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

Dear Sir/Madam, On XX/XX/XXXX, BOA froze my checking account ending in XXXX. I reached out to the BOA and found out that it was a business decision they took to freeze my account but they wouldn't close the account and release my money ( tax refund and stimulus money ) till the issue with my other checking account ending in XXXX is closed. Basically keeping my money XXXX in the account XXXX. 

Regarding XXXX, we suspected fraud activity on this account on XX/XX/XXXX and the account has been in the credit only state since then i.e. XX/XX/XXXX. The balance in that account was {$190.00} before it went into credit only state. Now the balance is XXXX cents due to all the BOA holding fees. But BOA is not able to close this account due to fraud transactions ( XXXX XXXX  ) always in the pending/processing status. I have spoken to Fraud dept multiple times in last XXXX months, they just not able to block these fraud ACH transactions but told me not to worry about it as the account is in credit only state, the transactions wouldnt post but they wouldnt be able to close this account with transactions pending. 

I have been calling literally everyday since XX/XX/XXXX. On XX/XX/XXXX i was told there was no pending transaction on XXXX account yet the risk and closure dept wouldn't close the account due to pending review. Risk and closure dept keep giving me tentative closure dates and then push the dates out. When I ask, I just get told they can do that its per the contract I signed before opening the account. 

At this point, I'm out of sorts and frustrated. Your immediate attention regarding this issue will be highly appreciated. 

Thanks, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All is being investigated by the FTC and CFPB. According to FCRA XXXX this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Original account with XXXX  XXXX XXXX is not showing on my credit report. I begin this account with XXXX XXXX XXXX XX/XX/2016. When the contract was amended my original balance reporting to credit bureaus changed which I dont understand why that would have changed if I was only changing the payment to monthly instead of biweekly. In front of my original account number they added 1A and closed the original account, but failed to report the original data. Instead XXXX XXXX XXXX begin reporting the amended contract and stopped reporting the original contract.
Product: Debt collection

i was called by someone named XXXX from XXXX XXXX threating to report to my authorities for a car warranty that I did not buy. Threatened to call call my place of employment as well. I call blocked her but she continued to call me from other numbers. 
Her numbers are XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED FRAUDULENTLY TO OPEN ACCOUNTS THAT DO NOT BELONG TO ME THESE ACCOUNTS LISTED WAS OPEN BECAUSE OF FRAUD ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT REPORT THAT SOMEONE ELSE USED MY NAME AND SOCIAL I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX   CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

I sent {$50.00} to PENFED Credit Union in November 0f 2021 for membership in the credit union, along with membership, routing, and account numbers, received from PENFED, but I was never able to log in, so I was told that they could not verify that I was who I said I was. 
They had my money with the information supplied to me by PENFED. This log in problem lasted more than a month, I specifically asked for a return of my money and a termination of any and all business with PENFED. I was told that it would take a week.IT 'S BEEN months. 
I want my {$5000.00} dollars back and no further contact with PENFED.
Product: Checking or savings account

The Big Banks are at it again. They are deliberately manipulating my checking account and debit card to generate overdraft fees.
Product: Money transfer, virtual currency, or money service

This is my second attempt with Cfpb to resolve this issue with Coinbase. This has been an ongoing issue with the company. 

I have been trying to log into my account to sell or trade my assets for some time. Several months ago, I contacted Coinbase chat support to assist me in this matter. The agent told me to create a new account and submit a ticket, so I did that. Now, I have two accounts : the old account, XXXX, and the new account, XXXX. 

I also created the second account to buy currency to pay for a service on another trading platform. However, Coinbase flagged the new account because I already had the old one. I contacted chat support several times last month and this month, spending three or more hours trying to get restrictions lifted on the new account or access to the old account. 

During one of the sessions, I was told to send images of the problem, including an email link showing the reset button not working. I was also instructed to send my passport to verify the new account and my old passport for the old account. Additionally, I had to send the last four numbers of my old phone number, which I had to research. After all this, nothing was resolved. I was just told to close the old account and forfeit my assets if I wanted to keep the new one. I did not want to lose money, and I have already missed opportunities to build my account. 

I was told to look out for an email with updates from support, but nothing ever happened. On the last call on XX/XX/XXXX, I spent another four hours submitting screenshots of the same issue I have been dealing with for eight months. Finally, the chat support agent said he would make a note to higher support and that they would email me back, or I could call their contact support number. 

I called the number for the 50th time, and it directed me to go to Coinbase support and chat with a live agent, which is what I have done. I see no real end to this. I have lost money and the chance to increase my assets. This is not fair. I was finally told to close my new account because I am not allowed to keep two. Now, they have my assets and my data.
Product: Credit reporting or other personal consumer reports

Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : Account Name : DISCOVER BANK Account Number : XXXX Disputed Late Payment Entries : o XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX With discrepancies It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive.

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the most recent CFNB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initial available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally file a complaint against XXXX XXXX regarding the handling of my account, which ends in XXXX. Despite having paid off the account, XXXX XXXX has erroneously reported that I was delinquent on this account. This reporting is inaccurate, and it has negatively impacted my credit score and financial standing. 

Additionally, XXXX XXXX sent me a letter acknowledging that they made mistakes on my credit report due to a technical error. In the same letter, they stated that they would correct the issues on my credit report. However, no such corrections have been made to date, and the inaccurate information remains on my credit report. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX XXXX corrects the errors on my credit report and takes responsibility for the harm caused by their negligence. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

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

I recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from  XXXX .
Product: Credit card or prepaid card

WE WERE SCAMMED BY A COMPANY CALLED XXXX XXXX BACK IN 2011. WE PAID THEM {$500.00} XXXX AND {$490.00} XXXX. THIS COMPANY TOOK ADVANTAGE OF US AS SENIOR CITIZENS. THEY DID NOTHING FOR US AND REFUSE TO REFUND THE MONEY WE PAID.WE TRIED TO GET THIS MONEY REFUNDED BY OUR CREDIT CARD COMPANY AND THEY HAVE DENIED THE FRAUD CHARGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXX XXXX XXXXXXXX ( XXXX ) XXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXX and I will attach the documents. Also, the amount that XXXX is reporting is not correct. The correct amount that the original creditor gave me is {$510.00} so why are the credit bureaus allowing incorrect information to report on my credit report? Also, this account has been re-aged and should not be reporting according to FCRA. I also contacted XXXX and they stated that they do not add interest or fees to its accounts so where is this incorrect balance furnished from? The account I had with XXXX XXXX was in 2017. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.
Product: Credit reporting or other personal consumer reports

I asked Equifax on four occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Equifax did not complete an investigation, nor had communications of results or said investigations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Product: Debt collection

On XX/XX/XXXX I came home and had a court ordered document taped on my door for everyone to see. I was out of the State for a few days because of a family emergency so I am just receiving the notice. I was never contacted by phone by a constable. I left to go out of town on XX/XX/XXXX that afternoon and it shows on the document that it was left on XX/XX/XXXX at XXXX. I was never served by the constables or by certified mail. I live in an apartment complex which anyone has been able to walk by and see the documents with personal information on it. We are in a pandemic right now which funds are very low because I am a single mom. I am being sued by XXXX XXXX which Walmart is the original creditor. The amount I am being sued for is in the amount of XXXX. A few weeks ago a lady came to my door and wanted me to open but refused to identify herself. I live alone with my son and I am taking every steps to avoid being around anyone who is sick with COVID-19. The lady kept telling me I needed to open the door so she could  hand me a document but I told her that I needed to know what this is about and there is no way I'm opening my door for a random person. I asked if she could leave the document and she refused. So again instead of me being properly notified meaning by certified mail or by a constable the court document was taped on my door with personal information and for the apartment complex to see. 

On the court document it says that the petition was filed on XX/XX/2020 but papers was left on my door on XX/XX/2020.
Product: Mortgage

Gateway mortgage left out taxes on my monthly payment to make me qualify for a loan. This is the second time they have done this to me. I bought a home with them in XXXX and they left out school taxes and mudd taxes. I only found out months later after receiving notices my payment was going up and I was required to back pay. I recently bought a new home in XX/XX/XXXX and they did it again. I thought the first time was an accident but then it happened again. My new mortgage payment is now more than I am able to afford and I am being back charged for the amount they left out in closing. I would have not agreed to the mortgage if I had known the actual payment amount. This I believe was manipulation of my ability to pay to force qualify the loan. They have since changed names and I can not get anyone willing to help. They sold my account before my first payment. That also seemed to have a purpose.
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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: Money transfer, virtual currency, or money service

I have opened a Coinbase account last year and had go through a few transactions before it was unabled. Previously, I still able to withdraw, deposit and buy from the account. However, since last XX/XX/2017, I faced this issue for not able to do anything with the account such as buying, withdrawing and depositing. I just want the money to be out from that account so that I could pay for my expenses. I have contacted Coinbase support team so many times, and they told me to wait until the Specialist looked over my case. They even say I was at the highest priority level but until today, they still have not solve my issue. I also saw many comments about the same issue in XXXX and have posted my issue there. Also, I sent several personal message to the coinbase staff through XXXX since they did replied to some of the comments in the post. Unfortunately, no one response to me. This issue has been up for more than 5 months since last year and I really want it to be solve.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXXXXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information on my file. I recently learned that my personal information was used to open an account at FRANKLIN AMERICAN MTG. I did not open or authorize this account