23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute ( XXXX ) to Equifax to dispute a bankruptcy record from my credit report. A month ago, I checked my account online at my Equifax and my dispute was showing under investigation. I checked today and my dispute was still under investigation. According to the Fair Credit Reporting Act, if I do not receive a response for my dispute in 30 days, this record should be removed off my credit report. I called Equifax today requesting to have this record removed as I did not receive any notification from Equifax that this has been completed and under myEquifax account, it shows under investigation. Equifax explained that the dispute was completed from their end on XX/XX/XXXX and an email was sent to me. I explained to the rep that I did not receive an email that the dispute was completed. Plus, if this is system generated, an email will probably will not be generated if my dispute is showing currently in investigation. I have attached the screenshot from my Equifax account showing that the dispute is still in investigation.
Product: Credit card or prepaid card

I have had an XXXX  XXXX Platinum Plus credit card through Bank of America for quite a while. Several months ago, I applied to upgrade my status from Platinum Plus to Visa Signature card, which includes benefits such as the Companion Fare. I was approved for this upgrade, and was told that I was to receive the benefits of the card annually. 

However, when I tried redeeming the benefit of the card, I was told that I would not be eligible to redeem the rewards for an entire year. Their definition of 'annually ' meant that I'd have to wait an entire year for these benefits to go into affect. This nuance was never communicated to me, either by the staff member who I spoke to over the phone, or in the benefits summary sent to me. 

I feel that Bank of America has misrepresented the benefits granted by the card. They are refusing to grant me these benefits that I feel I am entitled to.
Product: Debt collection

Upon the end of my service contract with XXXX XXXX I had a balance of XXXX on my account and I decided to go with XXXX XXXX XXXX with a new service contract app on the switch I had made sure I did not owe XXXX any money and after the switch I received bills from XXXX saying I owed money for early termination fees which is not possible considering I switched carriers at the end of my service contract I have tried to resolve this matter with XXXX with no success
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$60.00} XXXX  - XXXX - XX/XX/XXXX - {$540.00} XXXX XXXX XXXX- XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$160.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Debt collection

To whom it may concern : XXXX XXXX has attempted to collect a debt from me that is not my responsibility. They have utilized 3 collections agencies over the past 4 years to harass me. I have disputed each attempt with evidence, and then the case is pawned off on another agency. I have attached a copy of my written dispute. In short, I was charged for electricity I did not use. I was living in another state at the time.
Product: Money transfer, virtual currency, or money service

I opened a Coinbase account in XXXX of 2021. On XX/XX/XXXX I noticed a charge for a currency that I didn't recall buying but I could not understand if I made a mistake or if there was an issue. I contacted them and was told to verify my bank account information to see if additional withdraws were made and to change my password. They would disable my account until I verified that I had completed these items. I did both and contacted them to reinstate my account. After that, they never opened my account or would give me access to my funds. There have been several changes in the market and I am losing money by not being able to play the swings in the currencies. There is XXXX or more in the account and I can't do anything with it. I have been issued 6 different case numbers and then a few days later I will check back and they have closed the case. I still can't get into my account. I even changed the password again but it still says account disabled - contact customer service. You never reach a human and there is no number that you can reach them. I can't believe they were allowed to be a publicly-traded company on the stock exchange and they can't be reached. I have filed a complaint with the SEC and the Federal Trade Commission. 
I would be glad to send you a screenshot but they erase it within seconds of the disabled message
Product: Bank account or service

Back in  XXXX    XXXX   while accessing my account information I discovered a check for {$800.00} was cashed by an unknown person. I contacte d Citibank rig ht away and advised them of the issue. From what I learned, an unknown person altered and was allow ed by Citibank to   cashed a check from my checking account without my authorization. Based on information given they informed me that an investigation had to be open and at which time they requested information as well as signed documents. I requested a copy of the check which they sent and at which I informed them I had no knowledge of the person who cashed the check and I also signed an affidavit stating the same. However, over the last  two mo nths, I have been in contact with Citbank on the progress of the investigation and spoke with over  XXXX  representatives ...  XXXX  #  XXXX  ... .  XXXX   XXXX   XXXX   XXXX  .... who kept telling me that it would take 90 days for them to resolve the issue and they kept asking that I sent in documents already submitted. On  XXXX / XXXX /  XXXX   I finally got frustrated and asked to speak with a supervisor, they transferred me to a person by the name of  XXXX ID #  XXXX  but again she informed me that they had no information and that they were waiting for information from the branch and that a letter will be sent at the end of 90 days. Based on my conversation with  XXXX , it appears that they were only now contacting the branch based on my call to them today. However, in the mean time I am out of {$800.00}. Based on my man y calls to Citibank I as ked that they refund my money and the many times I asked the many time they declined stating that they ca n't due to the ongoing investigation.
Product: Debt collection

We purchased a motorcycle at big boar in Texas for under 14,000. Put down payment down then we never received any information on tag or title. We spoke with a guy about doing a restructuring program named XXXX XXXX On XX/XX/2016. He wanted us to pay XXXX then he would send us details of the new program. That seemed very odd to me. They came and picked up the bike soon after without any notice and we NEVER received anything in the mail from motolease. I have contacted them numerous amounts of times and filed disputes with the credit bureau which they report back negative information every time. They repoed the bike and now are saying we still owe what we would have paid for the bike. If they repoed the bike they need to deduct that amount. I have all the emails that prove all of this.
Product: Debt collection

Dear Consumer Financial Protection Bureau Subject : CMRE Financial Service, INC-Debt Collection Account Number XXXX Reference # XXXX On XX/XX/2022, I was admitted to CXXXX XXXX XXXXXXXX XXXX XXXX I XXXX of 2022. I received a demand letter from CMRE Debt Collection. 
This letter stated I owe a balance of {$200.00}. For services rendered at XXXX XXXX XXXX. 

It should be noted that I had not received a written or electronic billing statement in the amount of {$200.00}. Prior being placed in debt collection with CMRE Financial Service, INC-.

I promptly called CMRE on a recorded line to decipher where this bill had originated. I asked the CMRE Representative if they were collecting on behalf of XXXX XXXX XXXX XXXX XXXX or another local or XXXX XXXX XXXX XXXX. 

CMRE was unable to provide this information. 
XX/XX/2022. I paid CMRE Debt Collection in the amount of {$200.00}. ( Check # XXXX ) via U.S Mail. 

XX/XX/2022 this check ( Check # XXXX ) was posted and {$200.00} was withdrawn from my checking account. I have included photocopy verification illustrating that check XXXX was indeed accepted as payment. 

XX/XX/2022, I received a second demand letter from CMRE Debt Collection. Same Account Number XXXX and same Reference # XXXX This document claims owe a balance of {$200.00}. The amount that CMRE Debt Collection redeemed as payment on XX/XX/2022. 

I continue to receive Voice Mail Messages from CMRE indicating I owe debt..

I have since contacted CMRE Financial Service, INC and requested they provide written verification that there is no current account balance owed. As of the writing of this letter this matter is unresolved. 

Should this be in the realm of your jurisdiction to Investigate and assist settle this matter I would truly appreciate it. 

Respectfully, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting

There is a mortgage listed on my personal credit file that was never XXXX I obtained. I never took a {$620000.00} mortgage out. I want this inaccurate information remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked numerous times for Experian to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Experian has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a first premier card. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your first Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX - XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.. 

XXXX XXXX - XXXX XXXX XXXX
Product: Credit card or prepaid card

Citi first informed me of three fraudulent charges on my credit card to XXXX XXXX on XX/XX/XXXX in the amounts of {$780.00}, {$770.00}, and {$130.00}. Per that phone call I was led to believe that these charges were flagged and removed from my statement but only a few days later did the charges re-appear. An additional phone call to Citi customer service proved to be unhelpful as the customer service representative was unable to mark those charges as fraud on his end due. I was instructed to mark these charges as fraudulent myself and upon attempting that I was unable to dispute any charges myself. I compared to my wifes account which showed that she was able to dispute any of her recent charges, but my account was not showing the same options.
Product: Checking or savings account

XX/XX/2020 Bank of America, XXXX NC My debit card was stolen and I reported it to Bank of America and had a block put on the card. In the mean time, someone used my card to manipulate my account at the ATM and then purchase a money order from the local XXXX XXXX grocery store. XXXX XXXX pulled the security tape, we filed a police report, and then shared it with Bank of America. 

BOA repeatedly said they were looking into it but has yet to resolve the issue and return my money. My pay check was deposited around that same time and BOA charged me overdraft fees and applied the every XXXX of my check to an account that was closed to satisfy their loss. My loss was over {$2000.00} and they have yet to reimburse me. They continue to stall in hopes that I will give up. 

I know that is not how the process works as both my parents have had a card lost or stolen once before and their bank immediately blocked the card and restored their losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against all 3 credit bureaus of TransUnion, XXXX, and XXXX for reporting incorrect information and incomplete information on my credit reports on said account of first premeir under account number XXXX that shows a high balance of XXXX. Account has been disputed with all XXXX bureaus and was verified as corrector accurate.A copy of the XXXX XXXX XXXX 3 bureau credit report is included so the account can be side by side by side XXXX XXXXl errors and discrepancies can be verified. The said errors are : XXXX. TransUnion reports no late XXXX, XXXX, or 90 days late. XXXX  reports 2 30 days late,1 60 days late and 2 90 days late. Then XXXX reports XXXX 30 days late, XXXX 60 days late and13 90 days late. No way was the consumer XXXX 90 days late. All differ and can't be clarified as correct and verified. XXXX. TransUnion and XXXX report highest balance as XXXX. XXXX reports XXXX as highest balance. All can't be correct. XXXX. All three report different dates of last activity. TransUnion shows XXXX as XXXX. XXXX reports XXXX as XXXX. XXXX shows XXXX as XXXX. All are different and all can't be correct. XXXX. Both TransUnion and XXXX show date of last payment as XXXX. XXXX shows date of last payment as XXXX. All don't match. 5. Both TransUnion and XXXX show credit limit as XXXX. XXXX shows credit limit as XXXX. 6. Date last verified is missing on both XXXX and XXXX reports. 7. Date closed is missing on both XXXX and XXXX reports. XXXX. TransUnion report under dispute status says account not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. XXXX. TransUnion report under Creditor 's Remarks says account is disputed. No dispute exist or pending and been concluded. Once dispute is over, TransUnion is to immediately delete any codes or remarks for dispute. TransUnion failed to delete dispute remarks/codes from account. XXXX. XXXX reports account not disputed under Dispute status. Contrary on same report under Creditor 's Remarks it says account disputed. Both differ and can't be correct. XXXX. XXXX  report says account disputed. No dispute is pending and has been concluded. Once dispute is over, XXXX was obligated to remove all dispute remarks or codes from account which was neglected to be done. XXXX. XXXX report shows account disputed under Dispute status and under Creditor 's Remarks. No dispute exist or is pending and has been concluded. Once dispute is over XXXX was obligated to remove all remarks or codes pertaining to dispute and failed to do so. All errors should result in deletion of this account.
Product: Debt collection

I have had told  Midland  funding to stop calling my cell phone and provided a home number and I receiving calls from them on my cell phone. I finally called them back  XXXX  and told the guy the phone number he is calling a  Cease and Desist  number. He continued to talk and I hung up.
Product: Credit reporting or other personal consumer reports

This account was opened fraudulently, I sent in documents and reached out to this company who told me they no longer has the debt. I call the collection agency who then removed it, but XXXX XXXX XXXX XXXX still has it in my report for the last 4 years.
Product: Credit card

A clarification on the disputed charge with XXXX : The original contract attached states that {$260.00} is due at delivery on the pod, which was paid on XX/XX/XXXX. The total leftover is {$110.00}, due on the pick-up date of XX/XX/XXXX. XXXX XXXX XXXX charged me {$270.00} on XX/XX/XXXX. They said this was the monthly rent price, but nowhere on my contract or confirmation emails does it state this. I also talked to multiple people over the phone, confirming the {$110.00} was the only remaining balance, and they confirmed. XXXX XXXX XXXX even listened to the recorded phone call and agreed that the representative told me but still refused to do anything about it and said that in an email, too. 

Actions I have taken : I opened the claim in XX/XX/XXXX with Capital One, and they still need to provide a link where I can upload the supporting documents ; then, they closed the claim without following up. I re-opened the claim in early XX/XX/XXXX, and they provided the link, and we uploaded the documentation twice on XX/XX/XXXX ( they declined the claim instantly ) and we redid it again with a supervisor on XX/XX/XXXX and they declined the next day XX/XX/XXXX, claiming that it has been more than 60 days since the original claim was opened. We have a recording of the supervisor agreeing to the claim being valid on XX/XX/XXXX and endorsing it to the investigation team again. 

Request for reimbursement : Based on the attached documents to the claim and the above explanation, I requested a reimbursement of the ( XXXX XXXX ) = XXXX plus any interest charged on this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

FALSE STMT TO OR OBSTRUCT PUBLIC OFFICER : It happened between the year of XXXX, the statements should be clear by now. It was filed on, XXXX, XXXX, XXXX, offense date is, XX/XX/XXXX, and the disposition date, XXXX, XXXX, XXXX. 

All actions has been resolved and cleared on other background checks, please request a new background check.
Product: Money transfer, virtual currency, or money service

I used to use PayPal as a way to pay faster and with less effort. I was caught off guard when a transaction failed leading me to find out my account was permanently limited, and that I am now unable to use any of PayPals services. I have contacted PayPal through their phone number and talked with a representative who told me that there was nothing he could do nor his superiors. The representative also stated that he was unable to see what caused the permanent limitation. I have read through PayPals terms of service and have yet to see where I committed a fault. What is worse is that there is no way for me to resolve this nor of even knowing what I did wrong. As a result, I can not provide the precise transactions that led to my account being banned, but I can provide the last four transactions which may be the reason. XX/XX/2021, transaction of {$26.00} NZD was sent to XXXX XXXX but was refunded the same day due to a mistake in the sending. XX/XX/2021, the amount of {$29.00} NZD was sent to XXXX XXXX. XX/XX/2021, {$46.00} USD was sent to XXXX XXXX XX/XX/2021, {$46.00} USD was sent to XXXX XXXX again as a mistake which I disputed to PayPal and lost. All the transactions before these were to websites and not real people. That is why I assume that one of the mentioned transactions is the reason for why I can not use my mobile wallet.
Product: Debt collection

In XXXX I had an account transferred to the collection agency known as IQ DATA INTERNATIONAL. On XX/XX/XXXX I contacted IQ DATA and requested a copy of the contract. I was told a contract was sent to me, the contract was sent to a previous address of XXXX XXXX XXXX XXXX, XXXX XXXX, LA. Therefore I never received the copy of the contract, I asked the agent on XX/XX/XXXX for a copy of the contract and he asked why I needed it. I stated I needed a copy of the contract because I would like to see the amount of interest and fees that is being added to the account. I was told by the agent to send a letter which I did and I have yet to receive a contract. The agent by the name of XXXX stated to me that the agency will not continue to send me a contract even though I never received the original contract, his exact words were " Were not going to keep sending you contracts because by law we don't have to ''. I am aware that under the FDCPA I am entitled to verification of the debt by validation with a statement or contract and IQ DATA is refusing to abide by that rule. The company states all calls are recorded therefore they should clearly be able to hear that the agent XXXX is repeatedly asking me why I need the contract and stating he doesn't have to show me why or how much interest is being charged. I simply asked for the copy of the contract from the original debt collector and a statement of fees and interest added an I was refused that right which I am entitled to, I have no verification of this debt from this company and they are refusing to provide me verification. I have a witness who over heard the phone call who would be willing to testify on my behalf that agent XXXX refused my request. I am enclosing the final letter I sent to IQ DATA and all of the letters I have sent to the bureaus concerning verification of this debt. XXXX  is repeatedly stating I am not writing my own letters to dispute the failure of IQ DATA to provide verification of the debt I hereby stating under penalty or perjury that I have been the sole writer of every dispute to sent to XXXX  and any collection agency.
Product: Mortgage

I have been trying to resolve this issue since last XXXX and only learned, when I involved CFPB, did Newrez finally make me aware of how they mismanaged my mortgage loan. Newrez is claiming that I made a change to my automatic withdrawal on XX/XX/year>. I never authorized any change to my automatic billing, my loan payment has come out of the same account, ending in XXXX since the inception of the mortgage approximately 15 years ago. They claim I set it up to come from an account ending in XXXX and that they sent me confirmation of this via a letter. I have never owned an account ending in XXXX, and never received any letter indicating this change, most likely because I never requested this change. They are also claiming that my XXXX time phone payment on XX/XX/XXXX from my actual account ending in XXXX was returned by my bank. This is not true. I am attaching a copy of my bank statement to this complaints. I had also previously sent Newrez copies of my bank statements both via fax and on through their website. My mortgage needs to be correctly updated with my XXXX payment applied, any fees withdrawn, and my credit restored.
Product: Checking or savings account

They said I had bank accounts closed in my name I want all my hard inquiries removed please
Product: Credit reporting or other personal consumer reports

THIS XXXXXXXX XXXX CHARGED-OFF ACCOUNT WITH A BALANCE OF {$1300.00} IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 
I NEVER OPENED THIS FRAUD ACCOUNT AND NEVER LIVED AT THIS ADDRESS ON FILE FOR THIS CARD. 
DELETE THIS INACCURATE FRAUD COLLECTION CHARGED-OFF FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY DATE : XX/XX/year> DELETE THOSE FRAUD INQUIRIES FROM MY CREDIT REPORT.