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

I received an email from the Coinbase KYC team on XXXX XXXX requesting due diligence information and threatening to close my account if I did not reply. I contacted their Support team on the XXXX, and asked if the KYC request was a valid request from Coinbase. They confirmed the request, and I followed up with the KYC team, provided my w2 and answers to their questionnaire. They followed up the next day and asked me for the exact same information in an email that was formatted slightly differently. I replied and said they had already received my information and asked why they were sending this a second time. They did not answer that question. 

They then sent me a third request with the exact same questions on XXXX XXXX. It was as if they read my attachment and completely ignored the responses I submitted. Frustrated with their email and concerned that I would lose access to my account, I asked to be put in touch with a manager by XXXX, the XXXX, and informed them that if I did not have a reply by Friday afternoon, I would proceed with a complaint to the CFPB. The KYC team 's reply was some copy and pasted response about regulation and security and did not address my request to be contacted by a Compliance Manager.

I reiterated my request to be put in touch with a manager by XXXXXXXX. It is now XXXX, and I have not been contacted by anyone other than the KYC team. 

Considering that I have been threatened with the closure of my account I find it highly inappropriate that no attempt was made by Coinbase to escalate my complaint or even address my issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Capital One XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX.
Product: Checking or savings account

My Capital One accounts were restricted on XX/XX/XXXX while some transfers were being investigated. I had an ongoing ACH credit from one of my XXXX business accts to my personal checking account for the amount of {$7000.00}. While all automatic linked debits, including utility bills and credit cards were declined and I had to change them to my XXXX XXXX account, Capital one has continued to process the automatic credit from XXXX knowing I have no way of accessing those funds. They have now pulled {$21000.00} from my business account since the " restriction ''. I was not aware until I received a mailed statement almost a month later as Capital one has not allowed me to access my accounts online. I have called multiple times and left messages. No one has returned any of my calls. I wrote a letter ( attached ) which also addressed the original wires that led to the restrictions and again have not received any response.
Product: Credit card or prepaid card

I am the executor/personal representative of my aunts estate and she passed away, on XX/XX/XXXX, with an outstanding balance of roughly XXXX points ( equivalent of {$880.00} ) on her M & T Bank credit card. I reached out to M & T Bank customer service to get information on the process to close the checking account and to get a check issued for the points balance on the card. I was instructed to deal directly with a branch representative ( no mention that there was an estate services division available to help with such issues ). I sent an affidavit on XX/XX/XXXX directly to the branch with attention to a specific representative, including instructions/inquiries on how to monetize the points on the account. I then followed up with at least 6 phone calls over the next few months dealing with the same Branch representative, but never got a resolution. When I finally gave up with dealing with the representative, I reached out to the credit card customer service. I had to specifically ask if there was an estate services area in order to get them to take any action. Once I inquired with the estate service directly on XX/XX/XXXX, they rejected my request to receive a check, given I was outside the 45 day time frame that was required to make such requests. On a separate note, it took XXXX  XXXX XXXX less than 2 weeks to issue a check on credit card points in the estates name after I started the process with that bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to XXXX, which was closed by the CFPB but I have not received any further correspondence from other agencies nor the business in question. 

I enrolled in this company 's services in XX/XX/XXXX hoping to get ( what I thought was ) some financial assistance from one of the " best '' credit repair companies out there. Initially everything was going good, there was constant communication. I was paying {$130.00} a month + {$29.00} for credit monitoring. After 4 months of service ( XX/XX/XXXX ), I hadn't gotten any updates from Expert Credit Sweeps/XXXX XXXX, nor responses from creditors. So I reached out to XXXX about an update and only received an automated responses back each time. I understand that she had been making updates and transitioning within her company so I waited 1 more month. In XX/XX/XXXX I contacted her again for an update on the process that she has been taking since the updated policies were implemented. I made the title Cancellation Request to get her attention and 5 days later she finally responded by cancelling the service. She never contacted me to have dialogue, which is what I expected. I feel like I wasted 6 months of dollars all because the company 's communication is non-existent. I want my money back ASAP! 

I have attached screenshots with correspondence and automated responses that I received back. 

Contact info : Expert Credit Sweeps XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX also named XXXX XXXX XXXX XXXX
Product: Debt collection

Everest Receivable Services is attempting to collect a debt that I do not owe. I took out a loan at XXXX XXXX  and decided to not go through with the procedure. I emailed XXXX XXXXt and received a email, confirming that the loan was canceled.
Product: Checking or savings account

I was the victim of a scam involving someone impersonating Chase Bank. On XX/XX/XXXX, I received a call from someone claiming to be a Chase representative, who convinced me to provide my cvc under the pretense of verifying my account or addressing fraudulent activity. Believing it was a legitimate request, I provided the cvc without understanding it was part of a scam. 

Shortly after, unauthorized ATM withdrawals were made from my account, totaling [ {$190.00} & {$500.00} ]. I reported these transactions to Chase immediately and opened a claim. Initially, Chase refunded the disputed amount, but the funds were later withdrawn from my account again without clear explanation. 

Chase has since denied my claim, stating that the transactions were authorized because the PIN/CVC was used. However, I was scammed into providing my PIN by someone impersonating Chase, and I had no knowledge or intention of authorizing these transactions. I have repeatedly explained this situation to Chase representatives and provided supporting information, including a detailed report of the fraudulent call and transaction history. 

Despite my efforts, Chase has refused to refund the stolen funds, leaving me unfairly responsible for losses caused by fraudulent activity. I am seeking a resolution that acknowledges the circumstances of the scam and restores the funds taken from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I didn’t apply for a discover card dated back XX/XX/XXXX and I didn’t accept this card in my name and it has two phone numbers it don’t belong to me in my name .... and discover completed there investigation and find it that I was responsible for this account but they never called me or send me any letters at all and I didn’t apply for this card ... but I wasn’t held responsible on two previous discover accounts and I have the letter and the proof they send me in the mail on XX/XX/XXXX on another discover account ...Discover has been giving me a hard time and they have rude customer service and they never ask for police report and never called me ... I want this account to be temporary removed off my credit report while they do there second investigation ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX {$570.00}, 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. I HAVE NOT PROVIDED chexsystems written permission to furnish information on my consumer report therefore chexsystems is in violation of federal law under 15 U.S.C 1681 Section 604 A Section 2. Failure to remove the information from my consumer report will result in legal action. 

Remove the information from my consumer report immediately or face legal action.
Product: Debt collection

My identity were stolen. I have n't been in United States since XX/XX/XXXX. I came back just XX/XX/XXXX and found out that someone used my intel for more than 7 years, opened credit cards. Now I am trying to dispute all inaccurate accounts and debts because I did n't. I filed reports to FTC and police. Also, I tried to contact XXXX XXXX XXXX XXXX, the collection, which bought one of the debts. I wanted to explain my problem and expected understanding and cooperation as I have rights to dispute not my accounts and debts. I called to this company XX/XX/XXXX. Firstly, one of the employees asked my data to find a case then transferred me to the administrator as she said. This administrator just said I had a court. When I tried to explain to her that my identity was stolen and I have never been in California in my life, she just made fun of me and my not perfect English language, then said " buy XX/XX/XXXX! '' and hang up on me. I tried to call again more times, but this company blocked my number. I sent them a letter with request to close this fraudulent account, but there is no response. They violated my rights, in accordance with the Fair Debt Collection Practices Act, to stop collection proceedings against.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this formal complaint regarding the flagrant presence of fraudulent information on my XXXX XXXX. It is crucial to note that I previously corresponded with the XXXX XXXX XXXX on XX/XX/2023, providing comprehensive attachments containing my personal information. I must emphasize that I am a victim of identity theft, a matter duly reported to the FTC. The disputed items bear no relation to any transactions I have authorized or derived any benefit from as a result of the identity theft. I draw your attention to Section 605b of the Fair Credit Reporting Act ( FCRA ), which explicitly places the responsibility on XXXX XXXX XXXX to eliminate any accounts and information indicated in an ID Theft Report. Furthermore, Section 605B ( a ) of the FCRA mandates that the CREDIT REPORTING AGENCIES promptly block any information within the consumer 's file that the consumer identifies as resulting from identity theft, within XXXX business days of receipt. XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00}. The items listed are direct ramifications of the identity theft, and as such, I demand that the Credit Bureaus fulfill their legal obligation by expunging them from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out about Transunion consumer reporting agency and the lack of transparency XX/XX/XXXX I sent disputes about unlawful late payments and unauthorized inquiries that were reporting that I did not sign for anything thats not attached to an account is not authorized by me and there for fraudulent which is identity theft, Accounts # ( XXXX XXXX XXXX  ). I was never notified of an investigation or findings about either of these disputes. Late Payments are illegal according to Cornell Law 15 USC 1681A ( 2 ) ( a ) ( i ) It states *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So these Accounts listed below are reporting transactions and or experiences and this is illegal, consumer law states transactions are not part of a consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need all unlawful and inaccurate information deleted and updated to not return
Product: Credit card

Paid my bill at XXXX XXXX of {$130.00}?? Went to XXXX XXXX ( XXXX ) to purchase a tablet for {$370.00} dollars and the card was declined. Contacted Capitol One ( BJ 's ) credit company and they tried to verify me electronically. This ultimately failed because my current phone does not have internet. I can receive texts but can't activate links within them. They told me that they would send my a six digit code to me XXXX and I was to read it back to them. However they said they were unable to verify the carrier and could not put the call through. However they were able to send me a text????. On Monday I went to a capitol one XXXX in XXXX XXXX XXXX XXXX. The rep there tried to be helpful and called with me to the fraud department of Capitol one where it was discussed that he could no longer verify drivers licenses because of a change in company policy. The rep at the fraud department said that copies of the drivers license could be faxed. I stated that I was not willing to pay for this and they agreed to put a {$15.00} dollar credit on my account. I'm not sure if that actually happened. It cost {$3.00} and I am happy to return the difference. I faxed my license via XXXX  on Friday the XXXX. I am uploading the fax verification along with the scanned documents. I contacted the capitol one fraud department on Monday and they stated that they had not received the document. I spoke with a Librarian who suggested scanning and faxing. I called the fraud department back at Capital one and they agreed to send a link to me via my email which is on file. the document was four pages and included the confirmation of the fax the cost of the fax and the front and back of the license. I called the fraud department back and they acknowledge receipt of the fax and quoted 1 - 10 business days to review it. I told them that this was unacceptable and they agreed to expedite they put me on hold for about 3-4 minutes and stated that the documents I had scanned were not legible and the back of the license could not be scanned. They gave no resolution to the situation and just repeated that the documents were not legible. My account has been on hold since the XXXX of XXXX with no resolution. I am seeking relief from the hold on my account and at no point was I told what was on the account that caused the block. They also mentioned that a passport would not be acceptable. I am a XXXX  XXXX person XXXX XXXX XXXXXXXX and unable to walk long distances. I use public transportation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX, XXXX, Equifax. I am in the process of buying a home and I need access to my files asap.
Product: Credit card or prepaid card

I attempted to make the payment over the phone twice with debit card and was told both times that i had to use a checking account number ( which i dont have checks so I didnt have that info ) finally I contacted my bank and got my account and routing numbers and made a payment on the phone. 
A few weeks go by and i get a statement that say i owe {$640.00} minimum payment and Im late so i call in and come to find out they wrote my bank account info down wrong and so after i was credited for the payment they uncredited it which put me behind without my knowledge. They, at that point, took payment on my debit card stating since you are behind we are allowed to take a debit card Ive tried since with no luck to pay with my debit card being told you are current so we cant take debit card Ive since, with the help of a family member set up auto pay online so they cant pull that on me again.
Product: Vehicle loan or lease

I completed the loan application online with XXXX XXXX and XXXX XXXX which they texted me after I turned in the application and denied me because of my job. I drive for my job and have to work and I was denied simple because of the job as shown in the attached picture.
Product: Prepaid card

I purchased a gift card from a department store. The card was stolen from my car. I reported the card stolen on that same day and was able to stop the thief from using the remaining {$35.00} of the original {$50.00} limit. The issuing company is Blackhawk Network. They have done absolutely nothing to resolve this issue. I faxed all documentation to them on XX/XX/2016. I called numerous times to check on the status and was told it was still being worked on??? They also claimed to have tried calling me. If so, they left no message. I am certain this was a lie!! Today I received a letter from them stating I had not sent them requested information and they would not be taking any further action. I am attaching all documentation to show proof I submitted the claim form along with the receipt of purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I hope this finds you well, I have been a victim of a security breach and possible identity theft, which has caused over sowing in accounts, in addition to accounts being ironed without my permission and authorization. I have requested many card accounts to review this and disputed these matters and as if XX/XX/2022 XXXX XXXX XXXX for example has deemed this to be my responsibility. And I do not think this is a fair response as a consumer to the bank. In addition to phone lines such as XXXX XXXX are deeming accounts to be mine which I did not open. The company has adjusted charges but then resubmitting them to my account which is misleading and makes it nearly impossible to continue to support them as a bank I hope this is resolved as I know many other have been Exposed to this crisis of breaching and theft.
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. 
XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX Account name : 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 1681c. ( a ) ( 5 ) Section States : no Complaint De...

consumerfinance.gov In | 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 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.
Product: Mortgage

I have been actively seeking a workout option with PHH mortgage service, name is pending a change to Onity mortgage.

During customer service calls with agents and follow up calls, at no time when they ask if i can make payments are they reading the script : this is an attempt to collect a debt... I worked in this industry with the last 10 years at XXXX XXXX XXXX mortgage and this disclosure is required to be read by agents attempting to collect payments and or debt ; Additionally, I believe their decision/underwriting process may be in violation of CFPB guidelines ; I've been advised they believe 30 days is acceptable for making decisions for hardship XXXX applications and not providing proper information about unemployment and or forbearance plans to customers ; It seems to me, there is a lack of training and qualified individuals to take phone calls with this company. 

Ive also not been advised properly about the status of credit reporting, late charges or protections from foreclosure proceedings while the company takes its time to review my application for assistance at any time during the past year during hardship or pending workout decision phone calls nor via mail in writing or email. 

Sincerely XXXX XXXX
Product: Prepaid card

I have tried using the Amex Prepaid gift card on XXXX, XXXX XXXX, XXXX, XXXX, and new balance websites all to get declined. I have tried purchasing gas and food in person at restaurants to have it declined. I have not been able to use the card anywhere. I am able to login to the balance check on Amexs website and it shows a full {$500.00} balance. I was able to add to XXXX XXXX  and then it continued to get declined anywhere I tried to use. I have not found a single place that does not decline the Amex gift card.