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

I opened a checking and savings account at the Chase branch located at XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. XXXX XXXX XXXX ID XXXX helped me when I opened the accounts After opening the accounts, I was given a folder with an account summary, information about earning an account bonus, details on how to set up direct deposit, information about my debit card, and starter checks. I never received information about fees for the savings account and was never told anything about fees for the savings account. I was advised that I would need to keep at least {$1500.00} in my checking account or receive direct deposits to avoid fees on my checking account. 

A couple of days ago, I noticed that I was getting charged {$5.00} per month on my savings account. I called Chase customer service XXXX XX/XX/XXXX and asked about the fees and requested that they reverse them. 

I was told that in order to avoid fees, I'd have to keep a minimum balance of {$300.00} in the savings account or have at least one automatic transfer per month. I told the agent that I'd set up an automatic transfer to avoid the fees going forward and that this information was never disclosed to me when I opened the account. The agent told me that they could only reverse the fee for one month per company policy. 

I then asked to be transferred to a supervisor to see if they could make an exception to this policy as the fees for the saving account were not disclosed to me. I was then transferred to XXXX XXXX at the main customer service number. XXXX stated that he was unable to make an exception even though the fees for the savings account were not disclosed to me. 

I then decided to try to speak to someone at the branch. I called XXXX XXXX on XXXX XXXX XXXX and requested he reverses the fees because I was not made aware of the fees when opening the savings account. XXXX said that he, nor anyone else at the branch had the authority to reverse the additional fees and suggested I call customer service ( which I already knew was a dead end ). 

I stated to both XXXX and to XXXX that refusal to reverse these undisclosed fees would leave me no choice but to file a complaint with the CFPB and neither one seemed to care. 

Thank you for your time and attention to this matter. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

AS I WAS VIEWING MY CREDIT REPORT I NOTICED INQUIRIES AND ACCOUNTS THAT DO NOT BELONG TO ME. IVE HAD MY WALLET PICKED FROM ME NOT TOO LONG AGO AND I WORRY THAT PERSONAL INFORMATION IS BEING MISUSED. FOR INSTANCE : COMPANIES- XXXX XXXX XXXX XXXX {$2900.00} CHRYSLER CAPITAL XXXX {$19000.00} INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2021 my Coinbase account was hacked and all my cryptocurrency was stolen. The hacker got into my account, converted some small crypto to bitcoin and together with the bitcoin i already had in the same Coinbase account It was transferred to a hacker Coinbase pro account he created. I called and emailed Coinbase. They said they can't do anything about it and can't recover anything. They have the transaction IDs and can see how the money was transferred and where did if it go. This is done under their watch on their platform. This is ridicules, I did not do anything wrong. What kind of security and bad customer service they have? They don't do anything for their customers to protect funds. I have had about approximately $ XXXX {$180000.00} stolen. Also, there was a sim swap on my XXXX XXXX account again without my consent where the phone was in my possession. I called XXXX XXXX, and they said they can't do anything either. XXXX XXXX was very unprofessional and didn't want to admit they screwed up. I want to file a complaint about Coinbase inc. and a complaint on XXXX wireless for lack of responsiveness to help and recover or reimburse the funds. That's why they have insurance, don't they? Neither Coinbase inc. nor XXXX XXXX wanted to take responsibility nor helping me. XXXX XXXX should have not let someone other than me to do a sim swap!! Especially if the new XXXX XXXX XXXX XXXX I received a week ago, phone is in my possession. What kind of security and protection do they have? They are both to blame and should reimburse me for the losses. I lost $ XXXX {$180000.00} - it went to {$0.00} and all my savings are gone!
Product: Mortgage

In XXXX of XXXX I went thru the Home Affordable Modification Program and initiated a new payment program initially thru XXXX The program included incentives for paying on time that accrued at XXXX per month, each month for the first 5 years of the Mortgage. After each year for the first 5 years, {$1000.00} should have been applied as Principal reduction to the tune of {$5000.00} after 5 years. Also a Dodd Frank Certification program enabled me to receive an additional {$5000.00} on my 6th anniversary of on time performance, XXXX of XXXX. These documents are attached. Greentree and or Ditech, never applied any of these payments they should have received from the Treasury. After several inquiries and even getting sent from Greentree/Ditech the actual documents supporting these payments, they ignored any resolution to the issue. In XXXX of XXXX, the mortgage servicing was turned over to XXXX ( XXXX ). I have made several inquiries ( five specifically, 3 phone calls and 2 detailed e-mails ) since the servicing was transferred and even sent the documentation, and have not heard anything back. I finally got to someone today ( XX/XX/XXXX ) who told me they knew nothing about this and its not their problem to resolve. I have gone to the XXXX XXXX XXXX website, and spoke to their counselors ( XXXX  ). They can't help me and referred me to this means of resolution ; as well as, contacting the Treasury department, given that's where the payments should be coming from anyway. After contacting the Treasury department, they referred me back to the XXXX XXXX XXXX website and the HUD Counselors from XXXX. I do not know who to go to in order to get these payments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told XXXX, XXXX, and Equifax to reinvestigate these inquiries : Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX Equifax : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify inquiries that aren't reported correctly. 

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. 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 information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

Im making a statement Any loan from any financial institution/ organization the company or institution must inform the consumer of their rights. Under the Gramm Leach Bailey Act I the consumer XXXX XXXX have the right to Opt Out of getting my non-public personal information shared with non affiliated parties. Non affiliated third parties such as The Credit Bureaus XXXX, XXXX, and Experian. This is a violation of my rights by not providing me my Opt-out Disclosure. As a consumer I have the right to privacy and also have the right to opt out of getting non public personal information to non affiliated third parties. XXXX XXXX XXXX XXXX is in violation of my rights.
Product: Credit card or prepaid card

I have a Bank of America credit card that was opened when I purchased    AAA. I opened the card to get a discount on AAA. I paid with a check for the first year of the AAA then the next year was billed to my credit card. I called and told them I no longer wanted AAA and I was under  the impression that it was canceled and the charge was being credited back to my credit card this was in  XXXX  of    2017.  I did n't get another bill until   XX/XX/XXXX  I  was still being billed f or AAA alo ng with late fees and interest I called Bank of America and they removed the fees but told me to conta ct AAA with my dispute. I called AAA and they told me that my membership was n't canceled a nd that it was to late to cancel it and that I had to pay for it. I called Bank of America back and tried to dispute it with them but they are telling me I have to pay it. I do n't understand how a credit card company can hold me responsible for something that I do n't w ant. AAA is telling me that there is no notes from where I called in  XX/XX/XXXX  however they also told me that if there is no change made to the AAA account that they do n't have to note it.
Product: Student loan

I have been attempting to deal with Firstmark who services my student loan on behalf of XXXX XXXX XXXX XXXX There was an overpayment to my prior servicer and a refund was issued on XXXX to XXXX in the amount of that overpayment. Now two months later and multiple communications later no one at XXXX or Firstmark can account for the that overpayment check. Firstmark refuses to communicate with XXXX  for whom they perform the servicing. Today, XXXX XXXX from Firstmark sent me an email asking me to contact XXXX about the outstanding check. How can an originator and servicer require the borrower to play intermediary between them? The prior servicer also told me that XXXX often takes longer than most servicers to process these payment. This sounds like a systemic issue and the lender and servicer dont have a clear line of communication or a simple process to account for overpayments on refis of which Im sure the majority have. I would recommend the CFPB do a review of this procedure to determine the average time it takes them to process these payments.
Product: Credit card or prepaid card

On XX/XX/XXXX Bank of America closed my credit card account with no further notice nor with my permission, and I have been a loyal customer with Bank of America since XXXX with no late payment not even ones.
Product: Credit reporting

I am total dismayed by the reporting practices of XXXX XXXX, Mn.XXXX. 
I would like to file a formal complaint regarding the XXXX items, listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX {$310.00}, collection*XXXX # XXXX, XXXX XXXX XXXX {$310.00} , collection. 
The above acct. XXXX XXXX XXXX # XXXX was deleted from XXXX credit bureau 's XXXX XXXX report, in XXXX. 
I pulled a Equifax XXXX report dated XX/XX/XXXX # XXXX that showed the above acct.XXXX # XXXX, ,which is the same acct.being added by to my credit reports. 
This caused my XXXX to drop from XXXX-to- XXXX, my XXXX score from XXXX-to-XXXX. 
XXXX, fraudulent reported inaccurate information stating that the acct.was open XXXX, I had a high limit of {$310.00}, reported XXXX, This information was reported fraudulent & inaccurate to deliberately further damage current credit scores, & future ability to obtain credit. 
This acct.was open XXXX & reported XX/XX/XXXX, XXXX, deliberately & fraudulently changed the open date to XXXX, & reporting date XXXX, which made it look more lack a recent collection acct,60 days past due. 
That is not right toward any consumer & should be stopped.
Product: Credit reporting or other personal consumer reports

Previous Complaint : XXXX ( Not Handled Correctly ) After asking for verification of this debt it was not resolved. I have not received proper verification, and my next legal action will be filing a court order. I need to see documentation that all parties involved have signed this so-called contract. ( See, Contract Law ) COLUMBIA DEBT RECOVERY has also openly stated that they are attempting to collect this debt on behalf of my personal credit report. I just informed this company that pursuant to 15 USC 1681 4. THEY HAVE NO PERMISSION TO REPORT ANYTHING USING MY INFORMATION. I did not give COLUMBIA DEBT RECOVERY Authorization, Consent or the right to do so. Again, I am asking for proper verification of this debt. COLUMBIA DEBT RECOVERY is stating that they are not required to hold a " direct contract '' with me and that they are going to continue collecting on behalf of their client " XXXX XXXX XXXX XXXX XXXXXXXX ''. If COLUMBIA DEBT RECOVERY is not required to have a " direct contract '' with me then i need to see the CONTRACT. Why is COLUMBIA DEBT RECOVERY illegally trying to collect this so-called debt and why are they trying to report this debt with the credit agencies? Again, if there is no contract. I demand this be removed from my credit report ( s ) and a detailed email to " XXXX '' stating that this has been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to purchase a car and I was told they would only run my credit for XXXX  However, I did not give written authorization to any of these hard inquires below, someone must have ran my credit multiple times without my permission or written consent therefore I need these removed/deleted from my credit. I tried running disputes and sending letters and they wont remove them. They didn't provide any proof showing I gave written consent nor did the credit bureaus provide evidence of their investigation that asked for. 

Please remove/delete these Credit inquires : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknow items on my credit report. 60 days has passed i have not received anything from any of the credit agencies. I feel like they have ignored my disputes and I feel they have taken advantage of me by not looking into my request. section 611 ( a ) clearly states that failure to investigates theses items within 30 days they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to stress and mental harm you it cause me. My information was also impact by the equifax data breach which is a big concerned.
Product: Credit reporting or other personal consumer reports

My account with DISCOVERBANK was never late! I have had exceptional payment history with DISCOVERBANK and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


DISCOVERBANK Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

Professional Credit Services for {$110.00}, and XXXX XXXX XXXX for {$240.00} are the XXXX Collection Agency these people have sent these accounts to. The balance of these accounts are from fees, interest, and what ever else was charged to these accounts. Original accounts were XXXX XXXX and XXXX XXXX. XXXX phones were turned on in 2012, and shut off the same year. They need to be removed from my reports.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XX/XX/XXXXAccount # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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 information is inaccurate. 

XXXX XXXX Last XXXX XX/XX/XXXX {$320.00} Reported XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$5900.00} Reported balance XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$1500.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$3500.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$1700.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$170.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$2200.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$4700.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$33000.00} In good standing XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - {$3500.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$2600.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX - {$0.00} Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reporting on two accounts ( XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX, Account # XXXX ) with Experian numerous times over the last two years and each time Experian sends me a notice stating that they have either verified that the accounts are reporting accurately or that the accounts have been updated. Experian has. not provided me with the specific process of how their investigations were conducted, including but not limited to who was the contact person with whom they spoke to when the creditor was contacted. I received no information other than that Experian verified the accuracy of the accounts and/or that the accounts were updated. Below is a list of disputed inaccuracies on both accounts : Incorrect balance Missing information Status or any other field blank Status incorrect Account number inaccurate Account type inaccurate Date of last activity incorrect Date of last update incorrect Date reported inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late or else delete it. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX
Product: Student loan

My student loan was transferred to University Account Service, LLC from XXXX. However, University Account Service is not reporting my payments to the credit agencies.