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

This is my second complaint regarding USAA. My account was closed by them and my remaining funds were on hold for 60 days to ensure accuracy and make sure they were all cleared. I was promised by the security department the hold would be released at the 60 day mark. Not before not after. Now, they are stating they are holding my funds because a different bank has a delay in charging an offset to my account. By law they had 60 days to respond. They have no right to money in my account or a chargeback after that point. I want my money that belongs to me returned. This is theft.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I applied for a XXXX loan online with XXXX, made 4 payments of XXXX and wrote them a letter stating that I was in hardship could we work on payoff amount and I would guarantee whatever I could afford to send at that time, no reply back, no emails, nothing. I have been receiving phone calls all week XX/XX/XXXX from a private number, on Friday they directly called my work and spoke with my boss who therefore pulled me into his office telling me they were serving me papers by XXXX XXXX. At this time I called the XXXX number they had listed the woman was very rude and then switched me to a XXXX XXXX who said if I paid them today they would cancel the the papers being served, of course embarassed that they had actually spoke with him. I gave them over the phone my debit card and paid XXXX towards this debt, they are telling me that I owe a total of XXXX??? I only took out the XXXX. Please advise as this was a third party ( XXXX XXXX XXXX ) debt collector and needs to get a little bit of ethics on dealing with people who struggle and do have lives, I do not want to be disturbed at work or home as I have reached out to them in XX/XX/XXXX.
Product: Checking or savings account

PNC sets extensive criteria for closing an account. Meanwhile, they charge {$7.00} per month for not closing the account. The bank should be forbidden to charge fees for or during closing an account. It is too difficult to sign onto their website and their system quickly signs me off automatically. It is very difficult to reach them by telephone and the representatives dont know what they are doing.
Product: Money transfer, virtual currency, or money service

I have a coinbase wallet. I bought there over the XXXX XXXX XXXX the following small cryptocurrencies for approximately XXXX XXXX XXXX : 1 ) XXXX  2 ) XXXX XXXX ) XXXX XXXX  XXXX  ) XXXX 5  ) XXXX  6 ) XXXX XXXX 7 ) XXXX  8 ) XXXX  9 ) XXXXXXXX  I want to swap this cryptocurrencies back to XXXX XXXX XXXX XXXX. So I made a swap from XXXX into XXXX of a small amount to test if everything works with the swap into XXXX. I made the swap over XXXX XXXX XXXX in my coinbase wallet. XXXX told me that they can see on XXXX  that I actually received XXXX  for the swap. But I can not see the XXXX  on the coinbase wallet. So XXXX told me : This is an issue with Coinbase not allowing users to send XXXX tokens directly to an XXXX  address ( pretty much all other wallets allow this ). To fix it, you'll need to contact Coinbase support, and have them transfer the XXXX  to the actual designated XXXX address in your Coinbase wallet. 
You will also need to give XXXX this link to the transaction ( as proof ) : XXXX XXXX XXXX Since they are in your Coinbase wallet ( but just not viewable ), only Coinbase support can make them available to you.

But the problem is that the Coinbase support never answers. I contacted them very often over their mail. So I will have the same problem when I swap some more of my XXXX XXXX XXXX  in this Small cryptocurrencies into XXXX  that I will not see the XXXX  I actually receive in my wallet. For me it is so much money and I want to have access to it again in the wallet. I think Coinbase should get forced to solve my problem or otherwise let their insurance pay me my money back. Coinbase did not tell me about the problem before I bought the small cryptocurrencies. So they did not give me enough information about their internal problems.
Product: Credit card

I attempted to make my credit card payment on XX/XX/year> and their system doesn't allow me to choose the date that I'm processing the payment, instead their system forces you to choose a future date that will in turn make my payment late and I will be forced to incur a late fee. Shame on Capital One credit card. 

This is a money grab & should be illegal!!!
Product: Credit card or prepaid card

Target contacted me stating someone opened a card with my SSN.
Product: Credit reporting or other personal consumer reports

Capital one bank account still reflects derogatory information even though the account is paid as agreed and charged off. And they are still inquiring.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to the Credit Bureaus today to inform the Credit Bureaus I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts and information listed on an id theft report. The items in question are as follows : XXXX XXXX XXXX : {$0.00} XXXX XX/XX/2021 XXXX XXXX XX/XX/2021. I can assure the Credit Bureaus that I did not open these items or authorize anyone else to do so on my behalf. This is a clear a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Debt or credit management

Three years ago, I leased an apartment in XXXX, which turned out to be in appalling condition, infested with rats, rendering it uninhabitable. Upon moving out, the apartment complex charged me {$800.00} for damages, falsely attributing the cost to new carpet and overall remodeling, even though no such improvements were made. This disputed amount is now with Genesis Collections Agency, causing harassment despite my efforts to communicate that I am not accountable for this debt. Furthermore, they are charging me interest on an unjustifiable amount.
Product: Vehicle loan or lease

Inaccurate address reported, Inaccurate names reported. Continuous validation of debt requested to include original debt owed, contract agreement, verification of identity on file, interest attached to debt, contractual agreement signatures by me. Proof of copy of Identification due to Identity theft, Inaccurate reporting with co loan without my consent. I requested these thing be mailed to me and upon Debt validation several times and advised I would discuss the debt being reported and possible resolution. They could not mail me anything for debt validation because they have no accurate new information on file. Please see your notice Last Mailed Certified XX/XX/ Todays date - Friday, XXXX XXXX XXXX No response. Please remove from XXXX XXXX and XXXX. 


The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within XXXX  days of their first communication with you, and it may be sent by mail or electronically.

This information will help you recognize whether the debt is yours and, if not, how to dispute it.

This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a XXXX period when you can dispute the debt
Product: Debt collection

XXXX XXXX. 
PayPal , Inc . 
{$950.00} reference # : XXXX I do not use PayPal for anything, ever. 
I have XXXX idea what this debt is in reference to. 
Their mailing has no validation for the debt. 

XXXX XXXX XXXX XXXX is collector that sent the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXXXXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

FOCUS FAILED TO FURNISH 30 DAY NOTICE, VALIDATION AND WENT ON CREDIT REPORT ANYWAY. 

IGNORED CEASE AND DESIST AND AND DO N'T CALL ORDERS CALLED MY FAMINLT 11 TIMES ON CELL ( GOT PROOF ).
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the bank associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. 

Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent account. 

XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

We contacted our mortgage company last XX/XX/XXXX, because of hardship and becoming behind. They would not help us, and depmanded a higher payment of {$500.00} plus more dollars, making a payment for us of {$1800.00}, or Foreclosure would happen, and they pulled our permanent modification from us during our phone call. They also had been taking unauthorized payments for a few months of this higher payment amount from our credit union account for a few months, until we had to change over to a new account. Also in XXXX, we had gotten a housing counselor to help us with trying to reslove our problems with iour loan between us and our mortgage company. We worked with her for about XXXX months, and she could not get anywhere with them, as she has been trying to get them to get us on the Hamp Two Tier Program, because the mortgage company knew well many time and for years, that I am on XXXX XXXX, and though my husband works fulltime, he is going through a work comp. case, himself, and we qualify for this mortgage program. We had not gone into Foreclosure until we were notified in XXXX of this year, XX/XX/XXXX. We got a letter from an attorney representing our mortgage company telling us we were Foreclosing, and had no prior contact for payments on the loan, except for very few collection calls, and only basic company generated letters. AS of now, we had lots of phone tag playing from our mortgage company since XXXX of this year, but have had many conversations and were promised to get our Foreclosure stopped. The action on the Foreclosure stopping was around the end of XXXX, early XXXX, The mortgage company came to us and told us that originally, we had owed around {$17000.00} from the past approximate year 's past due loan payments, including interst, plus fees. THey were going to force us to pay this to get our home back. On the same day, they called back and told us that we only had to XXXX of that, being {$6300.00}, and then our home would come our of Foreclosure, and the rest of the fees would be waived, and that the check be a cashier 's check, be sent over night, and that would get all of this in writing per our request. We has over a XXXX conversations and promises, and when we sold a car to get all of this done on a timeline to saveour home, they did not follow through still. They waited to send us the paperwork after the check was cashed, and it was n't written out like we were told and were promised. Two days later, they sent another letter, demanding us to pay the remaining balance of the past due amount of the {$17000.00} due by approximately XXXX XXXX, to get our house back. We do n't have this money. We also have not signed anything new for our old permanent modification loan, and are hoping to still be considered to get the Hamp Two Tier or Tier Two. We are dangling at this point, and out of that money that they cashed. We previously had a Sheriff Sale date for Just this passed XXXX XXXX, but it was stopped. We currently have a represenative from the MN Attorney General 's Office helping us with this matter.
Product: Credit reporting or other personal consumer reports

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$2800.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance Act, this creditor has violated my rights under 15 U.S. Code 1681 Section 602 states I have the right to privacy. 15 US Code 1681 Section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX- {$490.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, my personal information was used without my consent. I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items blocked and deleted from my credit report. 
XXXX Accounts to Block and Delete XXXX. XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$6300.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX  - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$5400.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$160.00} XXXX. XXXX. XXXX, XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$930.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1600.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$480.00} Fraudulent Inquiries to Remove XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX  - XXXX : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Credit card or prepaid card

the company or sales representative applied us for credit card that we didnt sign up for in the first place. We let that sales rep that we dont want our credit to be run nor wanted to open any credit cards offer and sales rep XXXX said that they dont need to run the credit because XXXX was in the system already and He is not applying us any credit card. Next thing we know we receive a letter in the mail from barclays stating that there was application for the wyndham rewards credit card that we dont have knowledge about it. This is a big NO NO to company applying credit without full authorization of the consumer and ruining their credit. This is violating the truth in Lending and TILA/Regulation Z compliance and This is a Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet and they used up my credit and ruined my credit score and I need everything removed all inquiries and any other account, s in my name
Product: Checking or savings account

The account was closed about 10 years ago yet solicitation is happening in a XXXX family member 's name. 
See attached letter : To whom it may concern : This is a fifth request to stop sending emails to XXXX XXXX at XXXX. She did not request any insurance information at any point since 2014. She is XXXX The multiple attempts to stop the emails is a secondary concern to the fact that almost 10 years later, the insurance sales got her information from WesBanco!! I was told XXXX obtained the information and is sending the emails. How would they ever get his old information especially when the account was closed due to death? The continued emails and inquires reveals a highly flawed security concern. I highly suspect a security breach is involved as well. Therefore, I am sending the incidents to XXXX XXXX XXXX XXXX and the Consumer Finance Protection Bureau for further investigation. 
The security issue is not my only complaint. It is very upsetting to receive these emails and have to make calls to ask to stop the correspondence. I am XXXX, so the energy to retrieve the documents and call to ask for removal each time is burdensome. Therefore, I am billing you a service fee of {$200.00}. I waived the first occurrence as respect but with 4 additional incidents ( 3 within a month today 's time ), I will no longer waive the charges for my valuable time. Payment can should be sent to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX
Product: Checking or savings account

On XX/XX/2020 chime put a hold my account with a balance of {$2600.00}. I sent them the documents needed to uplift the hold but on XX/XX/2020 they closed my account. I was receiving government money such as PUA in this account. Now Im being told my funds cant be refunded but theyre still sitting in the account.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is my request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXXXXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX  XXXX Balance Owed : {$870.00}
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. Act : XXXXXXXX XXXX, XXXX Name : XXXXXXXX XXXX, XXXX Name : XXXX XXXX XXXX Act Name : XXXX FCU 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. Inquiry : XXXX, Inquiries : XXXX, XXXX XXXX Inquiry : 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years