23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was a recipient on a XXXX money transfer from XXXX XXXX Denver/XXXX to me Maryland/ XXXX XXXX through Truist bank. 
On sender side said transfer completed and money was withdrawn from company account and on my end said money received but money isnt posted/deposited to my account for 3 days. After I called truist bank hotline and explain next day status changed to failed but money still not refunded to the sender.
Product: Credit reporting or other personal consumer reports

This is my fourth formal attempt to resolve a fraudulent Military Star account reported by the Exchange Credit Program / Military Star / AAFES. I never opened or authorized this account, and I submitted an FTC Identity Theft Report, along with supporting documentation, to dispute it and request a fraud block under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. 

Despite properly submitting the required documentation : My fraud block request was denied The account was reinserted after a previous deletion without any 5-day written notice, violating FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) The account was : Deleted on XX/XX/year> following my dispute Reinserted without notice by XX/XX/year>, showing a balance of {$5700.00} and marked as a collection account This reinsertion is unlawful and mirrors the conduct that led to the CFPBs {$15.00} XXXX enforcement action against XXXX  and its current lawsuit against XXXX  for illegal reinsertions and failed dispute processes. 

The continued reporting of this fraudulent account is : Preventing me from closing on a home Threatening my federal security clearance Causing financial and emotional harm Ive attached proof showing both the deletion and reinsertion, my FTC Identity Theft Report, and my formal notice to Experian detailing the FCRA violations.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Immediate Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally notify you regarding the deletion of a XXXX XXXX  charge off account from my XXXX credit report, which was originally disputed by me. The dispute investigation was concluded on XX/XX/year>, and XXXX has confirmed that the account was completely deleted from my XXXX credit file. 
As a result of this deletion, I believe this account is now considered unverifiable by XXXX, and I am requesting that you promptly remove this account from my credit report as well. I am entitled to accurate and complete information on my credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported by a credit reporting agency must be accurate, timely, and verifiable.

Legal Rights : 1. FCRA Section 1681i : Under the FCRA, you are required to ensure that any information you report to credit bureaus is accurate and complete. If an account is found to be unverifiable, as in this case, it must be removed from the credit report.

2. F

CRA Section 1681e ( b ) : You must maintain procedures to ensure the accuracy of the information you report. If an item is not verified or is inaccurate, it should be deleted or corrected within 30 days from the time of dispute.

3. Right to Sue : If this account is not removed or corrected within 30 days of receipt of this notice, I reserve the right to take legal action under the FCRA, which could include filing a lawsuit for violations related to the failure to remove inaccurate or unverifiable information. This can result in claims for actual damages, punitive damages, and attorney fees. 
I expect that, in light of the XXXX deletion, you will proceed with removing this account from my credit report within 30 days of receiving this letter. Please confirm in writing when the account has been removed or provide any supporting documentation that indicates why the account has not been deleted. 
Failure to comply with the FCRA and resolve this matter in a timely manner will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and exercising my legal right to seek compensation. 
Thank you for your immediate attention to this matter. I expect a resolution within the legal timeframe, and I will be closely monitoring my credit reports for compliance.
Product: Money transfer, virtual currency, or money service

My bank confirmed that CoinBase withdrew funds from my bank account via wire transaction. The deposit has not shown up on my account and is 3 week late from the stated deposit date and 4 weeks late from transaction date. CoinBase has told me multiple times that a wire transaction may take 3-10 days to process but a month is too long and worrying. My bank also stated it was a transaction and not a transfer - Trans. Description : XXXX. My CoinBase Reference code : XXXX for the transaction. 

Date : XXXX/XXXX/XXXX @ XXXX XXXX PST Amount XXXX ETH @ {$460.00} per ETH. 
Fee {$7.00} Subtotal {$490.00} Total {$500.00}. 

I sent in 3 emails, support requests and feedback but have not received anything but automated responses for the last 2 weeks. I have also called and have not been able to resolve the problem through their customer support.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT 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 ( Original XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX A XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. BANK OF AMERICA- They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. 

During this process the credit bureaus lowered my credit score by 100 points, then BOA, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information Bank of America ask me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. 

I then received a letter from BOA claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from BOA and XXXX. 


2. XXXX XXXX Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 

3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. 

I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost XXXX.
Product: Debt collection

Company trying to reach me on a phone I share with my brother. Lady called was extremely rude and hung up on my brother. He called back and they refused to give him any contact information for me to contact them back. Refused to let him file a complaint within the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My KIA lease was turned in on XX/XX/XXXX. I called immediately after the lease was turned in and I was informed that I was not able to make a payment until the final invoice was issued. 

The final invoice was issued on XX/XX/XXXX. At that time, I had not received an update in regards to the Excess Wear and Tear reimbursement that was due to me ( around {$700.00} that I still have not collected ) so I reached out to KIA for an update and to also inquired about the payment terms of the final invoice. During this phone call, I was assured that there was NO DUE DATE for the final invoice due to COVID 19 and I could to pay the final invoice after I have received an update to the Excess Wear and Tear reimbursement. 

I continued to reach out to Kia a total of XXXX since XXXX. Each time inquiring about the excess wear and tear and also inquiring about payment terms on the final invoice. Each time I spoke with a customer support agent they shared with me that there was NO FINAL DUE DATE for the outstanding invoice due to COVID 19 and one agent even shared with me that they had adjusted the payment to be due in the middle of XXXX. Regardless, I decided to pay the balance due since my wife and I entered into Escrow on our first home purchase. I made multiple payments, two payments were made on XX/XX/XXXX and the last and final payment was made on XX/XX/XXXX. 

Each time I spoke with customer support I stressed that I am in escrow for my home and I need to make sure that my account stayed in good standing - each time they assured me my account was in good standing and they showed that I have an A+ consumer rating on a scale of A-D in their internal system. I never received any notification in writing from KIA that my account was past due or that the payments I made were late, or going to be marked late. I have to stress that I have always been the one who initiated the conversation with the end of the lease and payoff. 

There is NO DOUBT that KIA has violated every required step that protects consumers under the Fair Credit Reporting Act of XXXX. 

The worst part is that I am in the middle of purchasing my very first home and this erroneous late charge has resulted in a 81 point drop in my FICO score. The change to the interest rate because of KIA 's  error will be an increase of $ XXXX/mo to our mortgage. This is detrimental, heartbreaking and unacceptable. 

I have attached a call log breakdown in the documents section of the dates/times that I reached out to KIA ( local dealership for drop off and corporate contact ). The log does not include the 3 most recent calls that were made on XX/XX/XXXX. 

I kindly ask that you PLEASE help me resolve this ASAP. A gentleman I spoke to this evening from KIA finance support ( 15th time I have called ) stated that he was filing a complaint for me but it would take a minimum of 30 days for my complaint to be resolved. I DO NOT have 30 days. As stated multiple times, my escrow is set to close during this time. 

I also want to add that not once in the 4 year lease term was I late on ANY payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only have I tried multiple times to reach out to XXXX XXXX XXXX and Experian, I Have summited multiple disputes to get the account XXXX XXXX XXXX account number XXXX removed from my credit report due to the fact that it states that its a auto loan with incorrect or not showing information on the balance or the amount but the biggest issues is its not mine! As show with the social security number attached to the account! This has hurt me in so many ways not only has it prevented me from getting a new car it has destroyed my credit score. 
This account is one of the multiple accounts that are not mine that are showing on my credit report with incorrect information. Account Number XXXX with XXXX XXXX XXXX and Account number XXXX with XXXX XXXX as well as account number XXXX with XXXX XXXX XXXX are all prime example of accounts that are not only displaying correct information as show in address id # XXXX, address id # XXXX, and address id # XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I bought Shiba inu coin when it was listed. The price I was charged for the coin was much higher on their exchange. Today XX/XX/21 they changed the price causing me to lose money. They incorrectly charged me an inflated price and now theyre pocketing the difference many people and I paid. I purchased around {$800.00} worth of the coin and after they changed the value my value dropped to about {$85.00}. Completely scammed and that money is being pocketed by them.
Product: Checking or savings account

XXXX charged my bank account {$1100.00} instead of my credit card ( XX/XX/XXXX ). 
My bank account only had {$820.00}. 

But even though I asked Citibank to reject every transaction that is more than what I have in my bank account, Citibank processed it as a normal transaction and my account got into the negative ( XX/XX/XXXX ). 

XXXX tried to issue a refund for it because it was done by mistake and the merchant issued a refund right away. However, they couldn't issue a refund because the eCheck didn't clear as I didn't have enough balance in my account ( XX/XX/XXXX, they originally told me that my refund would be issued by XX/XX/XXXX ). 

So even though I asked Citibank to reject every transaction that is more than what I have in my bank account, Citibank just processed it and charged {$1100.00} to my bank account, then the check bounced and I got my money back ( XX/XX/XXXX ). 

However, Citibank still decided to charge the {$34.00} fee. I wanted this to get reversed as I originally asked Citibank to do so last time when I called them but they ignored. However, when I contacted the customer service they refused my request ( XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  reporting inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX has 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 instruction.
Product: Debt collection

The Following accounts listed, I am unaware of : Accounts XXXX. XXXX XXXX XXXX {$700.00}, account # XXXX [ unverified, This account does not belong to me ] XXXX. Credence Resource Management {$870.00} account # XXXX [ unverified, This account does not belong to me ] XXXX. XXXX {$610.00} Account XXXX [ unverified, This account does not belong to me ] XXXX. XXXX XXXX XXXX {$180.00} account # XXXX [ unverified, This account does not belong to me ]
Product: Vehicle loan or lease

I never received the final damage assessment bill from Kia Motor Finance ( KMF ) for my returned lease on a XXXX Kia XXXX -- the damage was assessed in XX/XX/XXXX. I never received the bill, despite KMF having the correct phone number, email address, and mailing address on file for a second vehicle I leased from KMF in XX/XX/XXXX ( note : the same phone number and email address were also on file for my XXXX lease ). Since I was never notified of or received the damage assessment bill, I had no ability to pay the bill - causing me to go delinquent on the {$330.00} amount. 

In XX/XX/XXXX, I noticed my credit score had dropped 50+ points. After some digging, I finally discovered the delinquent KMF bill and paid it off right away via the KMF phone line. I believe the delinquency on the bill is KMF / the Kia dealership 's fault and should not be reflected on my credit report. 

I've disputed this issue directly with KMF via mail twice ( XX/XX/XXXX & XX/XX/XXXX ), since they do not have a phone or email to help resolve customer credit disputes. Both times, I received a letter in response stating my dispute is invalid and that " the disputed information is accurate as reported ''. 

I've also attached a document that goes into more detail on the situation and also includes : both credit disputes I mailed to KMF and screenshots of my contact information for the XXXX & XXXX leases.
Product: Credit card or prepaid card

Opened a personal account with PAYPAL, entered all info, confirmed my email address then went to apply for a card, to access my account, a debit card, after doing so I got a nasty email saying my account was restricted and fraudulent etc. I confirmed my email, no other information was requested so how is it fraudulent?
Product: Money transfer, virtual currency, or money service

When contacting cash app you do not have anyone you can contact and limited contact information, when I tried to report fraud to get my money back the complaint was not able to help me and give a clear understanding on the situation due to no live person to have a conversation with, and I lost money.
Product: Mortgage

I'm writing regarding the recent Wells Fargo decision as I was a Wells Fargo mortgage holder as well as equity credit line. I had tried unsuccessfully to secure a loan modification back in 2013 and had submitted and resubmitted paperwork only to be told I needed to reapply a couple times, resubmit documents, no response, etc. I really felt I was getting the run around at a very vulnerable time in my life. I had been a good standing customer. The process was put an unnecessary amount of stress on me when digging out of the financial crisis. I'd believe I should be a part of this judgement/action but have not been contacted. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent {$300.00} on Zelle for a pair of shoes but since then I have received no word from the seller and no shoes, leading me to think I was scammed. I reported the scam to Zelle with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm am unable to update my score and report as per my product to soft pull my report on equifax. I have called numerous times and it is fixed for a short period and then again has to be escalated to technical support so it " does n't happen again ''. I 'm on the phone for 1 hour each time and ran in circles. My creditors are unable to soft pull current information, the only information they can soft pull is from the last time my report was able to be updated. I 'm unsure of what information would be pulled during a hard pull. The supervisor I spoke to said that this is n't a new problem and they are aware of the issue. It is also frustrating to try and understand the representatives as they do n't speak very good English. I think this problem goes beyond paying for a service that does n't consistently work. It is my credit and they are put in charge of keeping accurate information for my creditors. I 'm concerned that if they ca n't get updated information that this will have a negative effect on my credit standings. I do n't have the same issues with my credit monitoring from XXXX or XXXX.
Product: Debt collection

Getting constant calls some blocked some from different number all for the same company I receive almost 10 calls a day its stressing me out because I simply dont have it to pay and its a constant reminder of what Im going through on top of me trying to be a new mom
Product: Mortgage

AmeriHome Mortgage Company LLC failed to pay my homeowners insurance premium despite collecting the money from me in escrow. When alerted of the failure multiple times including by phone and escalating within the company, they have failed to resolve the situation, resulting in cancellation of the policy. A written request on their online portal has not yet been responded to, ever, after 22 days.
Product: Credit card or prepaid card

On XX/XX/XXXX Netspend allowed a fraudulent charge of {$650.00} to clear my account. I tried to be proactive and stop the charge while it was still In PENDING status but they told me I had to wait for the charge to hit my account ( this was all of my bill money ). I did as instructed and called them back to file a dispute to have the funds put back on my account. They then informed me that they have to do an investigation and my funds could potentially be put back in XX/XX/XXXX ( 3 weeks wait ) depending on their investigation. I submitted a claim to XXXX and they lied and told them they reached out to me twice XX/XX/XXXX & XX/XX/XXXX but I have no missed calls or voicemails from them and the agent XXXX who is handling my claim responded today XX/XX/XXXX to the XXXX but his voicemail says he is out of office until XX/XX/XXXX? My car payment is now 9 days past due and my car insurance is in jeopardy of lapse. I need the money back on my card NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found that several companies did hard pulls on my credit report. XXXX recently did a hard pull of my credit. I spoke to a sales a agent in my front yard about signing back up for their services. The sales person said that they would not run my credit. I signed up to speak to someone. I never gave my SSI number ever. my wife was standing next to me when the sales person said 5 or 6 times they would not run my credit. They asked for my driver license number so they could run a premise history. When I check my credit I noticed XXXX conducted a hard inquiry. I contacted XXXX along with the sales person and they did not have any answers for me. This is the 3rd time XXXX has run my credit over the last 2 years without permission. I submitted a dispute with Equifax and they spent a whole 24 hours conducting an investigation. 

I also submitted a dispute on XXXX XXXX They did a hard inquiry in XX/XX/2016. I have made several attempts to file a dispute with Equifax and they continue to say the company had permission. I have never heard of the mortgage company and I was not looking for a montage.
Product: Money transfer, virtual currency, or money service

Coinbase Account Has gotten a transfer of XXXX dollars worth of BTC out of my bank account and the BTC has been sent to a unknown Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry alert from Experian regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from discover. I contacted discover and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.