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

I log on to FHB.com daily to monitor and manage my checking account. I also keep a separate independent log of every pending/current transaction that I know of Today XX/XX/year> I had 1 payment credit that was due to post to my account as well as 1-3 transactions that were due to be charged against the account anywhere from today to Thursday the XXXX. All of the transactions were executed against the account today, but there was enough to cover everything because I have been keeping track of it. Upon further investigation it appears that all charge transactions were executed first anywhere from XXXX to XXXX this morning and then the scheduled payment credit to my account was processed dead last, which allowed the XXXX payment to momentarily overdraw the account causing it to incur the {$30.00} NSF fee just before the {$32.00} account credit was to post. The FHB banking system is supposed to or normally has a grace period function that is supposed to delay fees like this for this very reason to give the account balance and transactions time to reconcile, but it did not occur in this case. 
Since this is clearly not my fault I am requesting that the {$30.00} NSF fee be reversed and restore my balance to it's rightful positive balance state. 
Another issue occured on XX/XX/XXXX where a small deposit of $ XXXX resulted in a post transactional balance that was {$0.00} less than what it should have been. I checked my balance just before entering the branch and then again later when I noticed the discrepancy. I have multiple alerts in my notes about this showing exactly where it occured and that I am not wrong. I chose not to mention it until now because of this {$30.00} NSF and did not feel like initiating a complaint over {$0.00}, but now is the time for it to be mentioned. 
I have attached excerpts from my notes and the deposit slip. I am requesting an account credit of {$0.00} for this as well.
Product: Checking or savings account

I was the victim of a scam.i received an email promoting mystery shopping and i responded to the e-mail.about two weeks later i received a XXXX  envelope with a letter that was on XXXX stationary and a check for {$3300.00} that had a company name of XXXX  XXXX  XXXX XXXX XXXX XXXX ny.and the check was drawn on valley national bank also in XXXX  ny XXXX the letter had instruction that stated.i was to cash the check and after the check had cleared i was to go to the nearest XXXX and purchase ( 3 ) {$1000.00} blank money orders.at this time i did not know it was a scam.when i deposited the check i was a little apprehensive, but when i checked my account about three days later the check had cleared the bank.so i withdraw {$3000.00} from my account thinking everything was good.and i was understanding that a bank will not clear a check and give you cash with out verifying that the check is good when you only have a balance of {$26.00} in your account. now the bank realize they made a mistake and now they are trying to collect that {$3000.00} through their collection dept. can you help me resolve this problem?
Product: Mortgage

On XX/XX/XXXX I went into the Wells Fargo customer portal to increase our monthly loan repayment by {$320.00} from XXXX to {$1400.00}. I logged into the portal and established this new payment amount to be auto-paid monthly from my checking account. I have always had auto-pay set up since I purchased this apartment. 

In XXXX of XXXX, I receive a notification in the mail that payments had not been happening and that if I did not remedy this, the apartment would go into foreclosure. This was the first notification I had received about the payment issues. I had received neither mail nor phone calls nor digital communications ( email ) about this issue, and there was no alert messages in the Wells Fargo portal to notify me of this issue. As soon as I received this letter I immediately called Wells Fargo and paid the overdue balance ( some {$7000.00} ) and asked what had happened. 

They claimed with zero proof that I had not set up recurring payments. This made no sense to me as I already had a recurring monthly payment established I was simply increasing the payment per month. I have always paid my monthly mortgage on time for YEARS and it makes no sense that I would increase a payment to only default on the following months of payment. I asked them why they had not reached out to be prior and they had no response. I asked them to look into the issue from a technical error issue and they never followed up. 

This event is now impacting my credit report and I've spoken with Wells Fargo about helping me remedy this issue, but they say they can't do anything. I 100 % believe that this is an issue with Wells Fargo 's website and customer portal.
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. 
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. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 results 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.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Bank account or service

I was a victim of fraud. I am a XXXX. I was contacted through the Internet by a group that said they were a non-profit healthcare agency and they wanted me to edit a pamphlet on XXXX by an author whose native language was not XXXX. It was a legitimate piece of work. They said they were sending the check to pay for it ( {$200.00} ), and then told me they wrote the check for the wrong amount and asked if I could send them the difference. I asked why they did n't stop payment on the check, and the answer was the usual garbled flakiness you hear from a non-profit. When the check came I took it to my bank, with whom I had a 20+ year relationship. They usually give me immediate credit for any check, no matter how large. They said they wanted to hold this XXXX for 24 hours so they could make sure the money was actually in this company 's account, and when the funds were released, I could take the money out. I waited, the funds were released, I transferred {$2300.00} to the non-profit 's account, and then the check bounced. 
The bank took the {$150.00} in my checking account to apply to the arrears and said I owed them {$2100.00}. That 's a huge amount of money for me. I 'm on the wrong end of the age scale and have been trying to get a fulltime job since 2008. I live on social security and what I can earn XXXX and doing XXXX. I 'm barely making the ends meet. At the bank 's direction, I filed a police report and they also investigated. They determined that fraud had actually occurred, but are insisting I pay the money back to them, even though their teller told me that when the funds were released, it meant that the bank had determined the funds were really in the specified account. 
Please contact the XXXX XXXX, MD Police Department XXXX XXXX at XXXX and ask for XXXX. The case number is XXXX. They have all the pertinent documents in the file.
Product: Debt collection

Contacted XXXX to figure out a way to settle previous debt of {$200.00}, talked with executive office whom told me they have a collection agency they use. The collection agency bill total amount is actually more the reported amount.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report, and I noticed a few things wrong with the bankruptcy listed. First the account listed below should show to be included in the bankruptcy listing but they are reporting inaccurate information. 
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, the following accounts has violated my rights. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

SOMEONE STOLE MY INFORMATION AND COMMITTED FRAUDULENT ACTIVITIES ON MY ACCOUNT. CAN YOU PLEASE REMOVE THESE HARD INQUIRIES ASAP. 
THANK YOU SO MUCH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed inquires that I have never made and sent letters to the Equifax with in a certified envelope to remove these inquires that are not mine if not provide me verification that these are mine.. I received a letter back stating that these inquiries are Verified. Verified means the credit reporting agency must provide me proof of verification that show my signature on an application of other documentation. Equifax did not provide any documentation and is now putting false information on my credit report which I will file a lawsuit against Equifax if these false inquires are not removed. 

Equifax has had numeroud data breeches and now fails to correct there mistakes which is key in a lawsuit if these accounts are not removed for false inquiries. 

The letters stated " Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

XXXX  - XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting

I would like to state that Equifax is reporting a lot of duplicate account from XXXX XXXX XXXX XXXX to my account. XXXX XXXX confirmed this as a fact on my previous dispute against their company. Equifax has refused to delete all the duplicate account of XXXX XXXX accounts. I hereby authorized Equifax LLC to release validation of their proof on reporting inaccuracy to my credit profile to the Consumer Protection Bureau immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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  acct # XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX lender XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX transunion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX transunion 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

To whom is may concern, Coinbase Case Number : Complaint # XXXX On XXXX XXXX, I completed a deposit to my Coinbase wallet of USD XXXX} and the funds never posted to my Coinbase account. The USDT Crypto was sent from my XXXX account via the XXXX network vs the XXXX network which was in error. Though the crypto was transferred via the incorrect network, the funds were still deposited in the correct Coinbase USDT wallet which can be confirmed via the following txid : XXXX XXXX XXXX Coinbase is a public company and has the capacity to resolve the matter and post the deposit to my account and is choosing to ignore my requests for assistance. I have submitted over 12 general requests for assistance and submitted a formal complaint/ request which has gone unanswered. Coinbase will not provide the necessary key to recover the funds myself which leaves me seeking other means of holding them accountable. I am not the only investor that this has happened to and if Coinbase is to remain a public SEC regulated entity, they will need to do better. According to an independent investigator, the funds are not lost but Coinbase will need to properly investigate and resolve the matter. They need to pull the the deposit from the XXXX network and redirect to my Coinbase wallet. I would truly appreciate assistance in holding Coinbase accountable and getting my funds back. 

Thank You, XXXX XXXX
Product: Debt collection

On XX/XX/scrub>/2024, I sent a formal letter to XXXX XXXX XXXX respectfully asking the account to be verified, immediately, by providing proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

No information was provided to me from the company, pertaining the alleged originated debt. I simply as the company to provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. XXXX ) A complete XXXX XXXX calculation of this balance, including the complete transaction history on this account, so I have proof that the amount is correct. XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation showing I gave you permission to have my information. XXXX ) A copy of your state license, including license number that gives you rights to collect in my state. XXXX ) The purchase agreement. XXXX ) Swear under penalty of perjury you were present during the alleged debt. In the company 's initial response on XX/XX/year>2024, they stated ALL the documents I'm asking for is in their possession. I never received such proof. 

On XX/XX/year>2024, I sent another formal letter to XXXX XXXX XXXX, requesting to cease further communication, since they were unable to provide sufficient evidence of this alleged account of mine. Again, exercising my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) ; a consumer has the right to request a debt collector cease further communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - incorrect info - was paid due to insurance theft for truck backed by secured loan - was paid in full never in collections remove from credit
Product: Money transfer, virtual currency, or money service

I was depositing a check from XXXX because he said that he will pay for an item that Im selling through XXXX with a check. A few days later, I got a phone call from my bank saying that the check was fake and because of that, the bank rejected the check and I was charged an additional fee.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2024 Equifax XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX Dear Equifax I am writing to dispute the validity of a debt that your company is attempting to collect from me. This letter is a formal validation request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ). 

I am requesting that you provide me with the following information : XXXX. The original creditor 's name and address. 
XXXX. The amount of the alleged debt. 
XXXX. Verification of the debt, including any documents that prove I owe the debt. 
XXXX. A copy of the original contract or agreement that created the debt, if applicable. 
XXXX. The date the debt was incurred and when it was assigned to your company. 
XXXX. A complete payment history showing all payments made and any charges or fees added to the account. 

I am also requesting that you cease all collection activities until you have provided me with the requested information. Please note that failure to provide this information within 30 days will result in my assumption that the debt is not valid and must be removed from my credit report. 

I would also like to request that all future communication regarding this debt be done in writing and sent to the address listed above. I do not wish to receive any phone calls regarding this matter. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe. 

Sincerely XXXX XXXX XXXX XXXX All rights reserved XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports I noticed accounts that I didnt recall. My information was compromised and sensitive information as well as personal items and devices were at risk. I would like removal upon investigation of : Bridgecrest XXXX And also any original documentation used to open this account, ID, signature, credit card
Product: Credit reporting or other personal consumer reports

My accounts have been charged off over 3 years ago however they are still being erroneously reported. 

The accounts are attached to XXXX XXXX for the following amounts : {$14000.00}, {$11.00}, XXXX reporting to XXXX, XXXX and Equifax. 

Reporting to XXXX for {$4300.00} 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

Duty : A moral or legal obligation ; a responsibility Accurate : correct in all details ; exact Prohibition : A law of regulation forbidding something As defined by The Internal Revenue Service ( IRS ) Even if you didnt receive a Form 1099-C, you must report canceled debt as a gross income on your tax. 
The IRS clearly defines a charge off as Gross or Ordinary, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By definition the IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s- 2 says XXXX XXXX XXXX XXXX is a furnisher of information to a consumer reporting agency. 
You are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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. 
You are hereby put on NOTICE that you are furnishing incorrect inaccurate. 
The lender must file Form 1099-C and send you a copy of the amount of debt canceled is {$600.00} and the lender is a financial institution, credit union XXXX Federal government agency, or other applicable entity as discussed earlier... 
The above paragraph is taken directly from IRS publication
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the accounts listed below & they told me I've never missed a payment, yet Experian, XXXX and XXXX refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian, XXXX and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$24000.00} XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX DateOpened XXXX. XXXX, XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX, XXXX Balance {$1800.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> someone opened a account in my name with Avant LLC/ Web/Bank I've called and talked too them numerous times and was told that they would take it off my credit and still to this day it is still there this wrong because i never opened this account period. It has a balance of {$1100.00}. I need you all too help me remove this off my credit please thank you all for you work. Their contact ( XXXX ) XXXX and or ( XXXX ) XXXX. Their address also is XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> transunion was notified of the identity theft and has not acknowledged the alleged identity theft. I am requesting the accounts to be removed per FCRA 605B.
Product: Money transfers

Back on XX/XX/XXXX, I wired some money to my cousins bank account using western union, when my cousin went to the bank on numerous occasion 's to get the money, she was notified by the bank that the money was not there, I contacted western union about this and had an investigation done. since then, the money has still not been picked up by my cousin and the bank confirms that the funds are in the account, but they keep telling my cousin that the money is not there. Her account is currently closed and the bank refuses to furnish western union with the proper documentation needed to refund my money. it has been over 30 days with no results.