23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have had a Coinbase/XXXX account for approximately 8 months now, as of XX/XX/XXXX my XXXX account was locked with the message " Attention required! Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact XXXX " when i reached out to support via email or phone all i am being told is that a specialist has to unlock my account but no one can tell me exactly when that would be. I have read reddit and see i am not the only one having this problem, some people claiming to be waiting upwards of 60 days. I had asked for them to write me a check for the amount owed to me which is around {$6900.00}, I do n't have the exact amount due to not having access to my account. But was told nothing could be done till the specialist unlocked my account. Its going on a month that i am unable to withdraw my funds, i would think it would be borderline illegal to be doing so. Without making a valid attempt to retrieve my account and get my assets back into my possession! Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Re :  XXXX   XXXX  finance loan Opened on  XXXX   XXXX ,   XXXX   Talked to the lender many times and have sent a copy of my grandmothers death certificate because the loan is in HER name and still, they have not removed the debt from my report or stopped trying to collect on it.
Product: Credit reporting or other personal consumer reports

I am asking CFPB to address this complaint and do a through investigation of Comenity Bank because they placed a HARD INQUIRY illegally with NO Permissable Purpose. 
on my XXXX credit report. 
Comenity Bank sent me information in a letter from their office dated stating that they sold accounts that I was disputing to XXXX XXXX in ( XXXX ). ( Screenshot Attached ) Therefore, Comenity Bank is in violation of the FCRA and because they Pulled my XXXX on XX/XX/XXXX they have commited a very serious violation under the FCRA. 
They had No Permissable Purpose to pull my XXXX Report on XX/XX/XXXX because the letter from their office clearly states they sold accounts that I was disputing in XXXX. 
I have submitted screenshots of their letter stating they sold the account ( s ) in ( XXXX ) and a screenshot of the hard inquiry that they pulled on XX/XX/XXXX as well. 
Again I am asking CFPB to investigate this situation and provide me Monetary Relief. 
Thank You in advance.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action. 

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Auto Account Number : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 

Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem.
Product: Debt collection

ATTENTION TO AARGON AGENCY INC ( 01 STOR AMERICA ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$310.00} does not belong to me. This account was fraudulently opened through this company AARGON AGENCY INC in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting or other personal consumer reports

Hey To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely, unauthorized credit inquiries : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

RECEIVABLES PERFORMANCE at XXXX XXXX XXXX XXXX XXXX, WA XXXX has been sending me collection notices in the amount of ( 816 ). the collection has been reported as past due balance. I do not know this company. this company does not have a contract with my signature. they threatened me to damage my credit history.
Product: Credit card or prepaid card

on XX/XX/XXXX Bank of America put a hold on my card for one {$120.00} charge from a company called XXXX that was selling XXXX XXXX merchandise on XXXX. I took hold off thinking nothing just the bank is being cautious with a new vendor. Later that day and into XX/XX/XXXX my card was charged by a company called XXXX XXXX times with XXXX additional international transaction fees totaling {$15000.00}. At no time during this did Bank of America freeze or put a hold on the card. XXXX actually charged the amount {$48.00} a staggering XXXX consecutive times and that amazingly didnt raise a red flag. When I realized this on XX/XX/XXXX I immediately called the Fraud department and filed a claim. I was assured my account would be corrected and to please be patient. in XX/XX/XXXX I received a letter rom XXXX XXXX XXXX basically blaming me for it because I was responsible for the XXXX charge and they are the same company as XXXX. I believe Bank of Americas negligence far outweighs mine and it is unfair and unacceptable that they bear no responsibility and expect me to pay for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card Services closed my business account cc. They received a letter from some attorney in MI notifying them of taking control of an account. Discover closed my account in error. I contacted Discover and spent over XXXX  hour trying to convince them it was someone else. My credit dropped XXXX points. They realized it was their error and opened my account. My credit was lowered XXXX points due to their error. The following week my personal Discover card was also closed. Again, my credit score was lowered an additional XXXX points. I spent another XXXX hours on the telephone trying to get some assistance. Eventually my account was opened and my credit was still affected by XXXX points. I requested from Discover a letter copying me to all 3 credit reporting agencies stating they closed my accounts in error and that my credit was in good standing. I requested a formal letter of apology from Discover for my files. I have received neither. This occurred the week of XXXX XXXX. The error on Discover 's part and not of any of my own actions has caused a serious affect on my credit score. What can be done? How can my credit score be corrected? What is Discover 's responsibility?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017 I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with XXXX, Transunion, and XXXX. I even submitted a letter from the US District court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.
Product: Student loan

On XXXX XXXX I recieved a letter from Heartland ECSI threating to send me to collections for not setting a payment plan with them. When I called them the lady on the phone was extremely rude and told me that I could only pay {$720.00} a month was my lowest payment option. She also said that conneting to my back account that would make it easier to automatically take my payment.As a student who works a minimum wage job at a restraunt and has two unemployed parents who can not aide me with any of my school payments simply because they can not afford it is impossible to help me whith what I owe monthly. As of today, XX/XX/XXXX I call Heartland ECSI again with the same lady whom I talked when I first called and complained about my situation. She said there was nothing she could do and that I would have to contact the school. I told her that I wanted to talk to someone who would help me better in her facilty only for her to give me that phone number of my school which did not answer my call. I am servely upset that they took advanage of my situation and held it against me if I did not do what Heartland ECSI wanted me to do.
Product: Checking or savings account

Our law firm uses Citibank N.A. for our banking. There are only two signatories on our account. Citibank negotiated a check made out to someone who has no signing powers on our account. The check was signed by this same person. We don't know who he is but suspect he is an employee of the shredding company that had that very day picked ; up boxes of documents from us fro shredding, including blank checks. 
Citibank very officially opened a fraud investigation and just closed it, claiming we had not lost any money. I want them to investigate how the bank permitted this non-signatory to submit a check for payment to himself. We also think that the bank should have referred the matter to the police.
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 : XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$6400.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXXXXXX .... Balance : {$4400.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX
Product: Debt collection

I took my XXXX to the dealership ( XXXX XXXX ) on 4 separate occasions during the months of XX/XX/XXXX - XX/XX/XXXX. Each time they indicated they had repaired my vehicle. However the check engine light continued to illuminate after I would leave the dealership. 

The Operationa Manager ( XXXX XXXX ) promised me a refund in XX/XX/XXXX ; however the {$810.00} never credited to my account so in XX/XX/XXXX I disputed the charge. 

The {$810.00} should not be paid to XXXX XXXX because they never repaired my vehicle and they tied to induce me to spend an additional {$2500.00} to make other repairs. After taking my vehicle to XXXX XXXX ( XXXX XXXX ). They made the repair for {$450.00} and its been 2 months and the check engine light has not reappeared.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXXXXXX CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX, TX. XXXXXXXX CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX, TX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, MO. XXXX XX/XX/XXXX RE : XXXX XXXX XXXXXXXX To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under VIN # : XXXX are disputed. 
The vehicle in question was purchased on or about XX/XX/XXXX, financed by CAPITAL ONE AUTO FINANCE, repossessed in the state of Missouri, and sold by XXXX XXXX XXXX on or about XX/XX/XXXX. 
Under the laws of Missouri and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.

If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.

Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. 

XXXX XXXX RE : Social Security Number : XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters and debt validation letters on XX/XX/2021 and XX/XX/2021 in regards to WELLS FARGO account number XXXX. The date last reported is inaccurate across all three credit bureaus. According to 15 U.S. Code 1679c. A consumer has the right to dispute and correct an inaccuracies found on their credit report.
Product: Credit reporting or other personal consumer reports

attempting to get small loan .They Ran credit w/o permission..and I have inquries... I was unaware they never told me they would run my credit..I 'll never let this happen again through a 3rd party company, The Attorney said reach out to credit agency, ..actually told me to call ... .also view attached letter
Product: Payday loan, title loan, or personal loan

They charge fees that are illegal in Colorado.
Product: Checking or savings account

Capital One closed my account without warning or explanation, leaving me unable to access the $ XXXX balance in my account. Despite repeated inquiries, I have not received a check or any clarification about the status of my funds. This lack of communication and failure to return my money is unacceptable. I request an immediate investigation, a detailed explanation, and the return of my funds.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Mortgage

In early XXXX I began the process of refinancing my mortgage. The old mortgage company, Zions Bank, confirmed that they received funds and marked the loan as paid in full on XX/XX/XXXX. The old mortgage had a positive escrow balance in excess of {$8500.00} that needs to be returned. As of today, XX/XX/XXXX, I still have not received the refund for the funds held in escrow. After speaking to the mortgage company onXX/XX/, 30 days after they were fully paid off, I was told by them that they prepare a check for the refund at 20 days after the loan is paid off. They said that they need 16 days for the check to be received by me. They have not told me how much the refund is only that they mailed it on XX/XX/XXXX. After I mentioned the CFR regulation that I believe applied in this instance and which they did not appear to be compliant with, I asked them to escalate the matter and to put me in touch with their legal department to inquire why the refund had not yet been provided. They had a customer service person contact me onXX/XX/21instead of someone who could address my specific inquiry but he said that refunds were not his department and he would have to ask that the matter be escalated and would get back to me soon. 


From what I can tell by reviewing information on your site, 12 CFR 1024.34 mandates that the refund should have been returned within 20 days. It was not. I contacted the bank and asked them to speed up the process or deliver the funds by directly depositing them into the account that they required me to set up at the bank to allow for automatic payment. They say they are unable to transfer the money and can not wire it either. It appears as though the bank is trying to use my money as long as possible before returning it. Even the notion that I should expect 16 days from the time they mail a check until I receive it is preposterous. The bank does not give me the option to make my mortgage payment 16 days after its due date to account for mailing time and it should not be afforded that additional time either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Verbal agreement with a third party debt collector ( XXXX XXXX XXXX ) to  pay an account in full and they would remove it from my credit reports. I paid them in full ( {$190.00} ) on XX/XX/XXXX and after over a year the tradeline is still reporting on my XXXX & Equifax Reports. They have continually fought against removing the tradeline even though they originally agreed to do so. Disputes with all three credit bureaus led to only XXXX deleting the tradeline. I filed a complaint here with the CFPB and their response was " CFPB referred complaint to the Federal Trade Commission on XX/XX/XXXX. '' I have also informed XXXX XXXX XXXX, XXXX, and Equifax that they are all in violation of Texas Finance Code Section 392 which states : ( a ) A third-party debt collector or  credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}.
The TDCA applies not only to professional debt collectors, but also to any person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. TEX. FIN. CODE 392.001 ( 6 ), MEANING XXXX & EQUIFAX