23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; I XXXX XXXX XXXX XXXX Affirm ; that my Given Birth Name is XXXX  ; XXXX XXXX I was Born on XX/XX/year>, My Mailing Address is XXXX XXXX Edge XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Affirm ; That any other Person Identity Information that reflects Different than the above mentioned Affirmed Facts are inaccurate, I Demand all Inaccurate Person Information to be immediately updated to the accurate information. Included you will Discover XXXX XXXX XXXX XXXX ; Certified Birth Certificate which will Further Affirm my Giving Name, XXXX XXXX and Correct Age As this Inaccurate Information has damaged, & Violated XXXX XXXX XXXX XXXX ; Rights to Privacy, image, name, and likenesses, reputation and also physically and Emotionally since the report appeared ; In accordance with XXXX U.S.C XXXX XXXX. I have Presented Proof of address ; proof of Identity ; Certified Copies of my Birth Certificate ; a Copy of my Driver License & a copy of my Tax Return showing proof of my Social Security # ; Affirming my Giving Name, My Correct Birthdate and Correct Age & XXXX. Affidavit of XXXX XXXX. I have presented proof of Inaccurate information thats on my consumer file In accordance with XXXX U.S.C XXXX & the Fair Credit Reporting act XXXX has violated my federally protected consumer rights to privacy And Violated Multiple XXXX. Codes ; XXXX XXXX XXXX ( a ) ( XXXX ) - There is a Need to insure that Consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers rights to privacy XXXX XXXX Code XXXX ( XXXX ) ( a ) - Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency XXXX furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section XXXX of this title. XXXX XXXX XXXX XXXX ( XXXX ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$9300.00}.
Product: Money transfer, virtual currency, or money service

I started working with XXXX XXXX XXXX to finally get out of debt on my credit cards on XXXX/XXXX/XXXX, the company was going to work with my credit cards to pay them and get out of debt, XXXX deducted from my account {$480.00} each month. I was unable to make more payments on XXXX/XXXX/XXXX and cancel my account. I received a check on the mail from the company with my refund but Global Client Solutions charged me fees of $ {$5100.00} almost 80 % of what I deposited for 16 months to pay the debt, Now I have the full debt and no money to pay. 

Global client Solutions its taking advantage of the situation and taking the limited resources I have to pay the credit cards, the offer me help, but now I see they just took advantage of me, and who knows how many people out there.
Product: Debt collection

Company is collecting my debt but they are not licensed in my state. That is debt collecting illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my credit report from USAA dated XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX that I did not authorize.
Product: Money transfer, virtual currency, or money service

{$2200.00} USD was transferred from XXXX on XX/XX/year> to my Santander Bank saving account, the amount was neither reflected in account, nor returned back. 
I was informed my saving account was closed on XX/XX/year>, and if the amount was not received by Santander account, please share the transaction ID/swift number of the amount if it bounced back or not. 
We are pretty sure the amount is somewhere stuck in a suspense account.
Product: Money transfer, virtual currency, or money service

Been a Coinbase customer since XXXX. 
Discovered that my account was frozen on the XXXX of XX/XX/XXXX. Without any notice ( This to me is a breach of their user agreement ). 
Unable to withdraw or make transactions. 
Open sell orders that were priced around below 50 % above the market price were cancelled. The rest were kept intact. 
A textbox in my profile states that the account is flagged for manual review. 
Sent an email to support asking for clarification for the suspension on the same day. 
Sent a second email on the XXXX of XXXX to ask how long it takes to review. 
Created an internal complaint on the same day. 
Sent a reminder email on the XXXX of XXXX. 
No response thus far. 

Many other users are experiencing the same problem.
Product: Credit card or prepaid card

On XX/XX/2022, XXXX fraudulent charges were made on my credit card adding up to {$1400.00}. I was immediately notified by Bank of America who asked me to confirm the charges were fraudulent and then credited my account with amount that was fraudulent. They correctly identified the charges and said they would open an investigation on the charges. On XX/XX/2022, I received a letter stating that the result of the investigation concluded that XXXX of the XXXX charges ( adding up to {$700.00} ) were not fraudulent because the merchant confirmed that merchandise was shipped to an address listed on my account. This is absolutely not true as we never ordered or received goods from this merchant. Bank of America could not tell me what address the merchandise was shipped to. The only information I can find on the merchant is what is listed on my credit card statement as " XXXX XXXX XXXX XXXX ''. I can find no information of this merchant online and have no way to contact them. I have no idea how Bank of America contacted this merchant or what evidence they have that merchandise was shipped to a specific address. After many phone calls and being placed on hold indefinitely, I finally got through to Bank of America. I stated my case that it was simply not true that I ordered or received any merchandise from this merchant ( that seemingly did not exist ) and they said they would reopen the investigation. It should have been obvious to them based on my account history and the timing coinciding with the other fraudulent charges that these charges were fraudulent. On XX/XX/2022, I received another letter from Bank of America saying that their decision hadn't changed and that the merchant provided documentation confirming I received merchandise. Again, this is simply not true. I have never been able to see any of this documentation from the merchant or Bank of America so it must either not exist or be fraudulent. At this point, I've had to pay the {$700.00} out of pocket to not risk my credit score and interest charges. I've never had any issues with Bank of America in the past, however at this point, I seriously question the integrity and competence of their fraud department. I have not used this card since because I don't trust that they have any useful fraud protection.
Product: Mortgage

I have an issue with Mortgage Servicer Abuse. 

I have attempted for over 10 years to have my XXXX XXXX loan modified via XXXX. I have verified on several occasions that my loan is guaranteed by XXXX XXXX. XXXX misrepresented its role as investor and provided the protections offered under the National Mortgage Settlement and Consent Orders from the XXXX and Federal Reserve. 

In addition, I will be mailing packets of the information to the Dept of Justice and FHFA requesting their special agents review the harm caused by misrepresentation by XXXX and XXXX XXXXe Loans for the amount owed and ownership of the debt. I have been given no less than 6 different reasons why my loan didn't qualify for modification. None of the reasons are accurate as I worked as a Foreclosure Prevention counselor and submitted every packet as required and documented. I am submitting this request with the desire to meet with someone within your office to highlight the problems. I have spoken with some congressional staff members that I would like to sit and follow this process. Mortgage Servicer Abuse is real and harmful. Over the last 10 years, my health has suffered and unable to purchase a home due to the fraudulent foreclosure filing. 

Included in the packet is an outline of the note 's history, recorded Assignment of Mortgage history and XXXX answers. In a nutshell, each history records a different trail of ownership and investors. How is the average American to reconcile issues if the mortgage servicer continues to misrepresent information. 


I am not asking CFPB to litigate this problem. I will handle that thru filing a Wrongful Foreclosure suit soon. My concern is for the ordinary citizen that is being unjustly impacted by bad Mortgage Servicers including XXXX and Rushmore Loan Management
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : 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 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 EQUIFAX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am sure that you aware that current Federal case law states that, Consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed 1681 ( a ) ( 4 ). I have reviewed all three of my reports an noticed inaccurate information that I have asked to be verified an HAVE NOT been properly or formally notified which is against METRO 2 COMPLIANCE. They have NOT provided me, as requested in my first letter a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; 611 ( a ) ( 5 ) ( A ) ( a consumer contract bearing MY signature ) and under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act you are required to promptly DELETE all information which can not be verified. 

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

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XX/XX/XXXX {$720.00} XXXX XXXX - XXXX XX/XX/XXXX {$0.00} XXXX - XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, Experian, and XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any 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 data is inaccurate.
Product: Credit reporting

I originally filed a dispute with TransUnion about an account they were reporting which does not belong to me. They did not conduct an investigation within 30 days as required. When I contacted them after 90 days, they " reopened '' the case as if it were a new investigation and then immediately said the case had been investigated. They DID NOT follow the law and remove the disputed item as they had failed to investigate it within the time frame allocated by the law. They then lied saying that the investigation was completed on XX/XX/2016. However as apparent in the saved screenshot I took on XX/XX/2016 of their web site it clearly shows that they had NOT completed their " investigation '' on XX/XX/2016. I filed a complaint previously here and absolutely NOTHING was done! I demand accountability from my government and this consumer reporting agency.
Product: Vehicle loan or lease

Ally financial advised a deferment was processed on the loan two different times. I was advised on both occasions that this was resolved however now I am told it is delinquent and the deferment was not processed. This is now negatively impacting my credit and was to be resolved. I attempt to call in and speak with a Supervisor however I am told one will call back and I am not given a timeframe in which they will call. This is unacceptable for escalations and following up on complaints that need to be resolved. 
This is horrible customer service especially during the times we are in currently.
Product: Credit card

i have ana acct with wells fargoXXXX XXXX XXXX XXXX i tried to setup auto pay and it wouldnt go through, i went in the branch to get help and they couldnt help me, i have a agreement with the creditcard i have 36 months to pay off this debt as this furniture was in dispute they were charging me late fees i opened 2 complaints with the executive office and nothing is being done, i keep calling them nothing is being refunded, well then i had so many problems with the furniture XXXX XXXX took back my living room furniture and issued me a credit {$2800.00} but i still have other furniture from them well wells fargo took the money and paid off the card balance and i didnt want that dont bc i have the contract terms that say i have 36 months to pay, so i keep calling them and no one is sending me my money that they are holding and fixing my acct and they are ruining my credit by reporting me late
Product: Credit reporting or other personal consumer reports

First, I DID NOT WITHDRAW MY FIRST COMPLAINT!!!! 

Second, I provided CFPB with the statement from the XXXX XXXX XXXX  showing that the account is and was not MINE! The account clearly shows that it belong to an individual by the name of XXXX XXXX. The fact that XXXX, want to withdrawl and lie to the submission of that fact is IMMATERIAL!!! The fact still stands that it belongs to someone else!!!
Product: Checking or savings account

On XX/XX/06, I contacted Ally Bank as I was having issues with withdrawing cash from my debit card using an ATM while on travel to XXXX. After waiting for a customer service representative for OVER AN HOUR, I was told that there was a fraud block on my account and that lifting that block would allow me to use that card. Ok, no problem. I wasn't able to test it while with the agent as I was near physically near an ATM, so I took her for her word. When I tried withdrawing cash from an ATM at XXXX XXXX, a cash only merchant, I was unable to withdraw funds. Great. I call the next day and again the wait time to get a customer service agent is over an hour. This one tells me that the issue is related to too many failed attempts instead of just the initial fraud block and informs me that everything has been resolved. Again, not near an ATM, so unable to validate the agent 's word unfortunately. At night, I try to withdraw cash from an ATM and as expected, still doesn't work. I try for a third time, and again wait for OVER AN HOUR to get an agent on the line and this time the agent tells me that she'll have to transfer me to another agent without giving me a reason as to why and I'm placed back in the wait queue for an hour. Absolutely ridiculous. Not to mention that the other times where I've waited and finally connected, the call ends abruptly. I suspect that agents are taking the call and purposely ending it to clear their backlog. This is the most ridiculous customer service experience I've had with any financial institution and it's ludicrous that I'm unable to withdraw money from my checking account when I want/ need to. Ally Bank needs to ramp up staffing for their call centers and provide adequate training for their representatives to resolve banking issues.
Product: Checking or savings account

I am writing to file a complaint with Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having significant funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe the practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing a collection from Pro Collect on my credit reports. It is for XXXX XXXX XXXX. I lived in the apartments in XXXX and did complete the terms of my lease. For some reason they decided to try to evict me in XXXX after I had already moved out years earlier. They tried to take me to court and it was dismissed because they did not show up. Noone has been able to show me any lease or anything that I signed past my initial lease in XXXX. I keep reporting it to the credit bureaus and nothing gets done with them either. I have sent the paperwork to all involved parties. They just now put it on my credit in XXXX like it is a new debt. I am being denied credit to move into a new apartment now because of this. My information has been involved in the data breach from the credit bureaus as well. Noone will do anything.
Product: Credit card or prepaid card

A credit card was opened in my name. We then received a notification of a change of address through the USPS. Also, a request was made to add an additional card holder to the account. We contacted the credit card company as soon as we received the card in the mail and had the card/account closed prior to any purchases being made.