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

An amount of {$270.00} is on hold from a mobile deposit made on XX/XX/XXXX in the amount of {$500.00}, which is a printed check from a company, XXXX XXXX, check issued from XXXX  XXXX XXXX. I called twice today to request hold removed, funds made available sooner than date of XX/XX/XXXX, estimated date of availability. The first rep spoken with stated they were unable to collect funds from issuing bank, which is bogus ... I confirmed with XXXX XXXX, the payer, the funds are available. It appears Wells Fargo is delaying availability of funds in order to obtain overdraft fees for items which may be presented before funds available. I have provided this information to attorneys investigating institutions, including Wells Fargo, for their charging of overdraft fees as well as NSF fees. Further, I was charged a monthly maintenance fee recently which is also bogus, it appears Wells Fargo does not offer any account which does not charge a maintenance fee. I requested this fee waived, was denied, citing a prior waiver of an overdraft fee which is unrelated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time 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. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I purchased a car from XXXX XXXX in XXXX Delaware. 
I paid cash for the vehicle, writing a personal check which the dealership accepted. 
The documentation was done electronically. When presented with a screen regarding a credit check, I specifically stated I was not consenting to a hard credit pull, as I was paying cash for the car. 
I was told it would be a soft pull. I again reiterated that I did not consent to a hard credit pull. 
Received a disclosure dated XX/XX/2023 that a hard credit pull was obtained from Equifax. On the disclosure it states my credit score was XXXX. Upon checking my credit score with Equifax today, the score has dropped to XXXX. Nothing else in my credit history has changed. I have been harmed. 
I called XXXX XXXX and was told that there was nothing they could do about it. The finance XXXX stated that making hard pulls was part of their process and they pull hard credit scores for all customers, whether or not they are paying cash or financing. 
I asked him again if they do this for all customers, regardless of if they are financing or not. He affirmed they do. 
I was the hard credit pull removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 someone hacked into my coinbase wallet and stole BTC XXXX at approximate {$250000.00} XXXX etherium at approximately {$35000.00}. 

Coinbase sent me the following response and offered no assistance. Looking on the internet it appears this to be pretty common. They need to be shut down! 

" If you did not confirm any outgoing transactions from your Wallet, we regret to inform you that this means the funds and the seed phrase are now compromised. 

We are unable to provide specific details on how your Wallet was compromised. Cryptocurrency transactions are part of an external process, outside of the control of one entity. They can not be reversed once they are confirmed on the blockchain, therefore Coinbase can not recover the funds in these instances. ''
Product: Credit reporting

I have XXXX paid collection accounts on my Transunion report. XXXX regarding XXXX XXXX XXXX from XXXX XXXX for {$180.00}. I submitted paid receipts to Transunion and they have not removed it from my report. They sent me a letter stating the nature of my request was illegible. I followed the Transunion customer service representatives instructions who I clearly reported the issue to over the phone and sent them the requested proof by fax. If XXXX removed it because it was closed why wo n't Transunion? 
The second case is a paid in full account with XXXX XXXX XXXX bank ( XXXX ) and their collection agency, XXXX XXXX XXXX , XXXX. The collection agency has submitted a letter to the credit bureau absolving me of this debt but Transunion still has not removed the account or reported it paid. I have proof from XXXX XXXX XXXX , XXXX absolving me of the debt stating it is paid but they still will not remove it from my credit report.
Product: Debt collection

This collection account is a timeshare account for maintenance fees. I do not have a timeshare. This same company did this to me several years ago. I had a police report for my billfold being stolen. XXXX report number. That old account was deleted, and now years later it comes back. I dont know any way to dispute this. Ive called the collection company and they dont believe me. I dont want to pay a lawyer, but my credit is excellent and Im not going to pay {$3000.00} for a bogus debt. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX and during those days and weeks I tried to pay a debt off my credit card that I owed to capital one bank. Once tried to pay it off capital one fraud department called and said that my account dont match from the account Im trying to pay with ... Finding out that the app I use called XXXX   XXXX  changed banks and had another bank control they funds and every account number and routing changed I didnt know none of these until that day ... Which was XXXX XXXX XXXX at first then switched to XXXX XXXX when a representative told me and capital one bank representative on the phone and dont have anything to do with XXXX  anymore. XXXX XXXX is third party ... So they saying I have to get proof of XXXX XXXX stating that they changed institutions and then closed account until proof ... XXXX XXXX only does email so that was the inconvenient part. Finally got proof of my old account and routing that I found when filing income taxes last year and sent it to capital one. When speaking with representative they looked over it and said everything was good and now I can pay the debt using the new bank I didnt know I had. They open the account back up ... the next day it was closed with the new pending transaction I made. I talked to supervisors and all and its in notes of all the times I called ... After the weekend Monday came and they took the money out of my account. I looked at my account and it was still closed.. Called capital one bank and they told me that they closed it because 5 reversed transactions on account which the whole time I was repeatedly talking to them the whole week ... So now they took {$890.00} from me and closed my account because of transactions ... Even though also my mother connected with the account so she also pays my fees which is another bank she used for me a month ago and they still closed my account giving me a lot of confusion when the whole time Im trying to pay a debt off and build my credit which I cant do now because they closed my account and now I have to reapply for another card which will be not the same as my old card plus pay {$200.00} more and was less than before. Because now its denying me for card I usually had because of my credit doesnt match up with it anymore.

All I want to do is get another card or reopen my account so I can continue to build on my credit card. If can not I will then take the refund that they took from me back ... I just feel like this is not right.
Product: Mortgage

My mortgage servicer is Select Portfolio Servicing, Inc or " SPS ''. In my monthly statements I have been charged {$190.00} for " unpaid late charges '' and {$290.00} for " other charges and fees. '' I was not sure what these charges were for as I am currently up to date on my mortgage. I contacted SPS and the representative advised that part of these charges were transferred over from my previous servicer, XXXX, when the mortgage was assigned to SPS in XX/XX/XXXX. She advised that when the mortgage was transferred there were {$190.00}. XXXX in late charges and {$150.00} in " other charges. '' She also claimed that there were three additional late charges of {$29.00} for XXXX, XXXX and XXXX XXXX and three {$15.00} inspections for the same months. However, I do not think this is correct and that these charges may be a mistake. When my mortgage was transferred to SPS, I was current on my payments and had taken care of any previous fees. I did fall behind on my mortgage a couple of years ago and then reinstated it. When I reinstated my mortgage the representatives advised that I had paid all of my late charges, so I do not understand why I am now being charged for unpaid late charges for those months in XXXX. In addition, the representative from SPS assured me that the {$15.00} inspection fees would be waived.
Product: Mortgage

I was given a name and phone number to call XXXX XXXX at PHH and neither the number or extention gets me to hm. I want to work with PHH but they are not attempting at all to help me.
Product: Debt collection

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am rewriting to file a formal complaint to EQUIFAX regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the EQUIFAX will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was supposed to remove all negative reporting on my credit file due to me being affected by the covid pandemic but has failed to do it
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX. State Zip : XXXX XXXX MD, XXXX Email Address : XXXX XXXX U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

My property management placed the judgment for a debt with a debt collector and reported the debt to XXXX. I have disputed the amount of the debt with XXXX who rejected my dispute. 
The court judgment amount is for {$2900.00}, which I am willing to pay. However, the collection amount placed by property management is {$10000.00} which is not allowing me to seek financing to purchase a home and overall has fractured my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have requested proof of accuracy and investigation from the CRA regarding a collection account with significant inaccuracies and have been unsuccessful. This process has been hazardous to my health and families well being. In accordance with CDIA METRO 2 COMPLIANCE PROCEDURES and the FCRA, every item being reported shall be 100 % accurate, timely and verifiable. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). XXXX XXXX XXXX XXXX accounts on my profile is not reporting correct and true. Ive never giving authorization under form SSA-89 to share my name, social security number nor any other private identifying information which makes said collection account reporting identity theft. Is this account metro 2 compliance? Today is XXXX, XXXX and i have not received a response nor update, that makes EQUIFAX Noncompliant. I EQUIFAX a dispute letter with the concern that this account has yet to be properly been investigated as federal law requires interviews to be conducted under 15 U.S. Code 1681i ( 7 ) and CDIA metro 2 compliance procedures of 1997 require identifiers. I am seeking help and protection unproven, illegal data sharing, non compliance acts placed on my report without proper investigation. Please remove XXXX XXXX XXXX from my credit report i have no acknowledge of this company.
Product: Payday loan, title loan, or personal loan

I sent a letter onXX/XX/XXXX to Spotloan to revoke ACH authorization any further. Then today I find that money has been debited from my account anyways. I also sent another letter stating at the top that the original was sent on the date above. I got a response but no acknowledgment about there being a prior letter for ACH revocation. 

It reads this : Date ___XX/XX/___________ Name_XXXX XXXX ___ Address_XXXX XXXX XXXX XXXX___________ Email_XXXX_____________ Attention Payment Department Lender Name_Spotloan _____ Fax : N/A_____________ Acct No. __XXXX_______________ To Whom it May Concern : I hereby revoke any and all ACH debit authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Preauthorized transfers and NACHA  regulations amended XXXX. I am revoking any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, XXXX XXXX
Product: Student loan

I have been making monthly payments of {$660.00} since XX/XX/XXXX. I wrote down my balance due on my student loans on XX/XX/XXXX and some have increased over the past ten months. 
XX/XX/XXXX XX/XX/XXXX balance due {$79000.00} {$78000.00} {$1500.00} {$1100.00} {$1300.00} {$1600.00} {$780.00} {$1000.00} I have XXXX more loans but this is a representation of what is happening to my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the amount of a credit on my report and nothing has happened over the past 4 years and its affecting my score and ability to move past this. The amount shown is not right and wont be resolved
Product: Mortgage

I have a mortgage with Caliber Home Loan. I have an automatic recurring payment set up so my payments are automatically made XXXX of every month. This XX/XX/XXXX, I changed my recurring payment to twice a month because my salary is paid twice a month. Since interests are calculated with daily accrual, I thought it would save some money. However, Caliber held on to the payment that was made on XX/XX/XXXX and applied the payment with the next payment on the XXXX of the following month. I was surprised by that and I thought that was an inefficient use of cash. So in XX/XX/XXXX, I changed the automatic payment back to once a month expecting it would either make a payment on XX/XX/XXXX or make two payments in XX/XX/XXXX and start making one payments per month from XX/XX/XXXX. However, it skipped XX/XX/XXXX 's payment entirely and made one payment in XX/XX/XXXX. As a result, I was charged with a late fee and potentially I will see a delinquency on my credit report. This is insane. I paid the delinquent amount back immediately on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Please don't ignore my request this time, I really need these items to be corrected as soon as possible. Thank you. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # xxxxxxxxxxxx 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 Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights.

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX : {$960.00} XXXX  XX/XX/2021