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

THIS ON GOING INVESTIGATION WAS WHEN ALL XXXX CREDIT VENDORS SAID I HIRED XXXX TO HANDLE MY PAYMENT AFFAIRS WHICH I DID NOT. MY CARDS WERE IN GOOD STANDING AND UP TO DATE WITH PAYMENTS AND AN ACCEPTABLE CREDIT SCORE. THEY ASKED FOR PROOF I DID NOT HIRE XXXX XXXX AND CANCELLED ALL SERVICES XXXX SAID i HIRED THEM FOR. BUT NO PROOF OF PAYMENT TO XXXX WAS GIVING NO PROOF I HIRED XXXX XXXX AT ALL BUT THE CREDIT VENDORS REPORTED MY POAYMENTS AS LATE AND CANCELLED ALL CARDS AND ACCTS. IN TURN MESSING MY CREDIT SCORE WAY BAD. IT'S IN THE LOW XXXX 'S RIGHT NOW AND I'M STILL MAKING ABOVE MIN PAYMENTS AND STILL KEEPING MY END STRAIGHT AND YET MY CREDIT SCORE REMAINS BAD. I AM WITH SECTION XXXX FEDERAL HOSUING AND I CAN NOT KEEP AN APARTMENT WITH BAD CREDIT. SEC XXXX ONLY GIVES PEOPLE ONE SHOT AT A PLACE TO LIVE ONLY ONCE. NO SECOND CHANCES. I WANT MY CREDIT SCORE TO RETURN TO GOOD AND FOR ALL CREDIT VENDORS TO HONOR THEIR PAYMENT PROGRAMS I HAVE ENTERED IN TO TO PAY ALL THESE BALANCES OFF. I HAVE PROOF OF CANCELLATION LETTER FOR XXXX XXXX EVEN THOUGH I NEVER HIRED THEM AND I'V E GOT BANK STATEMENTS SHOWING MY PAYMENT HISTORY BEING IN THE GOOD WITH ALL CREDITORS. I ALSO HAVE EMAILS OF CAPITAL ONE THREATENING ME ABOUT LATE PAYMENTS WHEN I WASN'T LATE. THEY'VE ALSO GOT ME CHARGED WITH CASH ADVANCE INTERESTS AND I DON'T HAVE CASH ADVANCES I'V E GOT PROOF OF THAT TOO.
Product: Checking or savings account

Truist placed a hold on my mobile deposits, despite me having used mobile deposits for XXXX years, before a vacation where I needed the funds. They gave a plethora of excuses, none of which applied, and refused to resolve the issue ; my money will not be fully available for XXXX days.
Product: Mortgage

I pay all of my mortgage payments through my bank 's online bill pay service. All payments have gone through and have been deducted from my bank account. For some reason my mortgage company did not apply my XX/XX/2019 payment to my mortgage. I have spoken with numerous different people at the mortgage company ( XXXX XXXX ) and I have sent them the documents they have requested and they are still refusing to credit my account. I spoke to two different people recently who reviewed the information I sent and they both told me that it was adequate proof of payment and they would get it resolved within 3-5 business days. However, I finally got in touch with a supervisor and she said that they need additional documentation. I have spoken with my bank and they have sent me every proof of payment they can think of and I have forwarded all of it to my mortgage company but they are still refusing to credit my mortgage for my XX/XX/XXXX payment. Can you help please? 
XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates , LLC is a debt collection agency that has violated the Fair Debt Collections Act by adding a negative account with the Credit Bureau on my credit, which I have not given permission or signed a contract with, nor do I know who they are and is affecting my credit score, preventing me from moving forward with my life. I have contacted their company and they refuse to help me. I have requested the contract that I allegedly signed with them and they can not provide it ( because there is not XXXX ). I demand that this situation be investigated for fraud and trespassing and have them removed from my credit account with the Credit Bureau.
Product: Credit card or prepaid card

Someone unlawfully used my information to open a XXXX XXXX XXXX credit card in XXXX XXXX Texas on XX/XX/22. I live in New York. On that same day they purchased {$1300.00} worth of merchandise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15USC 1681 Equifax is govern by 15USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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

I am an XXXX citizen living in XXXX. 
When I opened a Coinbase account I was asked to prove my identity and country of residence. 
After few month, I've tried once to access to my account when I was in XXXX for vacation. 
After this event, when I try to access to my account I lend to a page where is written that because of what recommanded by the U.S. Treasury and the Office of Foreign Assets Control ( OFAC ) my account is locked. 
I sent several emails but after more than 3 weeks I still can not access to my account.
Product: Money transfer, virtual currency, or money service

I got scammed by crypto scammer and wired money to them, so it needs to be reverse asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last resort, I have been going back and forth with creditors and bureaus. Still the same results, I have send in updated police reports and FTC report, with all my updated IDs still same results verify please help they are stopping me from living my life with my XXXX kids and husband. Not able to purchase first home because they are giving me so many problems. Negative accounts are only on Experian and XXXX they were all deleted from XXXX in 2016 when my identity was stolen. Creditors has received reports and all I dont know what yo do at this point.
Product: Bank account or service

Wells Fargo has a published policy about funds availability on wire transfers into your customer account at the bank. It is clear, and states that a wire transfer is the same as cash ... ..available immediately. I sold my airplane and had a wire for {$53000.00} sent to my Wells Fargo account. It came in the morning and I verified it 3 times on the phone and on line that it was available. I live in XXXX and it is a 2 hour drive to their nearest branch. I had called earlier that day and asked if I could do the wire on the phone and while they knew I lived 2 hours away, they told me I had to come in. I drove the 2 hours to get there and after I had filled all the stuff out and given them my ID, they told me the funds were not available. I told the branch manager of the XXXX XXXX branch that it was and that I had verified it 3 times before driving to the branch. I was rebuffed and asked if they could process the wire and send it tomorrow ... ..when it " posts ''. I was rebuffed again and was told that I had to be physically there. I asked her to call the regional VP to make an exception. She would n't budge. I left the bank to drive the 2 hours home really frustrated. 
I called the district manager of wells fargo in Macon XXXX, and he was out. I called the branch back to again implore the branch manager to call a higher up. She had gone to lunch at XXXX in the afternoon. I then called the regional VP in XXXX XXXX for another discussion. Each time I was told that wires had to " Post '' before they were available. I was told by the XXXX XXXX office that someone would call me back by XXXX that day. At XXXX I got a call from a XXXX " XXXX '' phone number and did n't take it til the next day. 
It was the district manager who again told me that the wire had to post before it was good. I told him that was contrary to the banks written policy and I sent him a copy. I had also called the banks customer service number and was told by them that wires were as good as cash and did n't need to be " posted '' to become good. I told this to the district manager and he seems to be quoting some secret unpublished policy about " posting ''. 
The next day I drove to a different Wells Fargo branch in XXXX XXXX. I talked to the branch manager, XXXX, before I drove the hour and a half to that branch. She even quoted the " posting '' policy as a security measure. Since the funds had posted overnite, she was able to handle my wire without any drama and waived the wire fees. 
I texted the district manager of the XXXX office that the wire had gone through and that I wanted a definitive answer about the secret/unpublished " posting '' requirement in lite of the clearly stated funds availability policy. 
I also provided him with additional information that the funds available policy is very hard to find on the internet, and customer service was not able to find it either. However, my newly opened XXXX checking account has it clearly publised in their new account paperwork. 
In closing, it seems that Wells Fargo applys secret and unpublished requirements when they publish a policy that is deceptive and their actions are deceitful.
Product: Debt collection

Payment of debt of {$300.00}. was made in XXXX of XXXX and the debt is still showing on my against my credit report. I called the company as recently as XX/XX/XXXX to tell them to removed and it is still showing.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital OneS failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit card or prepaid card

I received a billing statement with a balance of {$1700.00} that reported that I needed to submit payment before the payment due date of XX/XX/XXXX. I sent payment in full for {$1700.00} in a legal tender payment form via mail on XX/XX/XXXX. I called Capital One and they confirmed that they received my mailed-in payment on XX/XX/XXXX and would process payment accordingly. On XX/XX/XXXX I checked to see if the account balance was updated but I realized that they did not apply my payment to my account. Capital One then reported the closing of the account to XXXX and all other credit reporting bureaus on XX/XX/XXXX without correctly the billing error of the account balance or letting me know why they decided to close the account. Instead, they reported a new interest-increased balance month to month without the application of my payment. They are reporting the account as closed but increasing the account balance each month requesting I repay a new balance without acknowledging that my original payment has not been applied to my account. I sent letters on XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX all in an effort to correct this but Capital One has refused to do so. Now they have reported a balance of {$1900.00} on my consumer report without adjusting my payment of {$1700.00}.
Product: Credit reporting or other personal consumer reports

12 CFR 1022.24 - Reasonable opportunity to opt out.

CFR Table of Popular Names prev | next 1022.24 Reasonable opportunity to opt out.

( a ) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about your products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by 1022.21 ( a ) ( 1 ) ( ii ) of this part.

( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt-out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.

( 2 ) By electronic means.

( i ) The opt-out notice is provided electronically to the consumer, such as by posting the notice at a Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.

( ii ) The opt-out notice is provided to the consumer by email where the consumer has agreed to receive disclosures by email from the person sending the notice. The consumer is given 30 days after the email is sent to elect to opt out by any reasonable means.

( 3 ) At the time of an electronic transaction. The opt-out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on a Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.

( 4 ) At the time of an in-person transaction. The opt-out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt-out preference or that requires the consumer to check one of two blank check boxes ; one that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.

( 5 ) By including in a privacy notice. The opt-out notice is included in a Gramm-Leach-Bliley Act privacy notice. The consumer is allowed to exercise the opt-out within a reasonable period of time and in the same manner as the opt-out under that privacy notice. 
XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

all the big companys got nationwide listed differant i just want them to show same info
Product: Debt collection

Company hired a debt management company to collect a debt. The company has tried to contact me numerous times. The name of the company is XXXX XXXX XXXX. The debt collection company called my spouse without my permission and gave personal details as well as contacted my employer. This is after I tried to make payment arrangements last year with balance credit. I have asked both the debt collector and balance credit to cease and desist calling my spouse and my employer.
Product: Debt collection

ive asked PROFESSIONAL DEBT MEDIATION INC to validate this alleged debt and that have not been able to do so as well as ive sent them a cease and desist. They are absolutely violating the 15 USC 1692c ( c ) Ceasing communication - by reporting to my credit report they are attempting to communicate with me indirectly to get me to pay the alleged debt that they can not validate.ive asked FAIR COLLECTIONS & OUTSOURCING to validate this alleged debt and that have not been able to do so as well as ive sent them a cease and desist. They are absolutely violating the 15 USC 1692c ( c ) Ceasing communication - by reporting to my credit report they are attempting to communicate with me indirectly to get me to pay the alleged debt that they can not validate.
Product: Money transfer, virtual currency, or money service

Hi, This is a continuation of a complaint ID XXXX. Please reopen the case since I have new findings : This isnt about fraud, Its about a financial Institution that should have a fiduciary duty to customers. 
I flew to XXXX to meet with XXXX bank in person and further investigate the case. 

The customer care agent was totally understanding and willing to helpwithin the banking regulations of customer confidentiality. 

She confirmed that neither the address or the name of the beneficiary matches the account XXXX. Furthermore, she directed me to the branch location where the account was open. She advised me to meet with the branch manager. 
The branch location is XXXX bank XXXX XXXX XXXX XXXX XXXX The branch manger, XXXX XXXX XXXX confirmed the following : - The account name is not in the name of Cosal Interiors - The account address is not the one in Wise receipt. 
- The bank has never received any request or any corespondents from XXXX or any other financial institutions to return the fund. Even if it was directed to any other department, it would have arrived to him since the account is in his branch. He mentioned Have I received a request from the sending party, we would have refunded the amount since neither the account name or number matches the XXXX. 

He refused to send me the above in writing since Im not the account holder. However, he said that he can put that in writing if a formal request from the sending party was addressed to his bank through the proper channels. 

Based on the above facts. Please consider the following : - XXXX should have been acted as a fiduciary to protect their customers by making sure that the XXXX, address and account name matches what I provided. 
XXXX XXXX falsely claims that they have attempted to recover the funds but they never did. 
Please find a link to : - The branch manager business card : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX - Fax XXXX XXXX XXXX XXXX : XXXX -Videos of my conversation with the manager. Its in a bad quality but it its a best I could get. XXXX sure we can suppena him or depose him if needed. He doesnt speak English, his assistant was translating for him. 
XXXX XXXX XXXXXXXX? XXXX I appreciate looking at this case from a different perspective and not to treat it as a fraud case. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 for reporting agency can not furnish an account without my written instructions.
Product: Debt collection

They have called me 11 times since XX/XX/XXXX and its every couple Days I owe them XXXX medical debt that is about 3 years old. I keep Telling Them I am low income & dont have the money. They want XXXX month
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  XXXX account # XXXX  account # ending XXXX XXXX ( XXXX XXXX ) XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  account # ending XXXX XXXX  XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been your FAITHFUL CUSTOMER for SEVERAL YEARS and have ONLY 3 LATE FEES REPORTED ON MY CREDIT REPORT. THIS MAY BE DUE TO SO MANY FACTORS. I want to believe that the late fees applied to my account may have been assessed in error or under circumstances that warrant reconsideration. According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681a, which provides important definitions and protections regarding consumer reporting, I am exercising my rights under this law to ensure that my credit information is handled accurately and fairly.

Given the provisions under 15 U.S. Code 1681a and the broader requirements for accuracy and fairness in credit reporting, I respectfully request that you review my account and reverse the late fees that were improperly applied. It is essential that my credit history accurately represents my financial behavior, and I believe this action would align with the requirements set forth in the FCRA.
Product: Money transfer, virtual currency, or money service

I requested my newly changed legal name to be updated with the company " Binance.US '' in XX/XX/2021 in order to be able to file my taxes but I am not getting any support from the company at all. They didn't even need additional information from me other than to confirm whether I wanted to update my name or not. I still haven't heard back from them and it's already XXXX. I still can't file my taxes because of their inability to update my name.
Product: Debt collection

Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$41.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( XXXX ) from my report, immediately : Account : XXXX XXXX XXXX  XXXXy Amount : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection in the amount of {$230.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX XXXX XXXX and was in the XXXX. During this same period of time my wife also had to have XXXX. Both my wife and I were treated with participating providers with XXXX XXXX XXXX. We met all of our deductibles on the health care insurance plan and therefore there should not be any outstanding balance due. I have attached a copy of my insurance card for reference. First, I never received any Explanation of Benefits showing there was an outstanding balance due ; Second, it is outside the statute of limitations for XXXX XXXX XXXX  to process this claim ; and Third, it is outside the statute of limitations for payment. This billing error was not my fault. XXXX XXXX XXXX insurance billing department should have properly remitted the paperwork. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted customer service at XXXX XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

My account has been closed and I have not been able to contact any live person to resolve the issue. I submitted requested information as provided me and still my account was closed. There is no contact resource other than an email address and I have submitted daily emails for the past 3 weeks with no response at all. I have no money to live on, pay my past due rent now, buy food or pay bills. I am XXXX. Please help!