23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not yet approached the company about this as I hadn't the time as of yet but we will get around to it before the week ends. As is our long time personal experience with this this company, they are difficult to deal with at best so we thought it was best to deal with this simultaneously. 
The mortgage loan was placed on a forbearance for the Pandemic, as many people were doing with mortgages. I was forced to take a cut in salary for a few months as many were if they didn't outright lose their jobs and my XXXX  is on XXXX. We were technically on one income. 
We went into it in XXXX of 2020. We were on it for over a year and a half as we were granted a few extensions etc. When it was time to go back to paying we had a very hard time as this company refused to give us a straight answer on what our payment was going to be. We finally got back on track after a lot of negotiating and back and forth and agreed to terms, accepting the modification. At no time during all of this were we informed by this company that we were going to considered late and marked late on my credit report. Never did we expect this. We were on a forbearance. XXXX. Hardship that was approved. We just pulled my credit report as I was denied a modest personal loan and discovered that this company actually had me marked late. They marred my credit.
Product: Credit reporting or other personal consumer reports

There are credit inquiries on my credit report that I don't recognize which is very alarming, it's making me XXXX  which is adding unnecessary XXXX and having XXXX XXXX on my XXXX well being.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 I failed a 2 factor authentication for my Coinbase.com account. I had changed my phone number, and had not changed it on Coinbase, and proceding a hard reset of my phone I was no longer able to access my account. 

Since this date, I have filed numerous tickets, and called at the customer support number at least 7x. 

The entirety of the interaction is " we have assigned a specialist to this case ''. It is XX/XX/XXXX and I have not been given any indication that I may access my digital securities. 

I have completed all security checks, identification verifications, and have even created a new account at their behest to " transfer funds '' over to. 

I do not know what to do, as this is a considerable amount of my wealth and savings- and not having access to it is beginning to affect my standard of living.
Product: Checking or savings account

I deposited a check from my new employer of {$25000.00} on XX/XX/XXXX. Prior to that I deposited another {$5000.00} check on XX/XX/XXXX from the same maker. Chase bank then restricted my account on XX/XX/XXXX ( day the funds where supposed to be available ) because I could not provide them with a " verified phone number '' from the maker of the check. The funds where already cleared on both sides and the bank still denied releasing the funds, there is no verified number with this company as it was just established in XXXX of XXXX  and the CEO does not have a business phone number. I have offered to go into a local branch WITH THE MAKER of the check in which he could provide ANY and ALL information showing he is in fact the maker of the check however that was denied??? This seems totally unethical and extremely illegal.
Product: Checking or savings account

On XX/XX/2023, I received a check written in my names from a company that wanted me to offer data cleaning services. They asked me to bank the check and use money to buy a list of software that were to be used in the process. 

On the same day, XX/XX/2023, I banked the check on my account with my bank, Capital one Bank NA. 
A few hours later, my account was blocked and the bank asked me to contact them on Tel : XXXX. I contacted the bank and told them my story of how it all went, and I was told that the check was suspected to be a bad check and that i could have been a victim of an online employment fraud. 

I told then to do the right thing to save us from fraud and they asked me to go through a process of self identify/verification online so as to to remove a restriction on my account. They reps told me that their systems were down twice and on the 3rd call, I was told that the bank has decided to end my banking relationship with it.

I do not know why I had to be punished by the bank to close my account since I was not in anyway involved in writing the allegedly bad check and was only a victim of the alleged fraud. 

I am therefore requesting that you investigate, and where possible reversible the bank decision to deny me my banking rights for a fault that is not my own. I have all the evidence, including communications with the people who sent me the check and covering letter with instructions on how to handle the said money. 

I have attached a copy of the banking slip and a package materials that came along with the check- also showing the tracking number. 

Thank you for your assistance.
Product: Checking or savings account

BB & T refused to revoke authorization for an ACH debit to IRS as requested under the Coronavirus Tax Relief - People First Initiative. 

I first sent 2 emails through the online portal and then called in to customer service. They had not heard of the tax relief so I read the information to them from IRS.gov. 

The representative consulted with her supervisor and advised they could not revoke authorization because it was not initiated in their bill pay system and stated the only option was to do a stop payment for {$35.00}. I declined the stop payment and advised I would contact CFPB for assistance. 

The representative proceeded to process the stop payment and charge the {$35.00} fee without my authorization.
Product: Debt collection

The billing company for XXXX XXXX XXXX known as AAC has refused to close a membership account despite being given both a written 30 day notice and a verbal notice. I called to first give verbal notice that my account needed to be cancelled as I have been put on bed rest due to pre term labor. I was then informed a verbal notice was not enough and told to respond to an email to give "written" notice. I did as requested and was under the impression my account had been terminated . Now through a number of harassing emails I am being told I am to pay an additional $XXXX  fee for services that I have not received after the discontinuation date of my membership. I have informed them I will not pay for services not rendered and they have continued to threaten me through email with additional fees for non payment on a CANCELLED memberhsip.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft multiple times, I have been a victim of multiple data breaches where my information was leaked by XXXX, Equifax, and XXXX 
As a result of irresponsible handling of my information has lead to new fraudulent accounts being opened and fraudulent transactions taken place. All have been reported. I have filed disputes over the fraudulent material and XXXX is the only reporting agency who refuses to remove all the fraudulent accounts from my credit report. Other agencies have removed some of the accounts but not all accounts. Again there are fraudulent accounts on my credit report that XXXX claim are my responsibility. They are fraudulent and have been reported to the FTC as fraud. This is costing me opportunities for housing and negative information is being reported to credit agencies. Costing me credit accounts, bank accounts, and housing.
Product: Checking or savings account

I am charged a 1 % foreign transaction fee for using my USAA card through XXXX  despite the fact they have a XXXX  office
Product: Credit reporting

Thank you for reading this complaint. I hope it will suffice to get the judgement removed off my Equifax credit report ( only on this bureau now ). I have been contacting this apartment complex ( XXXX ) off and on since 2011. Trying to get them to remove this judgement, which should not be on my report, and each time a XXXX manager admits they have no records of me living there and can not verify anything, let alone a judgement on me, and to contact the bureaus. I have done that and XXXX and XXXX XXXX have removed this item off my report a long time ago. Equifax has done nothing. 
I am now in the process of buying a new home for my family and this has become Priority 1 in my life. You can not obtain a mortgage with a judgement on your report. 

Please see the attached document and it stands as proof that XXXX XXXX does not have anything on record about me or a judgement. XXXX XXXX, the assistant manager, wrote the attached letter and I made a copy of her business card on the letter. PLEASE contact the apartment if you would like to verify any word of this letter. Since I have proof this can not be verified in any way. I am requesting Equifax delete this from my credit report. The FCRA, according to my understandings, has to delete either accounts that are not yours or unverifiable information. My attachment meets those standards and guidelines. Thank you for your help as this is SOOOOO Important to me and standing in my way of a new home.
Product: Checking or savings account

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME
Product: Checking or savings account

On XXXX and XX/XX/2022, a total of {$3000.00} was fraudulently transferred out of my Chase account through XXXX. When I realized the fund was transferred out of my account, I went to the Chase bank campus at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, in order to resolve the issue. The Chase bank representative decided to give me a temporary credit while awaiting for what they told me was an investigation. A few days following that investigation, Chase bank pulled the money back from my bank account and only left {$29.00} there. I went back to Chase bank to find out why the fund was retaken back from my account, it was when a representative from Chase bank informed me that it was someone from my bank account who took the money. It was a total lie, no one from my bank actually took the money, and Chase bank couldn't give me any proof that it was actually someone from my bank account who took the money. There is a new trend out there, where hackers remotely access your personal devices and access your bank accounts and other personal information. That type action in accomplished through phishing, spyware, viruses infiltrated through risky apps or website. I asked Chase bank to provide me with the proof that someone from my bank account actually transferred the money through, but the bank refused to do it. Chase doesn't have any concrete evidence that it was someone from my bank account who actually transferred the money out. I truly believe Chase bank is just making those allegations, simply because they believe we would commit such an act because of our race. I would like Chase bank to give me back my {$3000.00} as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are listed below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$450.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00}, U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I don't know my account number with wells fargo auto loan, so I included my phone number of XXXX in that section. Please provide wells fargo with that information, last XXXX of my ssn XXXX, and email address to identify me : XXXX. 


In XX/XX/2023, my car was repossessed by Wells Fargo for failure to make payments. 

Today, I went to a dealership to try to get another vehicle financed, and, they informed me that WellsFargo still has my repo account listed as open, and, until they close that account, I will not be able to receive any financing from other companies. 

So why in the 5 months has this not been closed, and, why am I continued to be harmed by the failures of Wells Fargo finance. 

Previous to my car 's repossession, I had called Wells Fargo ( i believe XXXX was still active on one of the occassions as well ), and, they were unwilling to work with me on payments despites the hardships I encountered. 

As a XXXX American I find this unacceptable. They continue to harm me as a result of their unethical actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i dont know why this is still reporting on my report when I have already toldf XXXX about them violating my rights by keep posting this account like its mine. 
Account Name : I.C. SYSTEM, INC Account Number : XXXX Account was opened : XX/XX/2017 Account Balance : {$660.00}
Product: Debt collection

XXXX cable has sent me to collection for {$210.00} i was sent to credit protection association XXXX account # XXXX. they where informed this is a legal dispute and there is no debt owed. I am seeking damages due to poor quality service provided and network outages has resulted in a loss of trading profit of {$4900.00}. i do not owe them nothing for poor quality service provided. so i hear by now dispute this debt with you also. i have disputed this debt with the collection agency and XXXX personal and they keep on trying to collect. the damaged out way the debt. so this debt was paid when the damages out ways the debt.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX. In XX/XX/XXXX I took out a Personal Loan ( XXXX # ... XXXX ) with Sofi for {$14000.00} at an Interest Rate of 10.70 % and was making payments of {$350.00} per month with no issues. 
XXXX. On XX/XX/XXXX I received an offer from Sofi via my online account that I was eligible to apply for another Personal Loan in the amount of {$11000.00} at an Interest Rate of 13.55 %. 
XXXX. I took the offer with the intent of consolidating my high rate credit cards and completed the application online. I was approved immediately and received an email saying the proceeds will be deposited into my checking account within a day. 
XXXX. I later checked my Sofi online account and saw that the proceeds of the loan was used to pay off the Personal Loan I already had ( XXXX # ... XXXX ) so no funds were ever deposited in my bank account. 
XXXX. I called Sofi Loan Dept and explained the situation to a Loan Supervisor Agent and was told that the loan I applied for was a Refinance Loan. I told the Supervisor that the application I submitted said nothing about a refinance, I requested to cancel the loan and was told that the loan was already funded and nothing can be done. I requester to speak to a higher authority and was told the the Supervisor was the only authority who makes the decision. Supervisor 's name was XXXX, refused to give last name, no XXXX # on file, phone # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unpaid medical debts from a car accident in XX/XX/XXXX. These debts are being sold and reaged to the current year each year. It has now been 10 years and they just put a new debt on says opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX
Product: Credit reporting

One of the Employees at Equifax has violated Federal Law and perhaps local law by DELETING my credit file AFTER I have filed complaints with this Bureau.
Product: Debt collection

I never own any XXXX  accounts. I have been with XXXX for phone service for years. I contacted the company list and demanded proof of the original contract and it was never provided. I have received an email and letter in the mail about my information being comprised and passwords being exposed.
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately Invocation of North Carolina FCRA Identity Theft Fraud Laws Dear ACIMA DIGITAL FKA SIMP, I am writing to address a serious breach involving the unauthorized reporting of information to my credit report, a violation that contravenes both federal and North Carolina state laws, including the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as pertinent North Carolina FCRA identity theft fraud laws. 

It has come to my attention that ACIMA DIGITAL FKA SIMP has engaged in unauthorized reporting to my credit report without securing my explicit consent, as mandated by federal and state regulations. Under the FCRA, explicit consumer consent is a prerequisite for any such reporting activity, as outlined in Section 1681b ( a ) ( 2 ). 

Moreover, North Carolina FCRA identity theft fraud laws, akin to those outlined in Texas, emphasize the criticality of consumer consent for credit reporting and underscore the severe repercussions of unauthorized access and misuse of personal information. 

I unequivocally state that I have not granted consent for ACIMA DIGITAL FKA SIMP to report any information to my credit report. This egregious lack of explicit permission constitutes a flagrant infringement upon my rights, potentially harming my creditworthiness, and displaying blatant disregard for federal and state laws. 

I demand, unequivocally, that ACIMA DIGITAL FKA SIMP immediately cease any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant North Carolina FCRA identity theft fraud laws. Failure to adhere within the prescribed 30-day timeframe will be deemed willful noncompliance, subject to penalties under applicable laws, including North Carolina identity theft fraud statutes. 

I emphasize that obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA, North Carolina state law, and identity theft fraud statutes. This is not open to negotiation ; it is a demand for adherence to federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting practices. 

I anticipate your immediate attention to this matter and expect ACIMA DIGITAL FKA SIMP to promptly rectify these egregious violations, respecting my rights under federal and North Carolina laws.
Product: Debt collection

My sister and me bought the house in XXXX in XXXX House ; XXXX, California under the XXXX XXXX XXXX XXXX. Unfortunately after paying all the bills up to XXXX XXXX, XXXX and after this we decided to foreclose the house due to financial problem. After the house was foreclosed the XXXX XXXX XXXX took over the house, which after this we do n't know what happened? We did n't receive any letter/notice from XXXX XXXX XXXX XXXX. 
We thought that we do n't owe any payment to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX until I received the summons notice from Credit Bureau Associates. The address of the Credit Bureau Associates is XXXX XXXX XXXX in XXXX of XXXX, California XXXX. Their telephone number XXXX. The summon notice which I received was in year XXXX stating the amount of {$7500.00} which they want me to pay. Of course I do n't want to pay this amount so I went to the court in XXXX in XXXX, California but unluckily I loss the case. When I go over all the paper works from the Credit Bureau Associates and XXXX XXXX XXXX XXXX I found out that they did n't not send me any bill to the address where I am living since XXXX up to the present. If the XXXX XXXX XXXX XXXX send me a bill using my real address where I am living for almost 34 years ( my only address ) I would have take care of it but since they did n't send me the bill thus it went to debt collector agency XXXX Credit Bureau Associates XXXX year XXXX. 
That is why I am disputing it cause for me its not my fault but their fault of not even sending me a bill, first bill since we foreclose the house. I was just shocked when the Credit Bureau Associates summon notice.
Product: Checking or savings account

I can not use my account because they closed it for " security '' measures. I have XXXX in the account. With pending deposits. And after 8 and a half hours of talking to multiple reps and a supervisor no results have came even after I supplied documents that I am who I say I am