23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A charge on my XXXX periodic statement from Barclays Bank was identified as having been posted to an account number that was closed by the bank due to a security breach in XXXX. A new account number was issued in XXXX. The bank was unable to explain how a charge ( which was, in fact, unauthorized ) could be posted to an account that had been closed by the bank due to a security breach 17 months earlier. I was initially advised that the charge would be removed because it was unauthorized, but because it was a card number I had previously held, my current card number would have to be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$130.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

XXXX XXXX acquired my loan in XXXX and in XXXX I was notified on XXXX XXXX of a new servicing agent, CMC Funding/XXXX XXXX XXXX. Additional letters from CMS/XXXX showed inaccurate accounting information showing that I owe for XXXX and XX/XX/2019. I called CMC/XXXX on XX/XX/XXXX and informed them that I previously made payment to the previous servicer, XXXX. Since XX/XX/XXXX, I have called every week and mailed on XX/XX/XXXX and XXXX CMC/XXXX a certified letter which they received on XX/XX/XXXX and XX/XX/XXXX. I also emailed them proof of payment from a statement downloaded from my previous servicer, XXXX. I was recently mailed a letter of intent to foreclose and continue getting calls from CMC to collect payment. This is very frustrating since I have always made my payment on time including a XXXX payment which I made to CMC/XXXX and they have withdrawn from my account on XXXX XXXX.
Product: Credit card or prepaid card

JP Morgan Chase continue to charge annual fee for multiple years while the credit card was not longer used and inactive for multiple years. I requested the refund of the annual fee for the last two years and was denied. Typically credit card was suspended automatically due to inactivity. But Chase kept the credit card active on my account for the sole purpose of charging annual fee while my other inactive card were cancelled automatically. This is a predatory business practice solely for the financial gains of Chase. I wonder how many consumers were defrauded by chase with similar criminal practices. 

I need full refund of annual fees for the last few years.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4300.00XX/XX/XXXXXXXX Balance : {$0.00}
Product: Vehicle loan or lease

Originally contacted XX/XX/2021 hmfusa ( Hyundai Motor Finance ) ; a " charge-off '' was placed on my account after the vehicle was deemed a total-loss ( losing XXXX points on my credit score ), as never being late on any payments and paying my loan as agreed per terms of my agreement I contacted hmfusa and requested the inaccuracy to be removed and sent a letter on XX/XX/2021 to hmfusa XXXX as of today ( XX/XX/2021 ) I continue to make timely payments as agreed by my loan 's terms. I disputed this inaccuracy with XXXX XXXX and XXXX and so far XXXX denied my request to delete the charge off status even though I have proof that I was never late or less than the minimum amount per month. I don't believe it is okay to mark a customer 's account as a " charge off '' and damage their credit when they've never been late or had missed payments. and nowhere in my loan contract states that you are able to determine the account as a " charge-off '' whenever you feel like it. In conclusion, I will never do business with Hyundai Motor Finance again.
Product: Credit reporting or other personal consumer reports

After applying for a mortgage i observed several inaccurate information on my credit file. I have written several letters requesting and investigation and that these inaccuracies be fix or removed. 
I continue to get the run around 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 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
Product: Debt collection

I was a XXXXXXXX XXXX customer up until XX/XX/2023 when I moved and could not transfer the service. Although I was told by XXXX when I got a new plan that I would not be locked in for 2 years, when I called to terminate the service, XXXX claimed that I had to pay an early termination fee. I already paid the bill [ {$130.00} ] for XXXX so XXXX was to reimburse me for what I paid and send me a final bill. 

On XX/XX/2023, XXXX took money out of my bank account for XX/XX/2023, billing me for services that had been canceled. I called to have them reverse the charge and to ask again for a final bill. I did not receive a final bill in XXXX or XX/XX/2023, despite providing a forwarding address twice in XXXX and XXXX. I was unaware that once you terminate your services with XXXX XXXX, you can no longer access your online account ; so although I tried to log in and see what the final charges were, I was unable to. I called XXXX in XX/XX/2023 to ask why I could not log into the online account and was then informed that once you terminate services, you can no longer access the online account. I was advised to wait for the final bill which would provide me with the ability to pay the outstanding charges. 

On XX/XX/2023, XXXX reported the account as delinquent and sent to collections, tanking my credit score by XXXX points. On XX/XX/2023 when I was notified about this, I called XXXX to ask them why they reported the account as delinquent when I never received a bill and was advised to wait to receive the bill. XXXX stated that they would send the final bill out as soon as possible but that the damage done to my credit already was " not their problem ''. I received the final bill a week later [ it was mailed out on XX/XX/2023 ] and promptly paid the balance. I disputed the collections charge to my account and am still trying to get it removed. This has caused major damage to my personal credit as well as my business credit, which pulls from consumer credit reports. My business credit has now been slashed by XXXX as a result of this.
Product: Debt collection

I received a call from XXXX XXXX of XXXX. They left a voicemail on my phone as well as my ex wife. 

" I have official documents being delivered to XXXX XXXX XXXX XXXX ... Sine your social security number has been attached to the documents under federal law we are unable to deliver at that address verification. You must contact the original firm at XXXX Ref XXXX '' I have not lived at that address since 2006. The blocked the number they called from and then called my ex wife and left the same message. They do not identify themselves as a debt collector. When I called they refused to give me any information about the debt or their address.
Product: Checking or savings account

Subject : Complaint Regarding Misattributed Messages in Bank 's Secure Messaging System Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against UFB Direct, a division of Axos Bank, regarding a deceptive practice in their secure messaging system. 

Background : On XX/XX/XXXX, I accessed my secure messaging system within my online banking account at UFB Direct, division of Axos Bank. I discovered that the system displayed messages attributed to me that I did not write. I contacted the bank immediately to clarify this issue. 

Communication with the Bank : On XX/XX/XXXX, I contacted UFB Direct, a division of Axos Bank, customer service via secure messaging system and explained the problem. I specifically stated that messages were labeled with my name, making it appear I wrote them when I did not. I also provided a screenshot of the message thread as evidence. 

Following this initial contact, I engaged in further communication with the bank over the next two months to seek a resolution. However, despite my efforts, the bank ultimately responded on XX/XX/XXXX stating that misattributing message authorship is not an error, but their standard practice. They confirmed they have no intention of changing this practice. 

Concerns and Request : I believe this practice by UFB Direct, a division of Axos Bank, is misleading and deceptive. Assigning authorship to messages that I did not write misrepresents the information and creates a potential risk of confusion and misuse. This is particularly concerning in a secure messaging system where accurate communication is essential. 

Therefore, I request the CFPB to investigate this matter and take appropriate action to ensure UFB Direct, a division of Axos Bank, implements practices that accurately reflect message authorship within their secure messaging system. 

Additional Information : I have attached the following documents for your reference : Screenshot of the message thread showing misattributed messages. 
Copies of all communication I have had with UFB Direct, a division of Axos Bank, regarding this issue. 

Thank you for your time and attention to this matter. I look forward to your response and further action on this complaint.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I noticed a car loan was taken out in my name from Kia Motor Finance. I have never done business with Kia or its partnerships. I have filed many police reports and FTC reports trying to dispute this account as identity theft. I have been fighting ID Theft since XXXX of XXXX. I am trying to get loans and establish business credit but this account is affecting my financial abilities.
Product: Checking or savings account

I just got a called from Wells Fargo, and they dont understand that they didnt deposit my social security money from my retirement I want my money back they have robbed me and they dont want to investigate the problem. Please help me out by getting my money back I know is not a lot but I needed XXXX XXXX XXXX XXXX and alone if they dont give me my money back I want to sued them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in lighting of the recent CFPB lawsuit highlighting significant issues with the platform. Deposite using zelle numerous of times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

- XX/XX/XXXX I submitted a large amount into the exchange to buy XXXX - early XX/XX/XXXX I attempted to send out my XXXX - XX/XX/XXXX XXXX  requested verification documents- XX/XX/XXXX Per gemini 's request, I submitted verification docs ( selfie + code + drivers license all in XXXX photo ) and was told my ticket ( # XXXX ) would be looked at but no action has been taken - XX/XX/XXXX I am STILL waiting on action from XXXX, they keep giving me the run-around without any action to my account- I have emailed and verified with them XXXX XXXX, opened new tickets, even re-uploaded verification documents. They have gone silent on me and are no longer responding, I fear they are scamming me for all my money. I am desperate to get these funds to help my retired mother right now.
Product: Vehicle loan or lease

In XX/XX/2018 I attempted to log into the Toyota Financial Services website and make my monthly payment prior to a trip I was leaving on. The website would not allow me to make the payment without accepting their news terms of service, but I did not realize the payment had not been made until I received my XX/XX/XXXX statement. I immediately made two payments on XX/XX/2018. They reported me 31-60 days past due and it dropped my credit score from XXXX to XXXX. I attempted many times to speak with someone and I always end up on hold for up to an hour before I finally hang up. They are refusing to fix anything on my credit report and this will hit my pocketbook harder than I prefer by having a poor credit score. They are only interested in explaining the extraordinary efforts I should have taken to get them the payment regardless of the change in terms of service.
Product: Checking or savings account

My husband died XX/XX/XXXX. We held 3 checking accounts with USBank that are joint and payable on death - combined amounts totalling around XXXX XXXX. My primary credit card is through USBank, and I do a lot of bill pay through them online. 

When I took in the death certificate last week to report the death as required, they cut off access to all my accounts and froze them. Said I needed to provide proof of survivorship, proof of estate, or other such legal documents to unfreeze my own money. 

This is not a valid legal requirement. My attorney quickly drew up papers showing I'm surviving account holder and sole executor. I should have access again next week after quick legal process- but I should not have to go through this. It's sexist, for one thing, and will be especially unfair to surviving dependents who are financially stressed. 

An XXXX  from USBank life events dept emailed me and also attempted to reach me by phone. Of course their business hours work in a different time zone, so I could not speak to her personally. I've answered an email and said I was very dissatisfied. No real dialogue with anyone up to this point except with local bankers that froze the account. 

I am a well-off widow with access to other funds and I can afford attorney fees. What about a widow who is NOT so well off, and whose partner dies suddenly? What's happening to the bills that should have been autopayed last week? This practice is wrong on so many levels... It should be resolved soon for me, because I have been aggressive, but the whole thing is just preposterous.
Product: Money transfer, virtual currency, or money service

On XXXX I was notified by Coinbase that an unauthorized transfer of {$1000.00} was unsuccessful and that I had to act immediately to fund this action. So I transferred the {$1000.00} and contacted Coinbase to explain that I did not make this transfer and that it came from their end. Coinbase locked my account out of XXXX. Coinbase told me to make several security measures and then they would unlock my account. I did. Since then I made requests to explain the unauthorized withdrawal and to unlock my account. No one has ever responded to multiple request including a close account request. Coinbase has refused to communicate or explain why I am out {$1000.00} or unlock my account. I mailed XXXX XXXX CEO of Coinbase of the circumstances regarding this indefinite unlawful lock out and non-responsive customer support as well as the multiple class actions against Coinbase for the same issue. 
No one has responded and I am still locked out.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

Reporting agencies Experian, XXXX, and XXXX have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXXXXXX has violated my rights. 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
Product: Credit card

Hello, I believe I am suffering injustice from Amazon/Synchrony as this company is adversely affecting my credit score and will continue for XXXX years unless my credit card is re=opened or removed from my credit file. 

Prior to Amazon/Synchrony Bank closing my credit card ; my stellar credit score was XXXX. 

My credit score has adversely dropped and I desire to recover my score to XXXX or above as I am in the process of purchasing my dream home and desire an XXXX credit score and will not meet this expectation as long as this credit card reports closed on my credit file. 

I have done all I can do, to have this issue rectified to no avail. 

I was approved for an Amazon Card. 

I have never been late nor did I owe a balance at the time my credit card was unjustly closed by Amazon/Synchrony Bank. 

Synchrony Bank unjustly checked my credit file and closed my account without my consent due to my credit score had dropped in XXXX 2015. 

I feel violated by Synchrony Bank making an judgement call on my credit which was right after the XXXX and Holiday season which many people all over the country max their credit cards out during the holidays and pay them off in the new year. 

It is my earnest belief, my privacy has been violated and furthermore ; as long as I have made on time payments to Amazon/Synchrony Bank it is none of their business to monitor the balances I owe to other credit agencies as well as my credit score. 

I need this rectified immediately. 

Thank You, XXXX XXXX
Product: Debt collection

As of today, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX is reporting to XXXX that I have an open balance owed worth {$10000.00}. This is not true because theyve sold the vehicle for that amount already. I do not owe them. Theyre also reporting that the account was opened XX/XX/XXXX. That is also false. Theyre reporting false information on this account. I would like for XXXX XXXX XXXX XXXX to remove and delete this account from my XXXX credit report as it goes against Fcra law
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 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 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 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 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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 fraud.