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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am a victim of tXXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a deposit of {$1200.00} USD into Coinbase Pro. The money was taken from my checking account but never credited to my Coinbase account. In the App it says PENDING DEPOSIT and on the website it says PENDING highlighted in YELLOW. I contacted support and was given Case # XXXX, they told me the money was deposited into my account, but this is NOT true. The balance in my account is NOT {$1200.00} and I have not made {$1200.00} in trades so this is not possible for me to have received the money. I need this escalated so they can properly credit my account with my money that they took from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In the attached documents, I provided a clip in which TransUnion has denied me access to my online accounts ( this is in leu of an active investigation which inhibits delays this ), 2. XXXX XXXX and TransUnion reporting I have a high balance of {$1600.00} between XX/XX/2022 and XX/XX/2022. That is fraudulent information. This card has a 9.9 % utilization at {$140.00}. 

3. Lastly, I have documentation that this item was deleted from my credit report.

The item is still being reported.
Product: Mortgage

I was told at closing that my payments would be around XXXX. Then I was switched to Mr Cooper and they charged me for insurance that I already had. They charged XXXX the amount. Then my payments went from {$1300.00} to {$2800.00}. I have already depleted my savings. There seems to be mismanagement with the funds and escrow funds. I need help fast
Product: Mortgage

I have a HELOC with Chase and they refuse to take my payments and are continuing to charge me late payments and they are sending me constant foreclosure notices. The reason they are not accepting my payments is because they say I do not have insurance on my property and as a result they force placed insurance. I have sent in documented proof more than once that their information is incorrect and that I indeed have insurance on my property which is required by my first mortgage. I would like to help resolving this issue once and for all.
Product: Credit card or prepaid card

I believe there is a billing discrepancy I was billed for what I pumped as well as the prepaids - my card was charged twice for something I did not receive. 

For example : XX/XX/XXXX XXXX pumped {$25.00} worth of gas however I was charged {$51.00} ( {$50.00} was what I prepaid - including an additional {$1.00} for?? ) on my statement I was billed {$77.00} In addition, from my experience at XXXX XXXX XXXX XXXX gas stations, it seems as though they practice meter creeping because I got charged but my gas tank never filled up as I did not receive the gas from the pump. A lot of times, the pumps are out of gas.
Product: Credit card or prepaid card

Send feedback via EMAIL since I am traveling and a hard copy to my billing address. 
Capital One does Not have a reasonable feedback process to send complaints to Capital One except calling NO written feedback option as when I content charge and fees it says call and will not allow submittal of dispute. 

Capital One refuses my requests to provide me all credit card charges made internationally with foreign denomination, exchange rate used and fees. 

Each charge is hidden fees and difficult to TRAIN Capital One since they do not have all data available to verify each purchase accuracy. 

Since I'm traveling for 2 months I want all charges since XX/XX/2018, to show foreign denomination, exchange and and fees. 

capital One web PREVENST me from submitting direct feed and always pops ups message to call which I can not do internationally! Any call from a mobile is charged to teh customer and capital One has IGNORED this feedback problem in the past.
Product: Credit card

Synchrony Bank overcharged me by {$100.00} on XXXX XXXX, 2015 and has failed to refund my money. I keep calling them and they say they sent me a refund check but I never got it. I called numerous times. It is very difficult to get a hold of a person because of the way they have their automated phone system set up and when I finally do get a hold of someone, such as the last time I called, which was today, and spoke with XXXX, I got told things like, " we issued the check on XXXX XXXX, but please keep in mind that it takes 10 to 15 business days to receive the check ''. When I pull up the calendar and tell her that 10 to 15 business days already past last week, she says she is not the postal service and can not help me. When I ask her to confirm to me via email that this check was sent out she says she ca n't help me. So then I have to ask to speak to a manager and then get put on hold again. When the manager finally gets on the phone he tells me that the customer service representative gave me incorrect information and that the check was mailed XXXX XXXX and I should get it by next week at the latest. 
This has happened repeatedly. The overcharge was in XXXX and I have been calling Synchrony Bank numerous times since then.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to rectify inaccuracies in my credit report.The purpose of this letter is to formally register a complaint against the persistent errors present in my credit report. 

I have made repeated efforts to correct the inaccurate information in my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). Unfortunately, despite my numerous attempts and the submission of supporting documentation, the inaccuracies persist, causing considerable distress and hindering my ability to secure fair financial opportunities. 

The inaccuracies in question include late closure, charge off and inquiries. I have attached copies of the supporting documents that verify the correct information and clearly demonstrate the errors in my credit report. 

Despite these efforts, I have not received any meaningful resolution or acknowledgment of my concerns. This lack of responsiveness is not only a violation of my rights under the FCRA but also an impediment to my financial well-being. 

I kindly request that you promptly investigate and correct the inaccuracies in my credit report. Additionally, I expect a written response detailing the results of your investigation within the statutory timeframe as outlined in the FCRA. Please assist me to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXXXXXX  Balance Owed : {$4800.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6300.00}.
Product: Credit card

XXXX XXXX XXXX Credit Card : has a paragragh in fine print that entices a seemingly innocent plan. In the fine print : [ **Offer applies only to single-receipt qualifying purchases. No interest will be charged on the promo purchase if you pay the promotional purchase amount in full within 6, 12 or 18 months. If you do not, interest will be charged on the promo purchase from the purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts : Purchase APR is 29.99 % ; Minimum Interest Charge is {$2.00}. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. ] Being a senior citizen I am not able to read the fine print, and rely on the honesty & integrity of the company. I had arranged for my bank to autopay every month for 18 months. Comes the XXXX month, without my knowledge, the autopay stopped 2 weeks before the last payment. Which took me to a non-payment before the end date of the promo. Because I opted for the paperless statements I was unaware of the issue. I contacted XXXX Bank and asked to give a grace period. I prepared to pay the rest of the balance of {$600.00}. Instead they said I owe for the last 18 months of 29.99 % {$2100.00} was my remaining balance. There should a law against this type of credit card interest trapping. After several calls, they agreed to let me pay the balance owed. I am a lucky one but what about others that do not know how to fight these banks? 
Please do not allow banks to trick people. 29.99 % is high enough, but to miss a few days and tacking on the interest from day of purchase is not right. They rely on unsuspecting people to make a mistake like what I did. I will never buy from XXXX XXXX ever again.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX, XXXX. ****Date Opened : XXXX. XXXX, XXXX Balance Owed : {$0.00} -Bankruptcy XXXX Opened : XX/XX/XXXX {$0.00} -Bankruptcy XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I opened a Coinbase account. Shortly after opening the account, I received a XXXX transfer of XXXX XXXX from another wallet into my Coinbase exchange account. However, when I attempted to access my account, I was informed that my account was under review. 

Coinbase contacted me through email with the case number # XXXX, requesting additional information to complete the review process. I promptly provided all the requested documentation, including sensitive personal information. Despite my compliance, I have not received any response or update from Coinbase regarding my account status or the transferred funds. This issue has persisted since XX/XX/year>, which is an unacceptable delay. 

I have sent multiple emails to Coinbase seeking clarification and assistance, but I have not received any meaningful replies. Furthermore, I recently received another email from Coinbase stating that I had 10 days to respond to a previous email, despite having already responded multiple times. 

This lack of communication and resolution is highly distressing and unacceptable. I request your assistance in urging Coinbase to address this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX  XXXX XXXX # XXXX Account Name : XXXX/XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account XXXX : XXXX # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX  XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX  # XXXX-XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : UNKNOWN # XXXX Account Name : UNKNOWN # XXXX
Product: Checking or savings account

I reported this bank once already. And how their app had a setting to allow overdraft. And that the default seeing is TO ALLOW overdrafts on a DEBIT CARD. which I feel is intentional fraud with the {$50.00} overdraft fee and the {$15.00} maintenance fee. So I changed the settings to STOP OVERDRAFTS. AND yet US BANK authorized 2 transactions that there was not enough money in the account to complete. And in believe it was a incredibly small amount over. I think under {$1.00}. BUT THEY HAVE MY ACCOUNT AT A NEGATIVE - {$83.00} for overdraft and maintenance fees. Even after I reset the default overdraft setting.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX XXXX number XXXX XXXX ( CLOSED ACCOUNT ) payment late year XXXX  and charge off years XXXX. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9800.00}, {$2900.00}, {$6000.00}, {$3500.00}, {$4000.00}, {$2600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$6000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.
Product: Credit card or prepaid card

Date of transaction : XX/XX/XXXX transaction for {$990.00} purchase made by XXXX XXXX XXXX XXXX XXXX XXXX ( fraudulent charge ) to card ending in XXXX. Bill received XX/XX/XXXX. Contacted Fraud Department. They stated they would check into fraudulent charges and opened new card ending in XXXX. Balance transferred {$1300.00} to new card. Owed {$310.00} of balance on previous card due to legitimate purchases which was paid on XX/XX/XXXX to pay the balance in full. XX/XX/XXXX Received statement with balance of {$990.00} to new card ending in XXXX. Called on XX/XX/XXXX and spoke with XXXX. She stated the fraud was resolved on XX/XX/XXXX. Transferred to XXXX Department and spoke with XXXX who stated to hold off on next payment and that fraud was resolved XX/XX/XXXX. XX/XX/XXXX Received statement for {$1000.00} talked to XXXX in customer service who transferred me to fraud. XXXX stated she was sending to finance team to double check. She could see it was double credited and she is sending it back to the fraud investigation team. Direct phone number provided. XX/XX/XXXX Called for update, spoke to XXXX, stated it would post in next XXXX hours. I chose to cancel my card that day. XX/XX/XXXX Another statement received {$1000.00} due. Talked to XXXX in Fraud Department who stated he would send an email to the investigation team of why the amount was back on the card. He said he would send to investigation team. Call back in one week and it would be cleared. Nobody called back and no supervisors to talk to. XX/XX/XXXX Called again after receiving XXXX emails offering to help me catch up on my delinquent card. She said she could see that the amount carried over in error and fraud XXXX said it was correct and money was owed. She stated she would send email to corporate office and fraud investigation team. Asked for call back and stated that I would go to XXXX  if I had not received a call back by XX/XX/XXXX. No call back received. She stated they dont call back and requested another XXXX hours. XX/XX/XXXX After several calls on XX/XX/XXXX no call back received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I am reporting fraudulent inquiry found in my credit report
Product: Checking or savings account

On XX/XX/XXXX ( Saturday ) at XXXX I deposited cash into the drive thru ATM. Once I deposited the cash a message came up on the machine saying that there was a malfunction and the system did not reverse the deposit and give me my money back. Instead I was told to " enter a forced deposit amount '' into the ATM. I did not know the exact amount of cash but I am certain it ranged from $ XXXX {$1000.00} ( XXXX days of work ). 

On XX/XX/XXXX ( Monday ) there was a deposit correction for {$840.00}. Rather than taking out {$160.00} and leaving {$840.00} remaining in my account, they took out {$840.00} out of the {$1000.00} in my account and I was only left with {$160.00}. I quickly went to the local branch to explain this situation and sat down with a banker and we put in a dispute. On XX/XX/XXXX I was given an {$840.00} provisional credit while they investigated my claim. 

On XX/XX/XXXX the bank reversed the provisional claim and stated that their investigation did not find anything and that the deposit amount was correct. 

Again, I quickly called and spoke with a manager from TD Bank customer service and put in another claim for investigation. The manager told me that it may be because they only checked the deposits from that monday ( XX/XX/XXXX ) and not over the weekend. 

It has now been over a month dealing with the bank and not having the money I deposited from back in XXXX, which I need right now.
Product: Credit card or prepaid card

Someone ( not me ) applied for Citi AAdvantage credit card. It was extremely difficult to contact Citi ( lots of hold time and transferred around ). They retained my information without my consent. I asked them for help to see who applied for the card and they said they were unable to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was checking my credit score I had seen it went down. I seen 2 new credit inquiries with 2 different finance company/bank, XXXX XXXX and XXXX. I never opened an account with them the only account I have is with XXXX XXXX And they already spent money on the credit cards and I personally do not want to pay that back because its not me. Also, an account was opened with XXXX XXXX also which was not me. I want these accounts closed and I want this to stop from now on.