me to sub a dispute to my local branch. i was denied the dispute. my bank could not tell me what institutions the money went only the merchant how can this be when i received a credit of {$14.00} on XX/XX/20 when i know that the money did not go direct to the merchant because my account was debited by XXXX XXXX for {$58.00} on XX/XX/20. they are rejecting my dispute!