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

Case XXXX Still unresolved... Still can not retrieve or use my funds on COINBASE! 
Again have had my account for more than 5 years and now for over 5 months I have been unable to retrieve, buy or sell my holdings on coinbase as it states my account is under review. Its been under review for 5 months evrn after opening a case, I am still unable to access my funds that is why I am opening another case. 
PLEASE HELP! 

Thank you XXXX XXXX
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX 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. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$6900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. 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.
Product: Checking or savings account

Unauthorized Withdrawals from My Locked Account Dispute Denied I am filing a complaint against Capital One regarding unauthorized withdrawals from my checking account despite my account being locked at the time. 

On XX/XX/XXXX, I was expecting to receive a payment. Instead, I received an OTP ( One-Time Password ), which I mistakenly thought was part of the payment process. The sender used the OTPP I provided to withdraw {$450.00} from my account. They also attempted multiple unauthorized withdrawals, sending me several OTPs. 

I had already locked my account to prevent fraudulent transactions, yet the unauthorized withdrawal still went through. If my account was locked, how was this transaction approved? I immediately reported the fraud and filed a dispute with Capital One, but my dispute was wrongfully denied I am requesting the CFPB to review my case and hold Capital One accountable for failing to protect my funds. I demand a full refund of {$450.00} and a proper investigation into why withdrawals were allowed from my locked account. 

I have attached proof of the OTP messages, transaction details, status to support my claim. 

Thank you for your time and assistance. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my federally protected XXXX rights to privacy and confidentiality. under 15 USC 1681 has violated my rights 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 Castrucions 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 intormation Anv other adverse item of information, other than records or 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 reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX CARD Account number : XXXX Account name : XXXX AUTO Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XX/XX/year> XXXX CARD XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1681 section 602 A.States i have the right to privacy.it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I owe past fees on my student loan account with Navient ( XXXX ) in the amount of {$320.00}. I received instructions that I could submit a separate payment and designate the total to go to either the fees or the principal balance ( since this was a separate and extra monthly payment ). When I sent in the extra payment for the amount mentioned above, a portion of that payment went to satisfy the balance mentioned above and the rest went to interest ( about XXXX % of the payment ). When I called to request the payment to be re-allocated to the fees balance, I was told that this was not possible, that the interest needed to be satisfied first. I feel that I was mislead by the instruction initially given to me by Navient, by the Navient website for only mentioning that I owe the {$320.00} for the fees, and by the payment specialists not being able to satisfy my request. This was an extra payment that was submitted. The interest should apply to the next time I make my monthly payment. This feels like Navient is double dipping when I make extra payments to catch up to my outstanding balance ( in a good faith effort ). Everything I looked at that showed what remaining past due balance I had did not mention that a portion of my payment would go to interest. Had I known that, I would have adjusted my payment. That 's why I feel I was mislead. I 'm requesting that the portion that went to interest be re-allocated and fully applied to the past due fees balance. Thank you for any assistance you can provide.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX XX/XX/XXXX TRANSUNION SOLUTIONS XXXX XXXX XXXX XXXX, PA, XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute errors and request an investigation into the accuracy of the information. 
The specific item ( XXXX ) I am disputing are as follows : XXXX. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( XXXX  payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter. 
If the disputed item ( XXXX ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an item on my credit report resulting from fraud that I did not authorize and from which I received no benefit. I have already reported this issue to the Federal Trade Commission, but the item still remains on my report. This inaccurate and fraudulent item is unfairly impacting my credit standing, and I am requesting its immediate removal. It is essential that my report reflects only accurate and authorized information, and I am relying on this matter to be addressed promptly to restore my credit integrity.
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 assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

When Costco changed from XXXX XXXX cards to Citibank Visa, the balance from XXXX was switched to Visa without notice. When first Citi Visa statement was received, there was a late fee. Several other friends/relatives had same experience. Just received latest Citibank statement that included late fee and interest. Our bank transferred funds to Citibank XXXX/XXXX/17 as the statement had XXXX/XXXX/17 due date. Customer Service rep said the bill was actually due XXXX/XXXX/17 in spite of due date XXXX/XXXX/17 being clearly printed on statement. They reversed charges upon complaint, but many customers wo n't bother to complain. Believe Citibank practices are a scheme to defraud customers. Fraudulent business practices likely result in many XXXX of dollars loss to customers annually.
Product: Mortgage

I am a 100 % service connected Veteran, and in the state of FL this makes my property tax exempt. I have confirmation of NewRez receiving my tax exemption on XX/XX/XXXX and again on XX/XX/XXXX. They still continue to collect hundreds of dollars every month that I do not owe. On XX/XX/XXXX XXXX XXXX with NewRez told me that if I get her my XXXX tax notice with the non-ad Valorem taxes she would work with the tax department to correct it. I instead got a bill showing my mortgage going up. I called again yesterday and today. No one is willing to correct it. XXXX XXXX who identified as a supervisor in the tax department started threatening me as soon as he got on the line. They are mismanaging my VA loan and illegally charging me more than what I owe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Barclays Regarding XXXX Late Payment Reporting Dear Sir/Madam, I am writing to file a formal complaint against Barclays Bank Delaware concerning the inaccurate XXXX XXXX XXXX XXXX late payment on my Old Navy Barclays credit card account ( Account XXXX XXXXXXXX XXXX. I believe that Barclays has unfairly reported this delinquency, despite having clear evidence that the delay was due to circumstances beyond my control and that I took immediate action to rectify the situation as soon as I became aware of it. 

Details of the Incident : XXXX. Circumstances Leading to the XXXX XXXX : o I recently moved to a new address and changed my email address, which led to a disruption in receiving my billing statements. 
o XXXX to this move and the change in contact information, I did not receive my billing statement for the payment due in XX/XX/year>. 
o As soon as I received an alert from my Experian monitoring program on XX/XX/year>, regarding a delinquency on my account, I contacted Barclays and spoke with an operator ( XXXX XXXX XXXX XXXX ) who informed me of the missed payment. 
XXXX. XXXX XXXX Taken : o Upon realizing the missed payment, I made the full payment immediately on XX/XX/year>. 
o I provided Barclays with proof of my change of address and email, and the payment made to settle the account. 
XXXX. Request for XXXX : o Despite my prompt action and explanation, Barclays has refused to remove the XXXX late payment from my credit report. 
o Given my excellent credit history and the fact that this was an isolated incident caused by communication issues during my move, I believe that Barclays should have taken into account the mitigating circumstances and removed the late payment from my credit report. 

Impact on My Credit : This inaccurate reporting has negatively impacted my XXXX XXXX, which is unjust considering my history of timely payments and responsible credit management. 
XXXX XXXX : I am requesting that the CFPB intervene to have Barclays remove the XXXX late payment from my credit report and ensure that my credit history accurately reflects my payment behavior. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue promptly. 

Yours sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/19 I was alerted to potential fraudulent charges on my Wells Fargo checking account by Wells Fargos fraud alert system. Upon communicating with Wells Fargo, it was determined that approximately {$4000.00} in fraudulent transactions had been made on my Wells Fargo debit card and a fraud claim was filed. Less than a week later, Wells Fargo has denied my fraud claim and refuses to disclose why.
Product: Debt collection

Demanding that these fraudulent accounts to be remove immediately. This is violation of my consumer rights, and defamation of my character. Attached is the ftc report Portfolio recovery XXXX XXXX
Product: Debt collection

My wages are being garnished from Performant Recovery. They will not work with me or return phone calls about a payment plan. I have talked to at least 5 different people and they all tell me something different.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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   Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I completed a letter to all credit bureaus on inaccurate reporting for several accounts on my credit. They are reporting 3 different dates/years on charge off accounts. I requested for the credit bureaus to delete the account. The initial response was verified. I have also provided screen shoot within my letter from XXXX XXXX. I am submitting a second notice for the removal of the inaccurate charge off accounts.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to rectify inaccuracies in my credit file. Despite repeated efforts, the incorrect address and unauthorized inquiries persist, negatively impacting my credit report. 

I initially submitted a dispute, and since then, I have tirelessly attempted to correct the inaccuracies through your established dispute resolution processes. Regrettably, these efforts have been met with little success, as the issues remain unresolved. 

My credit report continues to display an inaccurate address that is not associated with my current or previous residences. This misinformation poses a threat to the integrity of my credit profile and may lead to further complications, including potential identity-related issues. 

There are multiple unauthorized inquiries on my credit report that I have not initiated. These inquiries are not only inaccurate but also raise concerns about the security and privacy of my personal information. 

I have submitted the required documentation, followed the appropriate procedures, and communicated with your representatives on numerous occasions, providing all necessary details to rectify these errors. However, despite my persistent efforts, the issues persist. 

I request an immediate and thorough investigation into these matters. I insist on the prompt removal of the inaccurate address and unauthorized inquiries from my credit report. Additionally, I expect a detailed written explanation for the continued presence of these errors and the measures being taken to prevent their recurrence. 

These inaccuracies are not only affecting my creditworthiness but also causing undue stress and inconvenience. I trust that Credit Bureaus takes these concerns seriously and is committed to providing accurate and reliable credit information to consumers. I am asking for your assistane to remove the fraud items in my credit file : 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: Checking or savings account

On XX/XX/22 I deposited {$270.00} into an atm at a us bank location. My money was taken into the machine and I received an error on the screen and a receipt stating that my money was not deposited to my account. I have called multiple times to us bank and have been told many different outcomes and assured my money would be placed in my account. To this day it has not been and I feel like the bank is scamming me. I have a receipt to provide details from the atm.
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  has violated my rights. 

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 reporting, credit repair services, or other personal consumer reports

I have reached out to all XXXX credit agencies but was not resolved. I have been violated according to the laws of the FCRA which states, " I have the the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information, I have the right to ask that a consumer reporting agency block that information from your file. '' I have filed a report with the consumer federal trade commission as well and I have attached that report to this complaint as well.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accout XXXX. XXXX {$380.00} XXXX. XXXX {$1000.00} XXXX XXXX {$3700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have FHA mortgage for 5 % with bank of America since XX/XX/XXXX. XX/XX/XXXX I had foreclosures on small land for {$25000.00}. Three years after foreclosures I went to Bank of America to apply for refinance ; 15 years mortgage, 3.0 % interest rate at that time. They refused to refinance because my foreclosures was less then 7 years. I know now that FHA mortgage needs only 3 years after foreclosures. They intentionally lied to me so they can charge more interest rate for many years.