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

Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXXXXXX XXXX XXXX XXXX XXXX  ( the XXXX ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. 
Money was transferred from my account in the total amount of XXXX USD utilizing BOAs services. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether BOA did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of BOAs custodianship over my funds or by its control over them, they owed a fiduciary duty to me and if so, whether that duty was breached ; ( iii ) whether BOA promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether BOA was in compliance with its own policies and procedures ; ( v ) whether BOA owed duties to myself, what the scope of those duties was, and whether BOA did not uphold those duties ; ( vi ) whether BOAs conduct was unfair ; and ( vii ) whether BOA has within its power the ability to, and should, compensate me for the harm that has befallen me. 
Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is legally required to exercise the care and skill of a diligent, prudent banker. In this case, the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, BOA must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. 
All of the evidence suggests that BOA could have foreseen the fraud, and disregarded even the most obvious dangers in this respect.
Product: Credit card

On Saturday, XX/XX/year>, I was trying to make a purchase at XXXX for {$630.00}. I have over {$1800.00} available on my AVANT XXXX. 
The first time I tried the transaction, it was declined and I received an automated phone call asking if it was an authorized transaction, which it was, I answered and followed the prompts. I figured that after that, since I reported it as a legitimate, not-fraud, transaction, it would work. It didn't. Ultimately, I called the company XXXX different times myself, making a total of XXXX phone calls thus far, and they kept telling me that the card was declined for detecting fraud, but there was no card block. On the XXXX call in, I asked for a supervisor who told me it must be the fault of the merchant. So I called XXXX and they told me that the order I was trying to place was being declined by the card issuer. So I called AVANT back and told them this.They told me that the transaction was blocked for suspected fraud, but that the card was fine. I told them that they can't have it both ways. I even tried on XXXX of the calls to do the transaction while they were on the phone so that they could push it through. They said they could see it but could do nothing. So XXXX calls to the card issuer, XXXX call to the merchant, and XXXX incoming automated call from the card issuer and I still can not process the transaction. They said there's nothing they can do but they can submit my feedback and escalate the problem, but that will take 2 days for an EMAIL response. 
I previously had trouble with card declines with this card for no apparent reason, and even the card being deactivated when i tried to use it on a vacation, which took 10 days to escalate and resolve, and then had to have a new card issued after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment posted to my consumers report on the account XXXX Account numberXXXX late payment of XX/XX/2022. 15 usc 1666b there was no billing statement sent 21 days before the payment was due. The credit agencies has failed to validate information that is posted. Ive asked for this account to be verified and accurate all three credit agencies are reporting different balances ... and failed to update the comment section notice of my dispute.. The account has different scheduled payment amounts, no last activity, different closed dates. and term agreement. Ive sent the same dispute to each agency and no response of the " validation '' just verified with no supporting documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I already made a dispute about a Credit Card on XXXX XXXXXXXX XXXX Account Number : XXXX Date opened : XX/XX/2017. I never had a credit card with XXXX XXXX XXXX. Experian states that all information it`s accurate. But it`s not
Product: Checking or savings account

Navy Federal changed the yield on an open certificate from 3.5 % to 2.08 %. 

The 3.5 % was part of a promotion where if you have a direct deposit set up on a checking account, you would receive this rate. I set this up through my employer, and had multiple payroll deposits directed to my checking account ( # XXXX ). 

See deposits on : XX/XX/2019 ACH Transaction - XXXX XXXX XXXX XX/XX/2019 ACH Transaction - XXXX XXXX XXXX Navy federal is telling me that they don't count because they are ACH. When asking them to correct this, they responded : " Thank you for using Navy Federal 's eMessaging Service, Mrs. XXXX. Please be advised that the DDNP must be a direct deposit. Our records indicate that the funds are being sent weekly via XXXX. The direct deposit would typically come from an employer as part of your paycheck. If we can be of further assistance, please let us know. We thank you for choosing Navy Federal and  hope you enjoy your day. " " DDNP '' is an unclear, and misleading. What the XXXX does that actually mean? How can a payroll deposit, from an employer not be a direct deposit?
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a XXXX account XXXX my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX  Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about XXXX the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX have continuously disputed my credit report and have asked them to remove items that are showing on my credit report that are duplicate, charged amounts incorrect, name on accounts not correct, accounts have also been sold to debt collectors and they continue to change dates on the credit report accounts to show they are recent yet they are old accounts. 
The following have been disputed more than once. The credit bureaus will not remove. Please remove : XXXX XXXX XXXX  act # XXXX XXXX XXXX XXXX XXXX XXXXXXXX they are duplicate - 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: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
name of the account XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX
Product: Mortgage

I am a former Employee of US Bancorp ( US Bank ). I am concerned homeowners specifically in Texas are being unfairly targeted on the refinance of their homes by US Bank requiring every Texas homeowner to pay for a full appraisal. XXXX XXXX and XXXX XXXX allow appraisal waivers as long as a property/ loan meets certain criteria. On several occasions I witnessed borrowers having to get a full appraisal when one was not required per XXXX and or XXXX. At this point in the refinance process borrowers have already paid upfront fees including US Banks processing fee and credit report fees. These appraisals are costly sometimes in excess of {$600.00}. When I simply asked why appraisal waivers were not granted to homeowners in Texas there was no clear answer, only a vague response that US Banks system " would not allow it. '' Borrowers are not told upfront that their loan will require a full appraisal even if an appraisal waiver is granted by XXXX or XXXX. I do not feel this is a fair practice given that the borrower is unaware of this requirement and is unable to make an informed decision. It is also concerning that appraisal waivers are granted in every other state with US Bank but if you are in Texas you will not be given this cost saving option.
Product: Money transfer, virtual currency, or money service

{$80.00} taken out from two different customers without authorization when services were performed!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$1600.00}. XXXX off and on for years Wrong addresses Hard inquiries
Product: Money transfer, virtual currency, or money service

Issue Statement : In XXXX of this year, 2021, I filled out a support ticket requesting that Coinbase move my XXXX bitcoin from my vault into my account as I was unable to do so. I made this request as I was unable to identify the second approval email, thus making the vault inoperative and the content unavailable to me. 
On XX/XX/2021, Coinbase stated that they had successfully performed a transaction to move my bitcoin from my Coinbase vault into my account.

( XXXX and XXXX ) The referenced accompanying emails clearly state that Coinbase had successfully transferred the bitcoin from the vault to my account, making them available to me for further action on my part. 
However, since XX/XX/XXXX, when this transaction allegedly occurred, the bitcoin has not appeared in my account, and my account is listed as having XXXX bitcoin. 
The bitcoin was sent to an address which is not associated with my account, and Email-XXXX, states that it was sent to an address " you haven't previously used. '' When I inquired as to the whereabouts of the bitcoin, I was told to supply the Hash ID for this transaction. 
( EMAIL-XXXX ) I responded that since I did not perform the transaction, I had no record of the transaction or its Hash ID. 
The case was then closed without any explanation, and I was informed to open another ticket if desired ( EMAIL-XXXX ). 
On XX/XX/XXXX, I filled out another support ticket asking Coinbase to open another case and assist in tracking down my missing bitcoin. 
I received an email ( XXXX ), strongly intimating that I had made an inappropriate transaction and thus had lost my bitcoin through my own incompetence. 
Since the bitcoin is missing as a direct result of Coinbase staff action, I believe that Coinbase should restore the bitcoin that I previously had that appears to have been lost by their staff.

The accompanying emails include some lengthy header information, in case, their true origin may need to be tracked. 
Thank you for any assistance you can provide.
Product: Credit card or prepaid card

After honorably retiring from the military ( 20+years severed ) and another 16 years working as an XXXX in the corporate world. I as looking to find something I could do to earn money at home. After some research I received a email about an exciting and new way to earn money legitimately online at home. Initially for sign up and entry into the 21 step program a fee was required. It was advertised to bring big back end commission payouts with out handling any packages, talking to people or directly selling to the customer. Also once the customer signed up a phone sale team was present to handle all of your leads through process. The process was to guide the buyers through a funnel to arrive at the back end for the big payout earned, but first in order to sell the XXXX products a fee was required to buy the license rights to sell. The compensation for the largest payouts and your hard earned lead potential commissions to be pass by and above you, constantly up sold at every turn to position your self to get the back end payout you earned. The best and highest position at the time was to become a XXXX XXXX. A fee for each step XXXX, XXXX  and then XXXX, highest was required for best possible position for earning big commissions. The opening of the CiTi-credit card- XXXX in the amount of {$10000.00} was opened for this reason. To fund the amount of money needed for XXXX membership. Primarily we were guaranteed that this proven system would pay for the money invested with in the first six to eight months. The continued earnings of money ( income ) would then be used to reinvest and grow the company. However the proven system failed to produce what was advertised. Sales did not occur thus the ability to pay the card became increasingly difficult. I was told I would be making more at a rate enough to payoff my investment with in a year and continue to live a comfortable lifestyle. XXXX XXXX as we were advised to use was not cheap. I discovered FTC caught on to this companies operations and shut the whole company down ( see FTC attachments ) thousands of others effected. Close to an overall of {$110000.00} invested and a return of only {$4000.00} even with all the additional work I was doing like XXXX XXXX Ads, webinars and XXXX ads in addition to solo ads did not help. I need help! After shut down of XXXX, no service, no products I bought, licensing rights to sell those products, the phone sale team, coaching assistance, member network, website and it services non existent. I have used my savings and about to loose my home and its belonging, this has cause grave hardship and I am lost as to what to do. I need help asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has me locked out of their online dispute system to upload supporting documents to my complaint. On XX/XX/2018 I received an alert detecting there were changes in XX/XX/2018 from a certain banking provider. Navy Federal CU removed a good standing account and reported derogatory information left unresolved by Navy FCU fraud team in Virginia. 

I received another alert on XX/XX/2018 that my name was updated. I contacted XXXX and the call was routed outside of the United States to a Country whereas English is not their primary language in which the individual could not comprehend my dispute regarding other items I noticed decreasing my score without reading from a script. 

XXXX has me locked out of their online dispute system to upload supporting documents to my complaint. My credit score decreased 63 points.
Product: Credit reporting or other personal consumer reports

XXXX paid in full on XX/XX/year>. This company XXXX has reported this on my XXXX credit report, saying that I owe them {$460.00} dollars and that its XXXX  days past due Ive contacted them several times and they refused to remove it off my credit report. They reported it on XX/XX/year> as being XXXX  days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA has changed the status of an account that negatively affected my character, my mood of living, and my general reputation. I have been damaged as a result of their inaccuracy. XX/XX/2020 they listed a charge off item on my consumer report. I requested the Form 1099C. Santander Consumer USA clearly stated that the debt has not been canceled. If the debt is not canceled, why are they reporting an inaccurate account status on my consumer report? That is fraudulent in nature and under 15 USC 1681 s-2 Duty of furnishers of information, they are prohibited by law to report inaccurate information. I ask them several times to delete the Inaccurate information on my consumer report immediately. 

The IRS Clearly defines a charge off as Gross Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes Santander Consumer USAs reporting of the account inaccurate! A canceled debt must get reported as gross income on the tax return with the form 1099-C.

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. 

I have shown and given Santander Consumer USA several notices that they are furnishing inaccurate, incomplete, and incorrect information and by law they are prohibited to report such information. Therefore such inaccurate, incomplete, and incorrect information needs to be deleted off my consumer report immediately ; as well as send a copy of the form 1099-C. I have filed complaints with the Attorney General of North Carolina, the Attorney General of California, the Attorney General of Texas, the XXXX XXXX XXXX, the FTC and will be filing a complaint with the IRS. 

In conclusion I am writing to your office to please help me to resolve this clear violation of my consumer rights under the law 15 USC 1681 s2. The continued reporting of this inaccurate, incomplete, and incorrect information is causing me and my family severe harm due to Santander Consumer USAs negative reporting on my consumer report. Please help me to DELETE this inaccurate, incomplete, and incorrect information ( the charge off ) from my Consumer report immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report, which are the result of identity theft. Despite providing all required documentationincluding a police report, FTC Identity Theft Report, government-issued ID, and proof of addressExperian consistently responds within 24 hours stating that the accounts are accurate. This rapid response indicates that no thorough investigation was conducted, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes.

Experians failure to investigate these disputes has caused significant harm, including a lowered credit score, financial difficulty, and emotional distress. Their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

The following accounts have been inaccurately reported on my credit file as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the CFPB take immediate action to hold Experian accountable, ensure compliance with federal law, and require them to provide evidence of a thorough investigation into my disputes. Additionally, I request the removal of all fraudulent accounts from my credit report and written confirmation of these actions.
Product: Debt collection

I was notified by my credit monitoring services that my profile had undergone changes. It listed the agency and the total amount due of {$130.00}. 

This is reporting negatively and therefore dropped my score significantly. 

How can this company report negative information to the credit bureaus without making me aware of the debt FIRST? I have not heard from this company. This violates The Fair Credit Reporting Act!