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

I got a letter from Citibank on XX/XX/2020 saying my checking account will be closed in 60 days. There was a remaining fund when the account was closed. The amount was {$77000.00} ( as showing on the final statement ). 
The ACH transfer of {$76000.00} on XX/XX/2020 was returned to the original bank on XXXX/XXXX/2020. So there should be a {$700.00} remaining fund on the account. 
I have never got the refund check for that amount. I have contacted customer service countless times and they were unable to help.
Product: Credit card or prepaid card

Several years ago., I got a secured credit card from ORCHARD bank. I had to send them $XXXX  or $XXXX  to get the credit card.  i owe them no money, but they quit sending me an updated card--don't know why--but NEVER RETURNED MY MONEY THAT I SENT TO SECURE THE CARD.  When I called the company to get my secured deposit back, the girl on the line told me that the computer didn't show THAT I HAD EVER HAD A CARD WITH THEM.  Will ypu help me to get my deposit back?  i have tried. This is most unfair for someone then associated with ORCHARD BANK has my money.
Product: Checking or savings account

I wrote a check to my doctor 's office against my Optum account, which had sufficient funds. My doctor 's office informed me that the check was returned unpaid, and assessed a { {$30.00} } returned check fee. I reached out to Optum three times, asking them to reimburse me for the fee, which was caused by them. They advised that they stopped honoring checks against Optum HSA accounts, but they never gave me notice of this. They have refused to make me whole despite failing to honor my check. I have attached messages with them attempting to resolve this, but they made no meaningful effort to make it right.
Product: Money transfer, virtual currency, or money service

I have been trying to move funds ( specifically, LTC ) from my Coinbase LTC Vault to my LTC wallet. However, I have lost access to my secondary approval email ( two separate emails need to be confirmed in order to approve the transaction ) and contacted Coinbase support to see if there was any way I could move the funds by some other means. After several email exchanges with their automated system, they stated a solution of : " Instead, we can move the funds from your vault into your wallet and delete the old vault. This will enable you to create a new vault and move your funds back into it.

I have just forwarded your case to our subject matter experts who can help. They will get back to you shortly. '' This was on XX/XX/XXXX. As of today ( XX/XX/XXXX ) I have not received any feedback or assistance from anyone on the Coinbase team.
Product: Debt collection

REF:XXXX This company has continued to harass my father, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. S.B. Investigative Services AKA Skip busters / Skip tracing Services seems to be a part of American Recovery Service and Patrick K Willis Company. My father had a breakdown from those illegal collection tactics. My father is a XXXX Veteran suffering from XXXX. They called him at all time of the night, and from private telephone numbers so we couldnt track the calls. 
I answered my fathers phone one time with a deep voice to make them think it was him. The caller said, you XXXX XXXX XXXX  will not pay your bills. I had to move him to the XXXX base in XXXX   XXXX with me to get him from these folks. I can not take this any longer. They are pushing the WRONG buttons with him. I have sent them a letter and begged them to stop these unethical collection tactics. Please make them stop, or send the owners to jail. 
Under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collections Practices Act ( F.D.C.P.A. ) I have formally notified them to cease all communications with him in regards to a debt that he is unaware of, or any other obligations that he alleges owe. 
Advise them if these collection attempts continue after receipt of this notice I will immediately file a complaint with the Federal Trade Commission, XXXX, and XXXX   Attorney General office. If he is contacted again after receipt of this complaint, I will pursue both criminal and civil claims against them and this company for violation of the F.D.C.P.A. They should be aware of this complaint going forward. I will confirm the delivery of this complaint. All future communications will be recorded. I will use it as evidence in my father claim against them. 
I will monitor any negative information appearing on my father credit reports about this account. If so, I will handle it with his full legal rights and use remedies available to him with regards to current consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
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: 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. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX. XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 card

I did not know there was a balance after the disputed item were credited back to the account. And even if that was the case, why was n't the due balance automatically debited from the checking account like it has been done for the past 6 years, which I was NEVER being late. I made a payment via mail for XXXX on XXXX/XXXX/2016. I have not access to the account anymore because it was blocked by the bank, which made it impossible to make a payment. 

I would have not put myself through all this XXXX for {$38.00}, and this headache. The company still have not addressed the following issues, It MUST be addressed by next week or it will result in additional complaints filed with the FTC, CFPB, XXXX XXXX, and the NYS XXXX. 

First, the company must remove the late payments as the outstanding balance should have been deduct via automatic payment as it has always been done for the last 6 years. I am not paying {$80.00} in late fees for {$38.00}, that is pure abuse. 

Second and most importantly, The inaccurate information reported to the credit reporting bureaus in regards to the late payments, and closure of the account, MUST be retracted, deleted and removed. 

Failure to comply with my demands will result in additional complaints to be filed with the FTC, XXXX, XXXX ( local and national ), and the NYS XXXX. 

Thank you for your attention to this matter and I very much appreciate any help you can give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my online account broken into and someone tried to deposit checks in my account and my ssn was reported back to check systems for a matter that wasnt my fault
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I need this fraudulent account removed from my credit reports. The account in question is a XXXX XXXX  - XXXX, which was opened on XX/XX/XXXX. This is not mine. While I do have an open account with them, this specific account is not mine. 

I have never been late with any of my payments on any of my accounts. You can check my credit profiles, and you'll see that I have a good payment history. It is absurd to me that my credit is suffering because someone stole my information. Please help me resolve this issue and remove the late payment record on my actual open account with them - XXXXXXXX XXXX - XXXX - XX/XX/XXXX. 

I initially reported this to XXXX and they responded to me on XX/XX/XXXX that they can't help me with it. 

I attached here my credit report, FTC report, ID and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate name : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday XX/XX/2020 at approximately XXXX a charge was posted to my account from TU*Transunion for {$19.00}. I was asleep at the time of the posting of this transaction. I didn't discover I had money missing until around XXXX that evening. I looked on my account debits and saw this, then, not knowing who or what Transunion was, I looked them up online and called their number to explain they had taken money from me for a service I did not authorize, they then asked for my entire social security number, which I declined to give because no one should ever ask for the entire number. They tried to insist that I set something up with them back in XXXX. They asked for my name and address to verify that way, I gave that information, but then they told me they still needed my entire social security number. They told me I'd need to call another number to cancel and they'd still need my ssn. I got upset and hung up and called my bank to dispute the charge and get a new card issued to try and prevent these charges from recurring as this is fraudulent activity. Then, on Friday XX/XX/2020 they have sent me an email trying to get me to use a service they are charging me for that I didn't ask for. This is the first email I've ever received from them and the first charge I believe I've received from them. Who are these people? This is such a scam!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX Transunion XXXX XXXX RE : NOTICE XXXX XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to Transunion that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX Account number XXXX {$44000.00} Date opened XX/XX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance {$56000.00} XXXX. XXXX XXXX XXXX XXXX Original balance {$66000.00} Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance {$49000.00} Account number XXXX XXXX. XXXX XXXX XXXX XXXX Original balance {$56000.00} Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Original balance {$47000.00} Account number XXXX Date opened XX/XX/XXXX Sec. XXXX802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does Transunion allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that Transunion PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Transunion are in direct violation of the GLBA act GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses.
Product: Money transfer, virtual currency, or money service

I used XXXX to send payment for football tickets which were never received. I called Chase ( my bank ) and they told me there was nothing they could do and offered no help at all. They wouldnt even give me the merchants info. People need to be very careful using XXXX as your bank will not offer any consumer protection for the service offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit with Equifax is supposed to be Frozen. A company was able to run my credit with Equifax. My password is not working to go in and refreeze my credit. I have tried their automated phone system and it is not working. The system is having an issue with the # 5 option. I can't " pass '' their security questions because I have # 5. I have contacted them through XXXX XXXX. I have had correspondence with them 4 times since XX/XX/2021 with absolutely no resolution. I explained the situation to them and asked for a person to contact me because the automated system does not work and I need to either reset my password so I can do it or they need to refreeze my credit. They continue to repeat that I need to go through their automated system. 

I have absolutely no other options and am left with my credit being vulnerable because of Equifax 's, inability to provide a system that works or an option when it doesn't. 

Please help me to get them to assist me in protecting my credit. They have a responsibility and they are completely inept and very indifferent to the risk of my credit.
Product: Credit card

I am writing to formally complain about a profoundly disappointing and frustrating experience I had with your customer service on XX/XX/XXXX, at XXXX XXXX ET. I contacted your team to discuss the possibility of downgrading my credit card to avoid an annual fee that had been charged to my account. Regrettably, not only was my request denied, but the handling of my call was completely unacceptable. 

I was transferred to a supervisor named XXXX, who was dismissive and uncooperative throughout our conversation. Despite my attempts to obtain more information about whom I was speaking with, XXXX provided no further details and insisted on rushing through the call. Her constant interruptions and evident disinterest in assisting me were unprofessional and disrespectful. 

Repeatedly, XXXX talked over me, repeating the same unhelpful information and refusing to consider any solutions that could assist me or preserve our customer relationship. When I requested to be transferred to her manager, hoping for a resolution, she flatly refused and continued to speak over me. Even after I politely asked her to stop interrupting and allow me to finish my sentences, she persisted. The call ended abruptly when she hung up on me as I was about to request the closure of all four of my Chase accountsa decision I was considering due to the poor service. 

I am appalled by the audacity and rudeness displayed by your customer service representative. Such behavior is not only inappropriate but also harmful to the trust and loyalty I have placed in Chase over the years. I am still shocked by the lack of courtesy and professionalism, which has led me to reconsider my relationship with your bank. 

I expect a formal apology and a reconsideration of my initial request to downgrade my card without the annual fee. Furthermore, I would like assurance that this feedback will be used to prevent similar experiences for other customers in the future. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint for Transunion to verify some that were of question on my credit report. They continue to report information in my report without verification method being reveal, further more the items that were listed in my complaint, back in XXXX has items that were listed as an Identy theft issue was pulled off the report in XXXX and then reappeared XXXX XXXX. This is unacceptable as I wrote a letter stating my concerns and they did not respond. I know that if a reporting company has to reinsert a item back on the report, they need to contact the consumer within five business days before doing so. They did not practice the FCRA Law and it is creating many issues for me. I had to hire a Attorney, because the company act as if I have no rights to question the valdility of information on my report when FCRA laws clearly state that I can.

I ask for all this information to prove that the account belongs to me and they have not provided it to me and they are still reporting the damaging information. One being a XXXX  XXXX XXXX Account. NO INFORMATION ABOUT THE ACCOUNT AND ITS VALIDITY AND IT BEEN 2 MONTHS.
Product: Credit card or prepaid card

Deposits where made through XXXX and online using XXXX But the funds where never posted. I reached out to customer service amore than once and I also spoke to the manager more than once but nothing was done for fix the problem. I ordered na new card and tried all over again but no nothing appeared.. The cards I used were ace elite prepaid, ace Flare accountXXXX XXXX which is XXXX XXXX prepaid. I'm having a lot of issues with the merchant withdrawal using the name XXXX where they went into another account XXXX  XXXX XXXX and withdrew all of my balance.this happened last year ago present day and I'm tired of being broke. XXXX XXXX XX/XX/XXXX of this year
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : I made my payment on time, but the delay in processing by XXXX XXXX XXXXXXXX led to the late payment being recorded. Attached is a copy of the bank statement showing the payment date. The delay was on the part of the bank and not due to any action on my side. 
Discrepancy in Due Date Communication : There was an inconsistency in the due date communication, which I raised with XXXX XXXX XXXXXXXX. The discrepancy between the statements I received and the payment due date caused confusion. I have attached correspondence with the bank that acknowledges this discrepancy. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/, my husband and I opened a checking account with Wells Fargo and still maintain it. As with most banks, we were given the choice to opt in or out of overdraft protection. We opted out of overdraft completely. However, on all of our statements, overdraft was clearly allowed and we were responsible for the fees accrued. I have recently learned this was an issue for a significant number of customers. Since there is an advisory against including personal information, I will not send statements, but I will gladly share them privately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found many inaccurate accounts listed on my credit reports that under the violate my privacy according to the Fair Credit Reporting Act under 15 USC 1681 section 602a.

Also under 15 USC 1681 section 604a : States that I have to privacy 15 USC 1681c - a5 section 2 : States that a consumer agency may not furnish any account without my written instructions.

15 USC 1681s-2 a1 : States that no consumer agency may make any consumer report containing adverse item of information about me. 

The accounts that have violated my rights are : XXXX XXXX XXXX acct # : XXXX XXXXXXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX account # : XXXX XXXX account # : XXXX XXXX account # : XXXX XXXX XXXX  XXXX acct # : XXXX XXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX  acct # : XXXX