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

I closed my checking and savings account with Wells Fargo on XX/XX/2020. I was told I would receive cashier 's checks within 3-5 business days. I only received the full amount of my savings account. However, I have yet to receive the cashier 's check of my checking account. It has been 20 days. I called Wells Fargo on two separate occasions and was told to keep waiting. It is almost the end of the month and I am in need of the money to pay rent and bills. I will try to call again to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two violations on my credit report. One is a duplicate entry and the other is a coding violation. For the duplicate : Experian is reporting two separate line items for the same account ( for the XXXX XXXX ). These accounts have the same opening date, partial account number and balance. ( Please see pages 9 and 10 of the attached credit report. ) This double entry is harming my credit score. Only one account should be reflected on my credit report. 

XXXX is reporting incorrectly that I am 120 days past due on the XXXX - ( partial account numbers are listed in the spreadsheet attached this complaint ). ( Please also reference pages 9 AND 10 of the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I have a XXXX account listed on my credit reports ( 3 ) that I have never opened. The account lists me as an authorized user. I have never opened an account with XXXX nor have added myself to an account as an authorized user. I called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and spoke to several people who gave me incorrect information. I was finally told on XXXX XXXX they would remove it from my credit report. Almost 60 days later it continues to show on my credit report.
Product: Debt collection

Allied Collection services have an account listed on my credit reports from a company called " XXXX XXXX XXXX '' I have never done business with a company by that name. I called them to validate the debt, they could not, I sent them a 609 letter demanding documentation and validation of the debt, they did n't respond. I sent a letter to the credit bureaus, asking them to validate the debt - they responded saying " verified '' but were unable to provide a contract, account number, or anything that I signed with a company by that name. 
I then filed a complaint with the BBB, asking them to make Allied provide documentation of said debt - they asked for my personal information on a form, I filled it out and sent it back, and since then, have not responded. I have spoken via email with BBB several times, and they just keep issuing the company 3 day extensions to respond. But as of yet, they have not.IT HAS BEEN OVER A MONTH! 
They are breaking the law at this point. They are required to provide validation of the debt if they are collecting it. I truly have no idea who this company " XXXX XXXX '' is, and need this removed from my credit asap.
Product: Checking or savings account

I have had too many difficulties with NFCU. I have requested throughout the month for my statements I needed for a XXXX XXXX XXXX be sent to me. The first time my financial statements went to my XXXX daughter who lives in another state. When I questioned at the supervisors level why my statements were sent to my daughter " Sorry, a computer malfunction. '' I have requested XXXX more times for now all my statements for every account on file be sent and yet I have never received my statements, when I call supervisors act as if my statements being sent to the wrong address is acceptable. I have sent and it was signed for received all proof identity theft was the reason for charges made on my now closed credit card, this was weeks ago, and still today NFCU Fraud/ID Department which is where I was told to prove ID Theft has yet to credit my account for monies I even sent in charges are being filed on the individual who stole my identity. 

The struggles with NFCU go as far back as last year where through the negligence of the XXXX XXXXXXXX XXXX who apologized after lost a home due to the Loan Officer 's inability to get my numbers right regarding just how much money I was borrowing.
Product: Credit card or prepaid card

I signed up for autopay on my Cabela 's Club credit card in XX/XX/2017. They have taken a payment every month since then, but have not credited my account for those payments. They then sold my account to a collection agency, again without applying the payments they withdrew from my account. I called them to ask what was going on after I started getting calls from the collection agency and after my credit had been further damaged by the appearance of non-payment. I supplied copies of bank statements proving all the payments and they credited me with one of the twelve. They have once again debited my bank account today, and apparently have not fixed their error.
Product: Credit card

XX/XX/XXXX - XX/XX/XXXX statement for this account was published. 
XX/XX/XXXX- XXXX from Chase sent stating that this account was closed. 
XX/XX/XXXX - Received email stating that XX/XX/XXXX account was available for viewing. 
XX/XX/XXXX - Called Chase to inquire why a statement for a closed account was sent out. The Chase representative informed me that the account was never closed and was still open as of the time of the call. Representative then processed the account closure for the 2nd time.
Product: Debt collection

I returned the equipment ( mobil device ) to the XXXX store and cancel the account, around 7-8 years ago.. 

They said that I didn't. So XXXX started to bill me for the mobile device, then after a couple of years, they changed the debt to it was for calling services ( I used to have an unlimited plan ... ) and recently they change the date to XXXX. The original date comes from XXXX .... 

They want me to pay for their mess, they change the supposed reason for the debt and the dates to justify the collection ... they try to deceive me, to harm me ... 

By the way, I have my mobil service with XXXX XXXX XXXX since XXXX XXXX or XX/XX/XXXX ....
Product: Checking or savings account

My direct deposit of XXXX from XXXX was to go in Wednesday XXXX its been payed my my employer and payroll company XXXX yet Chime XXXX XXXX says it has not received it. WHERE IS MY MONEY
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX I wired {$21000.00} to Coinbase , Inc . The wire was sent from my credit union, XXXX XXXX of XXXX, to Coinbase 's bank, XXXX XXXX Bank. I spoke with XXXX XXXX Bank and they confirmed that they received the wire on XXXX XXXX, and forwarded it to Coinbase the same day. Coinbase has not credited the money to my account, and has not responded to my multiple attempts to contact them to get this issue resolved. I now believe that they are acting criminally. How can a company legally hold my money for 17 days without providing the promised services? How can they get away with having absolutely no way to contact them by phone? I have sent at least XXXX emails, opened XXXX support tickets, left them voicemails, attempted to contact them on XXXX, XXXX, and XXXX and filed a complaint with the XXXX XXXX XXXX. This company needs to be shut down, they are either thieves, or lack the competence necessary to run any sort of financial company. I have suffered financial harm because Coinbase has effectively stolen my money. I will be filling criminal complaints with every agency with jurisdiction to ensure that this criminal enterprise can not harm others in the way that they have harmed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts opened in my name where not made by me Accounts : XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the apparent violation of 15 USC 1681c-2 regarding the blocking of fraudulent information on my consumer report. On XX/XX/2023, I submitted a package to Equifax containing my proof of identity, a letter explicitly stating my non-consent and non-benefit from the fraudulent activity, and a comprehensive identity theft report from the Federal Trade Commission. 


According to 15 USC 1681c-2, Equifax is obligated to block fraudulent information from my consumer report within four business days of receiving the aforementioned package. However, I recently received a letter from Equifax stating that the fraudulent information will not be blocked without re-submitting the documentation already provided. 


This discrepancy is a direct violation of the aforementioned statute, and I am hereby notifying you of my intent to pursue arbitration to resolve this matter. I urge Equifax to rectify this situation promptly, in compliance with the law, and to cease any further actions that contradict the legal requirements outlined in 15 USC 1681c-2.

The previous mentioned violation ( of 15 USC 1681c-2 ) constitutes a separate but continuing violation 15 U.S. Code 2068, each day of the violation constitutes a separate offense ( {$1000.00} each according to 15 U.S. Code 1681n ), the maximum civil penalty shall not exceed {>= $1,000,000}.
Product: Money transfer, virtual currency, or money service

I sent a large amount of money from XXXX, a crytpo exchange to CoinBase, another crypto exchange. Roughly {$27000.00}. This was done on XX/XX/21. This was going to be used for me and my family as we are having a XXXX  child and my wife is quitting work. 

I sent this in the form of XXXX, and somehow I accidentally clicked to send it as XXXX ( XXXXXXXX XXXX XXXX  ) as opposed to XXXX, a common XXXX  that coinbase uses. So I had {$27000.00} in XXXX sent to my CoinBase XXXX XXXX. CoinBase does not " support '' XXXX. So my funds are currently inaccessible, even though they are sitting in a wallet controlled by coinbase. 

I have filed many support tickets about this and they simply give me these automated responses saying " make sure you check that we support the crpyto that you are sending ''. They in fact do not support XXXX, but the reality is that both XXXX and XXXX are XXXX XXXX tokens, and they CAN reverse the transaction. They hold the keys to the wallet that my {$27000.00} of XXXX is sitting in, NOT me. 

If you have the keys to a wallet with an XXXX token in it ( both XXXX and XXXX ) are XXXX tokens, then you CAN reverse this transaction. Many other exchanges do this for their customers, often for a fee, which would be fine with me. They are simply unwilling to do this. Maybe because the scale of their company that they get so many requests like this that it is not worth their time? I am not sure. But they have {$27000.00} of mine and are refusing to return it or even attempt to support me in anyway. I have done many searches on the internet about this and there are many people in the same situation as me. 

I believe coinbase has an obligation to their customers offer a service to reverse these unsupported crypto transactions. People make simple mistakes misclick a currency all the time, and to just expect that these people need to accept the lose of 5+ figure transactions is not OK. The fact is they CAN assist with this, they just won't for whatever reason. They must be sitting on millions and millions of " unsupported cryptos '' which they have the power to reverse. 

Please support me in this endeavor. I doubt my message alone will be enough to give them the kick in the XXXX they need, but I hope that with enough pressure they will realize they need to take action on this matter. 

Here is the wallet address that my {$27000.00} is sitting in : XXXX Here is the transaction hash : XXXX Please consider supporting me in anyway that you can, I have spoken to many in the same boat. This is not right, it's not ethical and probably not legal. 

Thank you! 
XXXX
Product: Checking or savings account

Hello, I called my bank, to inform them my paypal account was hacked, they reassigned my account. And caused my stimulus check and other deposits to be returned. They also did a reversal for funds that I did not tell them we're the issue, they did not resolve the issue. XXXX XXXX XXXX XXXX XXXX XXXX they caused paypal to go after, every person on my list because my account was hacked and instead of paypal correcting the matter they sent a card, they linked my bank account and people on my paypal accounts and went into all of our accounts unauthorized ... They have several of my despite issues ... I have several attachments that include the date and my concerns .. and everyone that has been effected. I am being punished financially for being a victim of financial theft ... Also my bank holds my deposits for a long time before releasing them causing me to overdraft on multiple accounts .. I also told paypal my account was hacked ... and all they did was send me another card.. now they are charging people on my paypal financial account ... And my XXXX XXXX XXXX XXXX., nor paypal are helping me or others financially we are victims of financial fraud, why are we being charged? Why are we being punished financially ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SYNCB/XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a negative account on my credit file/report that does n't or belong to me. I have requested removal of the account for over a year and they have not properly addressed or resolved this issue at hand. This account and balance do no belong to me and is gristly affecting me and my credit scor in a negative way
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

Please be advised that I am disputing a collection that is reporting negative on my credit report. They are in violation according to the following codes. I am requesting this is removed from my report immediately. 

XXXX ) The collection agency has not provided valid information under 12 CFR 1006.34 ( b ) ( 5 ) but they placed a collection on my credit report.

2 ) I was not given a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3 ) The collection agency is violating my consumer rights by using misleading, misrepresenting, and deceptive information on my credit report.

4 ) The collection agency has no authority to furnish information to a consumer reporting agency without providing all disclosures required by law and they are in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Credit card

My XXXX 's credit card account was charged a late fee even though my payment was automatically set to be made on the due date. The company even acknowledged that they received the full statement balance on the day after the due date. I asked them to close the account in the meantime. However, now the company is demanding payment of the late fees and is charging more late fees. They are also threatening to increase the late fees every month. As a result, the late fees and interest are going to be more than the original balance on the card. Every time I call the agent, they demand payments and don't offer any resolution to this dispute. But, I don't want to pay any late fees since I did not pay late as the company is claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX 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 instructions.
Product: Debt collection

I feel that I may have been violated by a corporation please see letters attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX still has my car information on my credit report. It was paid off by my insurance company They also have a repossession on my report when in actuality my car was totaled. They also reported 30 and 60 day lates on my credit report while i was in the hospital. After I told them that my car was totaled. They were paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX Address XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Last Payment Made XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

there was a massive XXXX  storm Texas lost power for XXXX weeks XXXX agreed to do a def feral and never applied it to my account they have been horrible to deal with with getting them to admit their faults and errors its like taking to a wall completely set on not removing this reporting late error. On all of my accounts I have XXXX lates and pride myself in having a solid payment history. Due to the winter storm our area had no power or internet and delayed my payment in addition I changed the due date in XXXX they are arguing it was done in XXXX. Please file my complaint again this is just wrong and unethical on XXXX  part I hope they read this complaint and do the right thing finally its frustrating seeing this derogatory nonsense on my credit file with impeccable exceptional payment history other then this * XXXX information Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are unknown to me. My information was stolen and I have been complaining for years. SEND ME PROOF OF MY SIGNATURE WITH THESE ACCOUNTS SO I CAN SUBMIT IT AS EVIDENCE OF FRAUD. REMOVE THESE IMMEDIATELY!! 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX - XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX Opened Date XX/XX/XXXXBalance {$0.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} Bankruptcy Discharged CH-XXXX Reference Number XXXX Amount {$0.00} Bankruptcy Reference Number XXXX Amount {$0.00}
Product: Credit reporting or other personal consumer reports

They are over 100 's of Soft Inquiries made by EXPERIAN. 

Someone accessed my credit file without authorization.
Product: Credit card or prepaid card

XX/XX/XXXX -I purchased 4 Netspend cards at XXXX located at XXXX and XXXX  in XXXX XXXX to gift teen helpers for a summer work project. Loaded {$300.00} on each card and paid {$2.00} activation fee in store. 

XXXX XXXX gifted the cards to 4 teens. 

XX/XX/XXXX - informed by one teen that card was not working. 

XXXX, XXXX and XXXX teen attempted to use the card unsuccessfully XXXX I received card info from teen to contact Netspend Personally. 

XX/XX/XXXX - was asked to provide social security number, drivers license and prof of address via a no secure email in order to activate card. I declined for safety. Customer service person informed me the activation would be a " limited spend '' which I was open to. I asked for a description of " limited spend '' on the website ( Netspend.com ) or in writing so that I could communicate the details. There is no actual policy in place or listed on the website. Upon asking to speak with a manager, The customer Service representative put me on hold for an hour. 

I would like a refund of {$300.00} and I am reporting this company for false advertising and intentionally making use of the card complicated so that they can keep the money.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX GA XXXX To whom it may concern, We have a mortgage loan with CHASE which is currently in arrears and in a foreclosure status. Weve lived in our house since XX/XX/XXXX and since we had different lenders since the purchased of our home ; XXXX XXXX, Washington Mutual and now CHASE. We had a perfect payment history until XX/XX/XXXX when my mother became ill. We were both grateful to CHASE for approving us for a loan modification. However, other set of circumstances occur and caused us to stay behind on our mortgage payment once again. I contacted CHASE regarding the changes and current situation CHASE representative ( s ) offered to review us for a loan modification for a second time in XX/XX/XXXX. After sending all the require documents I was told that because its been less than a year time frame since we were last approved for a loan modification a 2nd review will be denied, and a foreclosure sale date was placed in our home on XX/XX/XXXX. we were both scared and ran out of options that we had no choice but to file bankruptcy. I am a XXXX XXXX XXXX I assist with XXXX XXXX and my husband is a XXXX XXXX XXXX we dont want to lose our house. We have a foreclose sale date on XX/XX/XXXX and we are not getting any assistance from our mortgage company. CHASE representative said we can re-apply for a loan modification, but it will be after our sale date as the year will pass since last review. We are both hardworking individuals and are financially stable now and are asking that our foreclosure sale date gets postpone and allow us time for CHASE to allow us to pay them what we owe them.