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

On XXXX XXXX, XXXX I opened a coin base account and transferred {$5000.00} into my XXXX wallet within the account and purchased XXXX XXXX coins for {$3000.00}. After this I transferred XXXX back into my bank no problem. so now I am left with {$3500.00} in my XXXX wallet and about XXXX XXXX coins. After this for some odd reason I was unable to move my money from my USD wallet back to may bank and I was unable to sell my XXXX. whenever i would attempt to make a transaction within my account a message would appear : " Before you will be able to complete this withdrawal, you must provide additional information at https : //www.coinbase.com/ssn ''.  Then I proceeded to the link and provide my information. I provided my information correctly multiple times however, coin base system will not verify my identity even though I am who I say I am. So now after developing distrust with coin base my moved my XXXX to a different virtual wallet, but my XXXX is still left locked within my coin base account. Coin base has been terrible with trying to help me. they say their " specialists '' are taking a look into my case and when i ask them who the specialists are and where their offices are they have no answer. I would juts like my XXXX in my XXXX wallet back into my bank. 
Coinbase : " We have been experiencing a high volume of escalated cases recently and would like to thank you for your understanding and your continued patience while we review your account. XXXX # XXXX If your request is cleared, well send you an email. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a first time homebuyer and have had my credit score pulled by the three main credit bureaus -- XXXX, TransUnion, and XXXX -- through several lenders. XXXX is the only bureau that reported my correct social security number. 

Only one of the lenders we have considered going with doubled checked my credit score and found that it was incorrect on XXXX and TransUnion 's reports. I started a dispute with XXXX on XX/XX/XXXX. They claimed it got fixed online but I received no email confirmation nor could I read the PDF file they attached to my account. I called them and had someone help me " fix '' it over the phone. They claimed it got fixed on XX/XX/XXXX. I had my lender pull my credit again today on XX/XX/XXXX and it was STILL incorrect. 

I started a dispute with TransUnion and priority mailed the required information to them ( ID + social security number ). The number is STILL incorrect on the credit report. 

These two bureaus slowness in fixing my incorrect social security number is preventing my family from getting fully approved to buy a home. In this very competitive Utah market, it is making us miss out on great homes for my family ( including my XXXX XXXX XXXX wife ) because of their slow process. It's their fault we can not buy a home.
Product: Mortgage

Back in XXXX I was unable to pay the mortgage every month due to my spouse losing their job. So I tried to work with my mortgage company to either lower the payments or go in to forbearance. They either gave me thr run around or denied me in the span of amount XXXX. So we reached out to the MD Homeowner Assistance Fund And got approved to have out mortgage paid off but our Mortgage Company will not respond directly to their request. The only thing they were about to stop was our sale by date which was in XXXX. 

No matter how many calls I make to make the connection between the program and my more company it falls on deaf ears. They gave me an email and no one has responded to their request. 

This is very frustrating and it will be a year this XXXX.
Product: Credit reporting or other personal consumer reports

information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

There is an account reporting on my credit file with Equifax for a college I have never attended, applied to or had anything to do with. I have disputed this several times and they still reporting this on my file. I have never heard of XXXX XXXX University until it showed on my credit file. This is not mine and Equifax is doing nothing to resolve this mistake.
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 : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 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 or prepaid card

Consumer Financial Protection Bureau XXXX # XXXX Please see prior case number. Citi agreed that the charges are fraud but never reimbursed me. 
I have been charged three times and reimbursed either once or twice ( two transaction numbers but both for XX/XX/23 on different statements. 

Charged {$2000.00} on XX/XX/23 Charged {$2000.00} on XX/XX/23 Reimbursed {$2000.00} on XX/XX/23 ( XXXX - XXXX statement reference ID ) Charged {$2000.00} on XX/XX/23 It is possible that I was reimbursed twice on XX/XX/23 as I have a line on my XXXX statement and my XXXX statement with different transaction IDs ( XXXX is the reference for XXXX ). However, I can not get a view where I can see both together so it may be a duplicate. Regardless, I am still waiting for at least one reimbursement.
Product: Credit reporting

After I reviewed my free credit report, Experian billed my credit card for credit monitoring services without my approval. I never subscribed to their services. They said it is in their terms and condition for viewing the free credit report. How can something be free if they make you pay for it and then bill you monthly. Trial membership that requires someone to call and cancel the membership should be forbidden.
Product: Credit reporting or other personal consumer reports

I requested for a Hard Inquiry to be removed from my Credit Report as I have no knowledge of this, and it was not my doing. The Hard Inquiry in question is the listed XXXX XXXX, requested on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED THE CREDIT REPORTING AGENCIES AND LET THEM KNOW THE INQUIRIES IN THE DOCUMENT INCLUDED BELOW ARE NOT SUPPOSED TO BE VISIBLE ON MY CONSUMER REPORT. I NEVER GAVE THEM WRITTEN CONSENT TO REPORT THEM. THESE INQUIRES WERE NOT AUTHORIZED BY ME AT ALL. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have written a letter years ago claiming I know nothing about the XXXX card, when I found out about a credit card debt. I wad advices by the store manager to write a letter to remove the information from my account. 2yrs later, its still reflective. i found the number affiliated to th3 debt collection and was told to write a letter so they could discharge it which was this year XX/XX/2019.
Product: Checking or savings account

I 'm reporting a new fee charged for mobile deposits by PNC BANK. Once you deposit your check using the mobile app, they ask you if you want the money available right away for a {$16.00} fee. Otherwise you have to wait until the following day. I think it 's disgusting and grossly overpriced and predatory because if you 're having an issue with your account you feel like you have to make the deposit.
Product: Checking or savings account

PNC will not allow us to link our bank account to payroll companies in order to have the account verified in an expedient manner.
Product: Debt collection

Phones on several occasions wondering why my insurance didnt pay. It was an emergency room visit and tests were done. Phoned my insurance company and they asked for the paperwork to be sent again with details about why they did the tests. Since I was in the hospital my insurance or XXXX XXXX XXXX should have paid.
Product: Credit reporting or other personal consumer reports

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( i ) ( b ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with my legal counsel for suit. This includes listings of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within XXXX XXXX XXXX  from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


XXXX XXXX PARAPHRASE : I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF XXXX BY SILENCE, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXIST
Product: Payday loan, title loan, personal loan, or advance loan

American First Finance ( AFF ) is a predatory lender that targets poor and vulnerable people, XXXX XXXX XXXXXXXX, the elderly, etc. to extract as much money as they can. They make it almost impossible to make a payment. You can only use your bank account or debit card to pay. No credit cards, not even XXXX XXXX or XXXX. Then, you are forced to make a " payment arrangement. '' They will either not take your payment at all, or wait a good week or so to take it, causing you to overdraft and rack up late fees and additional interest. A quick XXXX search shows AFF has been the subject of much litigation. I have spent hundreds of additional dollars each month, trying to get caught up, however, no amount of effort on my part makes a dent in my balance. I have given up and am strongly considering bankruptcy as an option. However, AFF should really waive everything and bring my account current. And accept payments. I am a Veteran, and this is no way to treat people who served their country.
Product: Debt collection

On XX/XX/2021 I was alerted from the credit bureaus that my account went into 30 day late payment status for the month of XXXX. Which was reported by XXXX XXXXPrior to this incident I have not had any late payments with this institution. 
I tried contacting Barclays Bank on several occasions speaking several different representatives as well as supervisors asking them why was I reported 30 days late to to the collection bureaus? They all have told me that they wasnt responsible for reporting me for a late payment and that it was in-fact a issue that I needed to address to The XXXX, and that they could not help me.In the meantime my actual credit report for the month of XXXX clearly states that it was indeed reported 30 day late by XXXX XXXX . 

At that point I proceeded to contact the XXXX XXXX and spoke with several representatives as well as supervisors and explained my situation to them.They then informed me that my account was paid to date, as well as that they do not have any affiliation for collections of payments from Barclays Bank with my account.They said that they have an entirely different institution connected to my account for collection of payments and that is the only institution that they have on file for me.They also informed me that they did not report me to the credit bureaus for late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$31000.00} XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX Inquired on XX/XX/2023 2023
Product: Consumer Loan

I spent over an hour on the phone with Wells Fargo attempting to make payment for a small loan taken out on an engagement ring. I made one payment via credit card about two weeks ago, and called back today to attempt to pay the remainder of the loan ( approximately {$1500.00} ). 

Wells Fargo flat out refused to accept payment. They told me that they would not allow me to make a payment using my credit or debit card until my account went delinquent, allowing them to hit me with exorbitant late fees. Surely it ca n't be legal for a major banking institution to literally FORCE customers into delinquency by refusing to accept payment? 

I spent nearly an hour on the phone trying to make this payment. I was transferred to six different people, including two individuals in the executive office, who all fully refused to accept my payment. They told me that the only payments they would accept are by linking my personal ( non Wells Fargo ) bank account to their service and allowing them to make automatic deductions as they see fit. 

I refused to do that on the grounds that my previous dealings with Wells Fargo were similarly predatory. They refused to close a bank account I had open from my time in the military. I went to the branch in person before I was discharged, withdrew all funds, and told them to close the account. A year and a half later, I found that they had kept the account open, and had been charging me increasingly steep " maintenance fees '' ever since. They refused to close the account unless I went back to that branch, in person, and requested it again. I had already moved to a completely different state. I had no choice but to default on the debt. 

Given their previous incompetence and/or predatory services, combined with the recent news that they had been pulling similar gambits for years, opening accounts and filing charges under other peoples ' names without permission, I absolutely refuse to authorize this bank to make withdrawals from my primary bank account, and I do n't think that 's unreasonable in the slightest. The only method of payment that I am comfortable with is using a credit or debit card, so that I may monitor and dispute any charges that I did not authorize. 

Yet, this bank will not allow me to make payments. Even though they previously accepted a payment via debit card, they are now telling me that they will not allow me to make a payment on my loan unless I first let my account go delinquent. Surely this can not be legal? I am making every attempt to make my payment in safe terms -- how can they be allowed to refuse to accept those payments? How can they be allowed to literally force my account into delinquency, saddling me with steep fees and absurd interest payments ( 30 % per month ... ) My payment is due by XXXX XXXX. I do n't know who else to turn to, here. All I want to do is pay my bill.
Product: Checking or savings account

Navy Federal has frozen my account. I can not withdraw, transfer, or use debit card. They have locked me out of my account and I have no access to my funds. This is because loan is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX
Product: Checking or savings account

Hello someone wrote a check to me for a job that I got and I guess the check I deposited the account was closed. I went to get my XXXX dollars out for car repair this morning and it would not let me. They closed my account because of a check that someone else sent me. It was bank of america
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS :
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not mine and i never stayed at the apartments. I told them that they have commited Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

also this agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Received a new letter for an increased amount of XXXX Citibank in XXXX closed my XXXX  account, and still has yet to respond to my initial complaint. 

This is XXXX on a person with XXXX. This is also not acceptable due to my status as a XXXX  public official ( past ).