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

My wife and I entered the branch office the day after attempting to set up accounts using the online portal and specifically requested they close the accounts we attempted to set up. We were told that even though they were set up online they had to be canceled in person at the branch. They are refusing to do so and are charging us fees. 

We get daily emails and texts. ( example ) Hello, Your account nicknamed XXXX has a - {$25.00} balance as of XX/XX/XXXX XXXX XXXX XXXX. Please make a transfer or deposit to bring your balance above {$0.00}. For the latest on how Huntington is looking out for you during this difficult period, go to huntington.com/coronavirus. Thank you for banking with Huntington. 

This is the letter we handed the teller. ( The teller attempted to hand it back but we insisted she keep it. ) To Huntington Bank : Pleased be advised that after the online set up procedure and phone calls to the support desk we have determined not to move forward with opening any accounts with your bank and are terminating any and all that have either completed or are in process. The checking account number is ( redacted ). The credit card has not been activated to the best of our knowledge. The savings account was created and 'lost ' during the setup. Hard to say because the web interface lets you set one up but the phone support says it SHOULDN'T have allowed that. That and other issues encountered give us serious concerns about the ability of Huntington to keep our account and information secure. As a result we are insisting all accounts be closed and all of our personal information be deleted from your systems and we receive written confirmation of the completion of process by XX/XX/XXXX. I'm sorry this didn't work out. 
Sincerely XXXX XXXX XXXX XXXX So far the only thing we have received are emails telling us we owe them service charges on an account we insisted be closed. 

How can your complaint be satisfactorily addressed? 
They can honor what we asked of them.
Product: Prepaid card

In XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I Contacted This Company Because My Monthly Government Benefits Was Loaded on My Card As THEY Are Every Month, I Tried Using My Card And All Transactions Would Not go Thru, I Contacted The Company And I Was Told That There Was A Restriction on My Card And I Couldn't Use it, I Asked Them Several Times WHY I Couldn't use My Card And What Was The Restriction? THEY Told Me They Couldn't tell me What was The Restriction And/or Why It Was A Restriction Which Doesn't Make Any Sense at All, THIS is Now XXXX XXXXXX/XX/year> And My Money is Still on My Card And I Still Can't Use it, This has Caused me to get Evicted From My Previous Residence Because I Couldn't Access The Funds to Pay Rent So Now I'm Being Forced to Live With Family Members..
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 60 - 90 DAYS 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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking  fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and I noticed negatives on my report that shown as reporting old debts as new, update credit paid account not processed. So, I started a dispute online only to get no where with this! I called the dispute department and spoke to XXXX  told him the situation that the creditors are not reporting accurate information and not update paid account. In front of me I was logged on to Experian viewing what they had place on my report. After talking he said he could not help me this was a membership dispute! I told him this is not correct to speak to membership on dispute when I had followed the online directions to the dispute department with Experian. I said all right I will speak to them so, I did. In membership I spoke to XXXX and we went over the problem and he said this was a dispute problem not membership. I told him that I did mention this to the dispute department. Then XXXX transferred me to dispute once again. The minute I spoke to XXXX I requested a Supervisor to handle from here on she said maybe I could help you with this! I told here that I was tired of having to be toyed with this that she will be given same result not get anywhere with this. She decided to further the problem by not transferring me to a Supervisor she started to investigate the problem and the result came the same could not help me. Then I was frustrated with them stealing my time and my health in trying to correct a simple corrections that they could resolved over the phone. I was on there website viewing there posted information on the report I did mention to them that how could they not see what Im seeing!
Product: Checking or savings account

I attempted to deposit two checks through SunTrust 's mobile deposit on their app on XX/XX/19. I was immediately notified of a hold being placed on one check, a personal check. For the second check, a cashier 's check, I received an email saying it would process on that same date, XX/XX/19. My account was frozen the next day and with no notice to me. I called them the following day, XX/XX/19, to inquire why I could not access my account and they told me it was under review and that they could not disclose any other information but I should get a letter in the mail. The next letter I got in the mail was in reference to the two checks and it told me those funds were both subject to hold but would be available on XX/XX/19. On XX/XX/19 I called again to find out the status of my account and was told it was still under review. I spoke with someone on XX/XX/19 who informed me my account was closed and they had mailed a check with my balance and that balance did not include the two checks that I had attempted to deposit through mobile deposit. I was told those checks were still on hold because of suspected fraud and they did not have a time those funds would be released but it could be months later. I asked them to attempt to get a better idea of how long it would take and she said she would try to pass that request along. I called again on XX/XX/19 to see if there was an update on my two checks and there was not. Also this supervisor told me this could take up to a year to resolve and once this had been passed on to the fraud department it did not have to be within the 9 days laid out by the Expedited Funds Availability Act. These two checks are under {$1000.00} each and it has been 17 business days since my attempted deposit and 11 business days after they said the funds would be available.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX DOB XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$15000.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$11000.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Opened : XX/XX/XXXX Account name : XXXX XXXX Amount XXXX : XX/XX/XXXX XXXX name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX Amount XXXX XXXX name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX  Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Amount Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance of my student loan has been paid from XXXX of 2012 to XXXX 2015 of a total of {$23000.00}. 

In XXXX and XXXX of 2015 the payments were late and shows on my credit score.
Product: Money transfer, virtual currency, or money service

Coinbase.com, who also owns XXXX froze my account on XX/XX/XXXXafter a payment was reversed for cryptocurrency I was trying to buy ( picture attached ). The original Coinbase reference code to this issue was XXXX.

I reached out to customer service to have my account unfrozen after the failed transaction would taken care of and was quoted 5 business days to get it fixed. I have had absolutely no information from Coinbase since the date of the issue and absolutely no contact sinceXX/XX/XXXX.

After absolutely no contact, I reached out to try to have my case escalated and it was apparently " escalated '' after having no contact well past the given timeframe.

I have called Coinbase directly 10+ times and given absolutely no additional information or support, and told there is absolutely no supervisor or other person I can talk to beyond the customer support agents that pick up.

My Coinbase and XXXX  accounts have been locked with funds in them since XX/XX/XXXX. I have experienced a HUGE opportunity cost because my entire portfolio is frozen and I've been given absolutely no options or support - they also refuse to give any sort of timeframe to resolve this.

At the time of writing this, they have held my entire portfolio for 45 days with absolutely no contact and refusal to offer me any solution when I contact them.
Product: Credit card or prepaid card

I made a purchase from Ashley XXXX on XX/XX/XXXX for some tables for XXXX dollars and I was told that they will only charge me when I pick up the items. On XX/XX/XXXX I picked up the items but when I looked at the Ashley credit card by synchrony bank it showed several pending transactions which I never authorized and the charges were for XXXX dollars and XXXX dollars and XXXX dollars which all were unauthorized charges and have been pending charges since last XXXX XX/XX/XXXX. I called synchrony bank Ashley credit card and I talked to their customer service and I told them that these pending charges should be deleted and they should have been dropped a long time ago but they did NOT fix the issue and now I have several pending charges for things that I NEVER bought and I never authorized. Ashley credit card by synchrony bank should delete all the pending charges on my account because I did NOT buy anything and I never authorized these charges. I am already billed XXXX dollars for the items that I bought and there should be NO other charges at all and NO pending charges at all
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has a closed account that's not mine on my credit file for the amount of {$860.00} this is not my account I have no knowledge of this account I have filed a police report an sent in information to these Credit Bureau it was opened fraudulent
Product: Checking or savings account

On XX/XX/XXXX I was a victim of identity theft. My phone, email, bank accounts, social security number were compromised. After speaking with XXXX and XXXX, we believe that my phone may have been cloned.

During this, the thieves used my information to log into my online banking and place a wire transfer to an unknown account of {$24000.00}. I notified Wells Fargo of the fraudulent transfer, and closed my accounts with them and obtained new account numbers and debit cards. Upon placing the fraud alert with Wells Fargo, I was told it would be investigated and I would hear from an investigator within 10 days days. 

Having not heard from them, I called customer service today XX/XX/XXXX at XXXX for an update where I was informed that the claim was closed by the investigator and the wire transfer was confirmed and completed. They said they attempted to reverse the wire transfer but were unsuccessful. I did not receive an answer when asked why the investigator never spoke to me and all they told me is that they would put in a request for them to contact me. As of now I still have yet to speak to a fraud investigator.

I received a call from customer service regarding my earlier call to go over the findings and was told that since the thieves authenticated using my stolen information, there was nothing they could do because they proceeded under the assumption it was me. That agent did, however, tell me that the investigation showed that the user operated using a VPN for my general area to access the online banking, and it was shown that it wasnt my usual IP identification, yet the transaction was not flagged as suspicious and continued to go through. I have set daily limits of {$5000.00} on my accounts which I assumed protected me over such a large theft, but apparently that does not apply to online wire transfers. That limit is {$25000.00}, which is why the thieves transfered {$24000.00} and not the full amount of my remaining bank account. 

When I asked the customer service agent for the information of the account or person the money was transferred to so I could include it in my police report, I was told that to protect their identity, they couldnt access or disclose that information. They put a request in for me to have that and was told someone would call me back within 5-7 business days.
Product: Mortgage

XXXX XXXX XXXX was my original mortgage During the pandemic I apply for a forbearance assistance and I have accepted when the assistance ended they offer me a trial payment which I accepted But at the time to do my first payment the sold the loan to a shellpoint mortgage and the new mortgage took over so I did the payment with the new mortgage company on time for 3 consecutive months so I was approved for a modification on my loan but they report me those 3 payment as late payment and every time I call to try to get this issue fix they said that because my original payment with the old mortgage was a different amount they reported like that And they dont honoring the trial period that I was approved
Product: Debt collection

The gentleman, XXXX XXXX, who calls has done so numerous times regardless of blocking, speaking to him/them, and calling them back. I have called them back and asked for verification of debt. They could not provide that. The recordings and the communication from the " company '' are threatening. I have called back on " off hours '' and it rings nearly 20 times before rolling to an " old school '' answering machine. It is XXXX XXXX 's voice on the recording which is interesting if this is supposedly a company -- even their cover story has holes. He states it is " MAC  ''. Which may be this company? The number and XXXX have been reported to CFPB. 
https : XXXX The voice message claims a debt and threatens with legal action, arrest, etc. When speaking to them they claimed information from well over a decade ago that was actually paid and was from an account that was closed YEARS ago from XXXX  XXXX XXXX. 

Number they ask you to call back is : XXXX
Product: Credit reporting or other personal consumer reports

Wrote a letter and disputed information on my credit report, I don't even think they investigated anything, because of the lousy fraudulent response " The company that reported the information '' so who might that ghost unknown company might be? as you see information being reported is not matching whatsoever.
Product: Debt collection

Called family members claiming I used them as reference on credit application, asked them for my Social Security Number and address.
Product: Checking or savings account

i have already filed a complaint XXXX over a month ago. I have reached out to the contact person multiple times. XXXX XXXX resolution specialist at Bank of America XXXX he will not return calls. This is unacceptable. I have been a long time customer carry sufficient balances and i have been pushed to the side. I have contacted XXXX XXXX office as well. I beleive there is senior financial abuse and would like all my accounts to be looked into. All i want is confirmation that i withdrew XXXX from my account in XXXX. And if they can't produce it I want my XXXX put back in my account. This has been going on since XXXX of 2022, and everyone at Bank of America seems to hand it off to some one else from the branch to escalation department and now to resolution department.
Product: Money transfer, virtual currency, or money service

K so one of my emails got hack password changed and kicked me out completely took pictures of me my kids my wife banking info and my XXXX was hacked as while could not get it back for two and a half weeks so I decided to check my pay pal and I see 8 to 10 luge transaction of money going offshore amounts of XXXX XXXX XXXX and there are probably 4to 5 more transactions so I made new email did a data breach report said I was breach like46 times or more and that XXXX XXXX was moved in my name so I made two more email and been hack both times so I have a report out now but a lot of it seems like I being me to be a non us citizen but that's not true was born in United states of America new york
Product: Debt collection

A debt buyer named Vance Huffman reported on my credit for XXXX XXXX XXXX. Stated account was opened XX/XX/XXXX. XXXX Never had a payday loan with XXXX XXXX XXXX. I haven't cashed a check there since XXXX. I received nothing in writing. There is no contract. I've been incarcerated since XXXX in Colorado. Company refuses to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am filing this complaint with CFPB. Pertaining to the inaccuracy that is reporting from Experian Credit Bureau. I have submitted a dispute concerning the inaccurate personal information being reported on my credit file. The inaccurate information is violating my civil rights. Under the FCRA, 15 usc 1681 per federal law as it pertains to 100 % complete accuracy.

I am demanding that all the old and outdated inaccurate information be deleted. Other than my personal information contained in this complaint. I request that all the other information be deleted. All, variations of names, addresses,
dob 's, phone numbers from my personal information.

See attached listing of copy of personal information to be deleted by Experian Credit Bureau. Also, delete my social security number, alone with my phone number, and dob for security reasons
Product: Debt collection

TitleMax is calling me about someone elses dept. Someone used my name and number as a refference without my promission. I've asked them several time to do not call me because I didn't give that person promission to us me as a refference, but they still keep calling me almost everyday asking me to contact the person that owes them money and have them call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- Based on these alleged facts, the Complaint asserted a single cause of action for violation of California 's Automobile Sales Finance Act. The Complaint also alleged that XXXX XXXX XXXX was liable for XXXX XXXX 's conduct because it was the assignee of the XXXX XXXX Several XXXX XXXX companies violated consumer protection ... would be waived or forgiven if they accepted certain settlement offers Equifax : n XX/XX/2017, Equifax announced a data breach that exposed the personal information of 147 million people. The company has ...

other Major violations : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies XXXX XXXX XXXX XXXX XXXX inquires : the dealership violated institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] ... information from the consumer report will not be used in violation of any applicable Federal or ... 

XXXX  XXXX XXXX XXXX XXXX is fair debt violation XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX ftc violations XXXX XXXX wife was affected also same above ss last 4 is XXXX